Reviewers most often note Wise for fast, easy-to-use transfers, transparent fees and useful features like virtual cards. Several reviews cite good exchange rates and straightforward international payments, making it attractive for regular cross-border transfers. However, some users report specific problems: high ATM or card transaction fees in certain cases, occasional failure to receive security codes, and isolated address-update issues. Consumers should weigh the likely savings on transfers and multi-currency convenience against potential card or withdrawal fees and confirm support for particular destination currencies before sending large amounts.
Examples from available reviews (Sep 2022 – Feb 2026).
Wise provided affordable, transparent and fast euro commission payouts.
“It is reliable, affordable and fast.”
Transactions and card management are extremely fast and responsive.
“SPEED! Everything happens in the blink of an eye.”
Reviewer could not complete transfer due to not receiving security code.
“NOT ABLE TO RECEIVE SECURITY CODE.”
Local ATM withdrawal fees are insanely high.
“Charges for local atm withdrawal are insane”
Most reviewers report fast, reliable transfers and quick account actions; a minority describe delays or transfers that could not be completed.
Many users cite low, transparent fees and competitive exchange rates; a few highlight high card or ATM withdrawal charges as a drawback.
Users frequently describe the app as simple and easy, with instant tracking and quick transactions; occasional issues include address-update friction.
Customers praise features such as virtual cards, quick replacement cards and wide card acceptance; some request support for additional currencies or report product limitations.
Support and fraud-resolution are often reported as responsive and helpful; a few users encounter problems receiving security codes or similar communication failures.
Most reviewers give positive overall feedback, citing convenience, speed and cost savings; a small number report serious issues that blocked transfers.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · consumeraffairs.com (10) · Collected.reviews (1) · Quotes shortened · As of: February 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 (formerly TransferWise) is a UK-based fintech specialising in international money transfers and multi-currency accounts with linked debit cards. It operates via web and mobile apps, publishes fees alongside mid-market exchange rates, and serves both personal and business customers across many countries. The service emphasises online account management and multi-currency functionality for cross-border payments.