Wise : most-reported complaints
Automated analysis of 3,228 public Trustpilot reviews published 2026-04-01 to 2026-09-27. TrustScore 4.3 from 301,516 total reviews — see the Trustpilot page. Quick answer: is Wise legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report account and app problems, citing sudden restrictions on multiple accounts. A significant number of users also describe support as unhelpful or unreachable, with complaints about frozen funds and lack of communication. These issues have shown a rising trend during the analyzed period.
How to reach Wise
These are the contact details Wise publishes on its Trustpilot profile, as of our last check on 2026-09-27 — it publishes no phone number there, address 1st Floor Worship Square 65 Clifton Street London, London, EC2A 4JE, GB.
The company claimed its Trustpilot profile on 2021-03-01, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-26. Trustpilot ranks it 84 of 116 in Financial Institution. We last checked this profile on 2026-09-27 and found 186 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Elsewhere: 4.6★ on Google (7,907 reviews) · 1.25★ Reviews.io (8)
TrustScore over time
4.3 → 4.3 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-15 (79%, 1.3d) · 2026-08-18 (79%, 1.3d) · 2026-08-21 (79%, 1.2d) · 2026-08-24 (79%, 1.2d) · 2026-08-27 (79%, 1.2d) · 2026-09-01 (79%, 1.2d) · 2026-09-04 (79%, 1.2d) · 2026-09-07 (79%, 1.2d) · 2026-09-10 (79%, 1.2d) · 2026-09-13 (79%, 1.2d) · 2026-09-16 (79%, 1.2d) · 2026-09-20 (79%, 1.2d) · 2026-09-23 (79%, 1.2d) · 2026-09-27 (79%, 1.2d).
Severity: 39% of this company’s 1126 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.5 days between the experience and publishing their negative review (1201 reviews record both dates).
Measured reply time: across 1112 negative reviews that received a public reply, the median wait was 0 days — the company profile reports an average of 1 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 1113 company replies to negative reviews analysed, 42% engaged with the specific problem and 31% were generic templates.
What employees say
Employees rate Wise 3.6★ overall from 2,376 reviews on Glassdoor — the inside view, kept separate from customer complaint statistics. Read the reviews there.
Review provenance: 1938 company-invited reviews in the recent window average 4.59★, while 699 organic (uninvited) reviews average 2.59★.
35% of its 1861 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: account/app problems makes up 50% of this company’s complaints vs a 15% median across 112 ranked companies in its sector.
Review velocity: 32,611 of this company’s 301,516 Trustpilot reviews (11%) were written in the last 12 months.
What are the most common complaints about Wise ?
Account/app problems
560 reports · 50% of complaintsrising since 2026-08“they suddenly restricted all three of my accounts at the same time”
The company replied on 2026-09-14: “Hey, Mohamed. We fully agree that such restrictions can be disruptive, which is why it's not something we resort to lightly — In many cases the reason for it comes down to following specific…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
5 readers marked this review helpful on Trustpilot.
“They closed my account without any explanation and are holding $12k.”
The company replied on 2026-09-25: “Hi Stephanie, We understand how stressful it is to have your account closed and to wait for your remaining balance to be returned. While we understand your frustration, we completely refute any…”
Our classifier read this reply as a deflection.
4 readers marked this review helpful on Trustpilot.
“They demanded proof of income. I sent it. Their own support agent then confirmed, in writing, that they could see I had already submitted it the day before. So naturally, because this is Wise, they continued holding the ”
The company replied on 2026-09-26: “Hey Reif, We hear you loud and clear, and we're sorry for the stress this experience caused you. We understand how disruptive it is to have funds put on hold, especially when you're depending on…”
Our classifier read this reply as a substantive response.
4 readers marked this review helpful on Trustpilot.
Support unhelpful
346 reports · 31% of complaintsrising since 2026-08“I set up a transfer, & was told that I needed additional documentation, which I sent 4 times!”
4 readers marked this review helpful on Trustpilot.
“I cancelled a transaction almost two weeks ago and still haven’t received my money back”
4 readers marked this review helpful on Trustpilot.
“The frontline call center Filipinos can't do anything or access any real information.”
The company replied on 2026-09-25: “Hey Owen, We understand how stressful and frustrating it must have been to have a large transfer under review for an extended period, especially when you were receiving conflicting information while…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
3 readers marked this review helpful on Trustpilot.
Support unreachable
187 reports · 17% of complaintsrising since 2026-08“Zero communication after freezing my business funds”
The company replied on 2026-09-02: “Hi Miguel, We understand how critical operating funds are for any business, and we hear your frustration regarding the wait time and communication. When an account is suspended, our team is required…”
Our classifier read this reply as a template response.
4 readers marked this review helpful on Trustpilot.
“The frontline call center Filipinos can't do anything or access any real information.”
The company replied on 2026-09-25: “Hey Owen, We understand how stressful and frustrating it must have been to have a large transfer under review for an extended period, especially when you were receiving conflicting information while…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
3 readers marked this review helpful on Trustpilot.
“The first and second line couldnt' give ANY answer why my account was deleted.”
The company replied on 2026-09-15: “Hi Alexander, Thanks for taking the time to share your feedback, and we completely understand how frustrating and confusing this experience has been for you. We truly value your trust and business,…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
3 readers marked this review helpful on Trustpilot.
Other
121 reports · 11% of complaintsfalling“unable to recall money”
4 readers marked this review helpful on Trustpilot.
“No protection if you experience fraud. You are basically on your own.”
The company replied on 2026-09-15: “Hi Dennis, We take fraud allegations very seriously, and we are sorry to hear about this situation. As a strictly regulated financial institution, we follow established security protocols to protect…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
3 readers marked this review helpful on Trustpilot.
“you are account is deactivated, funds will be transferred to the account they came from”
The company replied on 2026-09-14: “Hello, Deactivating accounts isn't something we take lightly. It's often a result of a conflict with our Customer Agreement, or due to a discrepancy with a financial law. We can't always share the…”
Our classifier read this reply as a substantive response.
It promised: refund.
3 readers marked this review helpful on Trustpilot.
Billing errors
115 reports · 10% of complaintsrising since 2026-08“spent an entire day on their useless chat with 3 different agents who didn't solve the problem”
3 readers marked this review helpful on Trustpilot.
“I sent my fund to them it got lost. They didn't credit. After sending them proof. They said it's not enough of proof.”
3 readers marked this review helpful on Trustpilot.
“they waste your time, ban your account for no reason then steal your 50€ opening fee”
The company replied on 2026-08-03: “Hey, Mahdy! We empathise with the unfortunate sequence of events in this, and just want to assure you that account closure is never something we decide to lightly nor without due reason. In this case…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
Overcharging
78 reports · 7% of complaintsfalling“They closed my account without any explanation and are holding $12k.”
The company replied on 2026-09-25: “Hi Stephanie, We understand how stressful it is to have your account closed and to wait for your remaining balance to be returned. While we understand your frustration, we completely refute any…”
Our classifier read this reply as a deflection.
4 readers marked this review helpful on Trustpilot.
“They demanded proof of income. I sent it. Their own support agent then confirmed, in writing, that they could see I had already submitted it the day before. So naturally, because this is Wise, they continued holding the ”
The company replied on 2026-09-26: “Hey Reif, We hear you loud and clear, and we're sorry for the stress this experience caused you. We understand how disruptive it is to have funds put on hold, especially when you're depending on…”
Our classifier read this reply as a substantive response.
4 readers marked this review helpful on Trustpilot.
“they imposed a hold on the money which could last from 2 to 10 days.”
The company replied on 2026-09-25: “Hello Angel Poet, Thank you for sharing your experience. We understand how frustrating it is to have a payment cancelled and face a temporary hold on your funds, especially when you are trying to pay…”
Our classifier read this reply as a template response.
4 readers marked this review helpful on Trustpilot.
Compare Wise with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-27.