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How to submit a complaint with Wise
- In-App / Online (preferred): Log into the Wise app or website, go to Help → Contact Us, and raise your complaint via chat, email, or callback. This links your account details automatically.
- Complaint Form: Use Wise’s online complaint form to lodge directly with their complaints team.
- Email (via form): Wise doesn’t list a public email, but form submissions generate an email conversation. Attach screenshots or transaction IDs for clarity.
- Phone Support: Call +44 808 175 1506 (UK toll-free, 24/7) or +32 26203420 (EU). From Australia, use the in-app callback option to avoid international charges.
- Account Deactivation Appeal: If your account is suspended, Wise offers an in-app appeal process in the Help Centre to request reinstatement.
- In-App & Web Chat: Instant responses during business hours (saves a written transcript).
- Social Media (backup only): Tweet @Wise or DM on Facebook if other channels fail. They will redirect you to official support.
💡 Tip: Always include transaction ID, dates, amounts, and screenshots. This speeds up Wise’s review and resolution.
- Acknowledgment: Wise aims to confirm complaints within 24 hours via email.
- Investigation: Case assigned to Wise’s complaints team. They review logs, compliance checks, and may request documents (e.g., proof of funds).
- Timeline: Most complaints resolved within 15 calendar days. Complex issues may extend to 30 days (you’ll be notified).
- Resolution Outcome: Refunds, transfers completed, or explanations provided.
- Final Response: Sent via email, outlining what was done and next steps.
- Your Right to Reply: If unsatisfied, you can escalate to AFCA (Wise includes this info in their response).
Common complaints against Wise
- Account closures/frozen funds: Accounts deactivated suddenly during compliance reviews, with money temporarily inaccessible.
- Delayed or missing transfers: Payments taking weeks instead of seconds, occasional “lost” transfers stuck between banks.
- Customer service frustrations: Long waits, canned replies, or rude agents reported in some cases.
- Technical glitches: Debit card activation errors, faulty PayID setup, app log-in problems.
- Fee/rate disputes: Confusion when rates change during delayed transfers.
- Verification/document requests: Repeated requests for ID or source-of-funds documents.
Complaints submitted through Ajust
How other consumers Wise complaints got resolved
Account closed: A Sydney user had their account shut and funds frozen. After filing a Wise complaint and escalating to AFCA, Wise released the full balance.
Missing transfer: A large client payment was “lost” for weeks. After a formal complaint, Wise located and fixed the transfer within 24 hours.
Card glitch: A long-time user had their Wise debit card fail abroad. Wise support responded fast via app chat and resolved it within a day.
- Internal escalation: Ask for your case to be reviewed by a manager or Wise’s complaints team.
- Follow up: Reference your case number and recap missed commitments or unresolved issues.
- External escalation (Australia): Lodge with AFCA (Australian Financial Complaints Authority) if Wise’s response is unsatisfactory or delayed beyond 15–30 days.
- Other external routes:
- ASIC: For regulatory breaches or systemic misconduct.
- ACCC: For consumer law issues (misleading terms, unfair contract conditions).
- OAIC: If your complaint involves a privacy/data breach.
- ASIC: For regulatory breaches or systemic misconduct.

- AFCA – Australian Financial Complaints Authority
- Website: afca.org.au
- Phone: 1800 931 678
- Email: info@afca.org.au
- Mail: GPO Box 3, Melbourne VIC 3001
- Website: afca.org.au
- Wise AFCA Membership No.: 76929 (Wise Australia Pty Ltd)
- ASIC: Report Misconduct
- ACCC: Consumer complaint guide
- OAIC: Privacy complaints
💡 AFCA rulings are binding on Wise if you accept them.
Wise Complaints FAQs
You’ve done your part, now it’s time to hold Wise accountable.
Take the final step and submit a complaint that gets seen and responded to.