Wise vs Smart Pension: most-reported complaints compared
Most-reported issues at Wise and Smart Pension, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Wise
TrustScore 4.3 · 301,516 reviews on Trustpilot.
3,228 reviews analysed, 2026-04-01 to 2026-09-27.
Complaint rate (recent window): 23%
79% of negative reviews get a company reply.
“they suddenly restricted all three of my accounts at the same time”
Smart Pension
TrustScore 4.7 · 4,123 reviews on Trustpilot.
312 reviews analysed, 2026-02-24 to 2026-09-23.
Complaint rate (recent window): 8%
100% of negative reviews get a company reply.
“Just tried to log into my pension and I get put into an image verification loop.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Wise | Smart Pension |
|---|---|---|
| Account/app problems | 50% | 31% |
| Support unhelpful | 31% | 23% |
| Support unreachable | 17% | 27% |
| Other | 11% | 17% |
| Billing errors | 10% | 10% |
| Overcharging | 7% | 6% |
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. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Wise or Smart Pension.