| the United Kingdom or a jurisdiction other than the ones listed below | When you send, hold, spend, or receive money with WiseCustomer Agreement (Personal)Customer Agreement (Business)Wise Card SupplementAcceptable Use PolicyCookie Policy
When you use our Assets featureAssets Customer Agreement & Key DocumentsAssets Customer Agreement (Stocks)Assets Customer Agreement (Interest)
When you use our Group Spending featureGroup Spending Terms and Conditions
When you use our Young Explorer serviceYoung Explorer Terms and Conditions
When you use our Account Information ServicesAccount Information Service Supplement
When you use our card Payments Processing Services:Customer Terms for Acquiring Payments Services
When you use our Payment Information Services:Open Banking Terms and Conditions |
| the European Economic Area | Customer Agreement (Personal), Hungarian version, German versionCustomer Agreement (Business)Wise Card Supplement, German versionAcceptable Use Policy, German versionCookie Policy, German versionLeaflet - your rights in payments in EU
When you use our Assets featureAssets Customer Agreement & Key DocumentsAssets Customer Agreement (Stocks+Interest)
When you use our card Payments Processing Services:Customer Terms for Acquiring Payments Services
When you use our Group Spending featureGroup Spending Terms and Conditions
**The translations are for convenience only and the English version shall prevail. |
| the US states and territories listed here | Customer AgreementAcceptable Use PolicyConsumer Privacy NoticeElectronic Communications PolicyWise Balance+ Program Agreement (Interest Feature) Short Form DisclosureLong Form Disclosure
Cardholder Agreements:US Cardholder Agreement - CFSB (Mastercard)US Personal Cardholder Agreement - CFSB (Visa)CFSB Privacy PolicyUS Personal Cardholder Agreement - LeadUS Business Cardholder Agreement - LeadLead Privacy Policy Mastercard Guide to Benefits
When you use our card Payments Processing Services:Customer Terms for Acquiring Payments Services |
| American Samoa, Mariana Islands, or Nevada | Customer Agreement |
| Australia | Customer Agreement - PersonalCustomer Agreement - Business Wise Card Supplement Acceptable Use Policy Cookie Policy Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS)Target Market DeterminationConsumer Data Right Policy
When you use our Group Spending feature:Group Spending Terms and Conditions
When you use Interest:Assets Customer AgreementAssets Customer Agreement & Key Documents
When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services |
| Brazil | When you send, hold, spend, or receive Brazilian Real with Wise Brasil Termos de Uso dos Serviços Termos de Uso de Perfil EmpresarialTermos de Uso da Conta WiseAdendo do Cartão WisePolítica de Uso Aceitável Termos e Condições do recurso de saldo compartilhado
When you use our Assets feature (Assets+) Termos de Uso Rende+ para Residentes do Brasil - Portuguese Version
When you send, hold, spend, or receive money with Wise in currencies other than Brazilian RealCustomer Agreement, (Termos de Uso Wise Account - Portuguese Version)Termos de Uso Perfil Empresarial - Wise Account - Portuguese versionTermos e Condições do recurso de saldo compartilhado
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| Canada | Customer Agreement, (French Version) Wise Card Supplement |
| China | When you remit your income within China overseasCustomer Agreement |
| Hong Kong | When you send Hong Kong Dollars Personal Customer Agreement, 個人客戶協議Business Customer Agreement, 商業客戶協議Acceptable Use Policy, 可接受使用政策 |
| India | When you send Indian Rupees Customer Agreement
When you receive Indian Rupees Customer Agreement |
| Indonesia | Customer Agreement, (Bahasa Indonesia Version) |
| Israel | Customer Agreement, Hebrew version |
| Japan (日本) | 利用規約（個人）, Terms of Use (Personal) 利用規約（法人）, Terms of Use (Business)利用規定, Acceptable Use Policyカードサービスに関する特約, Special Provisions for Card Services補償方針, Compensation Policy |
| Malaysia | Customer Agreement Wise Card Supplement License InformationProduct Disclosure Sheet (PDS)Customer Charter |
| Mexico | When you send Mexican pesos with Wise Mexico:Acuerdo de Cliente Wise |
| New Zealand | Customer AgreementWise Card SupplementAcceptable Use Policy Cookie Policy
When you use our Group Spending featureNZ Group Spending Terms and Conditions
When you use our card Payments Processing Services:Customer Terms for Acquiring Payments Services |
| the Philippines | Customer Agreement (Personal), (Filipino Version)Customer Agreement (Business)Wise Card Supplement, (Filipino Version) |
| Singapore | When you send, hold, spend, or receive money with WiseCustomer Agreement (Personal)Customer Agreement (Business)Wise Card SupplementPayNow QR SupplementAcceptable Use Policy Cookie Policy
When you use our Assets featureAssets Customer Agreement
When you use our Group Spending feature:Group Spending Terms and Conditions
When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services |
| Turkey | Customer Agreement, (Turkish version) |