Users often praise the app for quick, simple transfers and clear multi-currency features. Many mention competitive exchange rates and easy-to-follow tracking. A notable share of reviews focus on blocked or delayed payments, with occasional major failures. In those cases, many complain that support is slow, unresponsive, or gives conflicting answers.
Examples from available reviews (Sep 2022 – Mar 2026).
Using Wise is very easy and fast.
“So easy and Fast...”
Transfer times are inconsistent and the app is unstable.
“Wise is very inconsistent about how long it takes to send money.”
Reviewer reports Wise took $70K and alleges security and regulatory failures.
“Wise took $70K from me”
Support promised a refund then retracted and subsequently refused the refund.
“a representative explicitly promised me a refund, then retracted that promise minutes later”
Reviews describe both smooth, fast transfers and repeated breakdowns. Users report blocked payments, duplicate payment issues, and return fees charged by intermediary banks. Several accounts mention long delays and money that stayed out of reach until they escalated.
Many users point to strong value thanks to competitive exchange rates and clearly shown fees. Some cite high card or ATM withdrawal charges, and at least one says a promotional credit never arrived. A small number claim that money held during delays earns unintended interest for the provider.
Customers regularly highlight the app’s ease of use, quick responsiveness, and tidy tracking. Travellers like keeping multiple currency balances and converting quickly on the device. A minority mention problems such as funds getting stuck after an accidental payment choice or security codes that never come through.
Most feedback calls the platform straightforward, with competitive currency conversion. Rare but serious allegations appear, including one claim of a large unauthorised loss. Others mention features working as expected, such as closing an account and making instant transactions.
Some reviews like the status updates and clear transfer notifications. A larger group criticises support for unanswered emails, promised refunds that were later withdrawn, and conversations that stop without resolution. A few also describe authentication problems or security codes failing to arrive.
Positive reviews describe a fast, convenient option for everyday transfers and travel. Negative reviews focus on stressful situations with held funds, unresolved errors, and weak support. Overall, the feedback contrasts routine successful use with sharp incidents that require direct help.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · consumeraffairs.com (10) · Collected.reviews (1) · Quotes shortened · As of: March 2026
Using Wise is very easy and fast.
“So easy and Fast...”
Transfer times are inconsistent and the app is unstable.
“Wise is very inconsistent about how long it takes to send money.”
Transparent service with quick transfers and great rates.
“Transfers are quick and easy with great rates.”
Reviewer reports Wise took $70K and alleges security and regulatory failures.
“Wise took $70K from me”
Reviewer has used Wise for years without any problems.
“Easy, reliable and excellent!”
Payments for ordinary bills are sometimes blocked without reason.
“Dislike blocking sometimes same ordinary electricity or water bills for no reason.”
Platform is very good for travellers needing multiple currencies.
“Very good platform especially if you travel a lot and need different currencies.”
Website/app is easy to use with useful functions and prompt support.
“Easy-to-use website/app with functions that I wouldn't normally expect (ability to close accounts with a couple of clicks!).”
Reviewer did not receive a promised €20 for sponsoring someone.
“I sponsored someone but I didn't receive the 20 euros”
I made a payment twice but nothing happened.
“I made twice a payment but nothing happens!”
Great rates with tracked transfers and typically early arrivals.
“Wise gives a great rate saving me money over other routes.”
Reviewer reports a generally good experience with Wise.
“I have just a good experience with wise.”
Sending money abroad was simple and progress updates were provided.
“Needed to send money abroad. Simple to do and kept informed of the progress all the way.”
The service is fast, reliable and unobtrusive.
“Fast, reliable and unobtrusive experience”
The platform offers ease of use.
“Ease of use.”
Transfers are simple, rates competitive and often completed quickly.
“The exchange rate is always competitive (I have not found better).”
Wiring funds failed via intermediary bank, incurring large return fees.
“The intermediary bank charged on the return of the funds 412 CHF in commission”
Reviewer is very happy and finds the bank convenient.
“Great bank! Very happy, It is so convenient.”
Customer service ignores emails and stops responding during issues.
“The customer service ignores emails. When there are issues, the customer service just stops answering emails.”
Instructions are easy with options for transfer types.
“Easy instructions to send money with choice of type of transfer .”
Support promised a refund then retracted and subsequently refused the refund.
“a representative explicitly promised me a refund, then retracted that promise minutes later”
Was charged at a UK ATM but received no cash and no refund.
“I was charged but no money was dispensed.”
Account setup denied for suspected fraud and the appeal process is unusable.
“Wise is garbage, they denied setting up a personal account on the basis of possible fraudulent usage...”
Reviewer alleges Wise earns interest by holding customer funds during delays.
“While the customers wait for their money for 10 days, Wise make interest income on customers' money”
Customer services are described as incompetent and difficult to reach.
“Their customer services team is incompetent”
Reviewer accuses bank of zero customer care and withholding customer funds.
“Extremely incompetent Bank, 0 customer care, 0 customer service”
Reviewer disappointed their post was removed, alleging suppression of feedback.
“has been removed by moderators on Reddit.”
Multiple ID requests caused a ten-week delay and a stressful experience.
“WISE finally returned my money, once again to my WISE account, not to my UK bank as requested.”
Accidental payment selection trapped funds and required personal ID to retrieve.
“Wise will keep your money and only allow you to transfer it to your bank for a fee.”
Local ATM withdrawal fees are insanely high.
“Charges for local atm withdrawal are insane”
The organisation and tracking system work very well.
“Very well organised and tracking system”
Positive brief appreciation expressing thanks for the service.
“top, thank you”
Service is easy, quick and provides good value.
“Easy, quick and good value”
Transactions and card management are extremely fast and responsive.
“SPEED! Everything happens in the blink of an eye.”
Transactions to family are quick with good rates and charges.
“The exchange rates are good and the charges are very reasonable by comparison with anything else I have used in the past.”
Transactions are fast and app is easy, but card fees are high.
“One thing that makes me sad is the card transaction fee, it's five times higher compared to a local Mastercard.”
Reviewer could not complete transfer due to not receiving security code.
“NOT ABLE TO RECEIVE SECURITY CODE.”
App works easily in every country visited with no issues.
“Easy to use, working in every country I’ve been.”
Sending money with Wise is very easy.
“It’s very easy to send”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
Wise runs an online service for international transfers and multi-currency accounts. Individuals can hold multiple currencies, convert at the mid-market rate, and get local bank details in major currencies. The service offers a debit card for purchases and ATM withdrawals, plus online tracking for each transfer. Businesses use it for cross-border payroll, supplier payments, and bulk payouts through APIs and web tools.