Trying to cancel

Wise

? Avoid the runaround.

• Money transfers: Can be cancelled only if not yet completed. Once marked “completed”, transfers are final and irreversible.
  
  
• Wise account: You may close your account anytime if balances are cleared and no disputes or compliance flags remain.
  
  
• Wise debit card: You can block or freeze in-app instantly, and permanently cancel by contacting Wise support.
  
  
• Recurring payments/direct debits: Can be cancelled anytime via the app or by contacting support.
  
  
• Guaranteed rate window: Frequent cancellations may remove access to guaranteed FX rates in future transfers.
  
  

👉 Rule of thumb: transfers must be cancelled before completion. Accounts and cards can be closed anytime if conditions are met.

A. Cancel a transfer (before completion):

1. Log in to Wise (app or web) → Activity tab.
   
   
2. Select the transfer → if “Cancel transfer” is visible, click it.
   
   
3. Confirm cancellation → Wise will refund to your original payment method.
   
   
4. If there is no button but it is still processing, contact support immediately for manual cancellation.
   
   

B. Close your Wise account:

1. Withdraw all balances & cancel any pending transfers.
   
   
2. Save statements or receipts you may need later.
   
   
3. Go to Settings → Close Account (or in-app under Account settings).
   
   
4. Follow prompts → receive email confirmation.
   
   

C. Cancel your Wise card:

1. Freeze instantly in-app (Cards → Freeze).
   
   
2. Contact support via chat/email to permanently cancel.
   
   
3. Destroy physical card once cancelled.
   
   

D. Cancel scheduled payments/direct debits:

1. Cancel in the app under Direct Debits or Pending Transfers.
   
   
2. If merchant-initiated, revoke permission with merchant and Wise.
   

• Transfers: Must be cancelled before status = “completed.” Some transfers complete within minutes, others days. Act immediately.
  
  
• Unfunded transfers: Auto-cancel after ~2 weeks if unpaid.
  
  
• Refund timelines:
  
  
  • Bank transfer refunds: 0–3 business days.
    
    
  • Card refunds: up to 10 business days (usually 2–5).
    
    
  • Wise balance refunds: instant.
    
    
• Account closure: Immediate once conditions are met.
  
  
• Card freeze: Instant. Permanent cancellation takes effect after support confirms.
  
  
• Direct debits: Cancel at least 1 business day before scheduled date to avoid processing.
  

• Transfers: No Wise cancellation fees. Full refund unless SWIFT is used (intermediary banks may deduct fees).
  
  
• Accounts: No closure fees.
  
  
• Debit cards: No fee to cancel. Replacement fee applies if you want a new one (~AU$10).
  
  
• Refunds: Always free from Wise. Third-party bank/card fees may still apply.
  
  
• Frequent cancellations: May lose guaranteed exchange rate feature.