Trying to cancel Wise? Avoid the runaround.
Can you cancel your Wise subscription? Check eligibility and conditions
- 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.
How to cancel a Wise subscription, service or order
A. Cancel a transfer (before completion):
- Log in to Wise (app or web) → Activity tab.
- Select the transfer → if “Cancel transfer” is visible, click it.
- Confirm cancellation → Wise will refund to your original payment method.
- If there is no button but it is still processing, contact support immediately for manual cancellation.
B. Close your Wise account:
- Withdraw all balances & cancel any pending transfers.
- Save statements or receipts you may need later.
- Go to Settings → Close Account (or in-app under Account settings).
- Follow prompts → receive email confirmation.
C. Cancel your Wise card:
- Freeze instantly in-app (Cards → Freeze).
- Contact support via chat/email to permanently cancel.
- Destroy physical card once cancelled.
D. Cancel scheduled payments/direct debits:
- Cancel in the app under Direct Debits or Pending Transfers.
- If merchant-initiated, revoke permission with merchant and Wise.
How long does a Wise cancellation take?
- 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.
- Bank transfer refunds: 0–3 business days.
- 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.
Wise cancellation fees and final charges – what to expect
- 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.
Wise cases submitted through Ajust
I had a balance sitting in my Wise account when it was suddenly closed without any warning or explanation. There was no notification, no chance to move my money, and no clear path to get answers. Having an account cancelled like that made me feel completely shut out and unsure how I was supposed to access my own funds. - John
Consumer experiences with Wise cancellations
Smooth cancellations: Long-term users report cancelling transfers occasionally with quick refunds.
Too late to cancel: Some customers realised mid-scam that transfers couldn’t be reversed once completed.
Compliance delays: Wise may cancel transfers if missing documents. A lack of communication has caused frustration.
Wise Cancellation FAQs
Can you cancel a Wise transfer once it’s been sent?
You can only cancel a Wise transfer if it has not yet been completed. Once a transfer shows as completed in your Wise activity, it is final and cannot be reversed. Some transfers complete in minutes, while others take days depending on payment method and currency. If the cancel option is visible in the app, act immediately. If it’s still processing but no button appears, contacting Wise support right away is your only chance.
How do you close your Wise account, and are there any conditions?
You can close your Wise account at any time if your balances are cleared and there are no disputes or compliance holds. Before closing, withdraw all funds, cancel pending transfers, and save any statements you may need later. Account closure is done in-app or via account settings and is usually immediate once conditions are met. Wise does not charge any account closure fees, making it a straightforward process.
Can you cancel or block a Wise debit card instantly?
You can instantly freeze your Wise debit card in the app, but permanent cancellation requires contacting Wise support. Freezing stops all transactions immediately, which is useful if the card is lost or compromised. To fully cancel the card, Wise support must confirm the request, after which you should destroy the physical card. There is no cancellation fee, but replacement cards usually cost around AU$10.
Are there fees or penalties for cancelling Wise services frequently?
Wise does not charge cancellation fees for transfers, accounts, cards, or refunds. However, frequent transfer cancellations may remove your access to Wise’s guaranteed exchange rate feature. While refunds from Wise are always free, intermediary banks may deduct fees for SWIFT transfers. To avoid delays or lost benefits, it’s best to cancel transfers only when necessary and always before they are completed.
Tried to cancel but Wise made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.