Still waiting on a

Wise

refund?

Refunds with Wise are available in these situations:

• Money transfer cancellations: If a transfer is cancelled (by you, Wise, or the recipient’s bank), Wise refunds both the amount and fees back to your original payment source.
  
  
• Wise card purchases: Eligible for refunds if you were double-charged, billed incorrectly, or didn’t receive goods/services. Refunds appear in your Wise account balance once processed.
  
  
• Unauthorised/fraudulent transactions: Report immediately. If confirmed as fraud, Visa/Mastercard protections apply and Wise will refund you.
  
  
• Direct debit payments: Refunds only apply if a debit was unauthorized or a technical error occurred (e.g., duplicate or post-cancellation charge). Change-of-mind isn’t covered.
  
  
• Exclusions: Refunds don’t apply if you willingly paid and received the correct service, if deadlines (typically 120 days) are missed, or for losses from currency fluctuations once transfers are complete.
  

Here’s how to request a refund with Wise:

1. Cancel the transfer – If it’s still in progress, cancel via the Transfers list in your Wise account. Refunds trigger automatically.
   
   
2. Contact the merchant first – For card purchases, request a refund directly from the merchant (faster than chargebacks).
   
   
3. Gather evidence – Keep receipts, cancellation emails, refund confirmations, or fraud details ready.
   
   
4. Submit a dispute – In the Wise app or site, select the transaction and choose “Report a problem” or use the dispute form. Attach evidence. For direct debits, contact Wise Support directly.
   
   
5. Transfer issues – If funds were sent to the wrong or closed account, contact Wise Support immediately with full transaction details. They’ll liaise with the receiving bank to recall funds.
   
   
6. Follow up – Wise will email updates. Card disputes may take 30–45 days through Visa/Mastercard. Always respond promptly to info requests.
   
   
7. Escalate if needed – If unresolved, lodge a complaint with AFCA (Wise is a member). Public complaints via social media have also sped up stuck cases.
   

• Transfers: Immediate on Wise’s side if cancelled, but funds return in 2–5 business days (up to 1 week) depending on payment method.
  
  
• Card refunds: Typically 5–10 business days, up to 2 weeks after the merchant processes it.
  
  
• Pending transactions: Auto-release after 7–30 days if not completed.
  
  
• Chargebacks: Formal disputes take 35–50 days (up to 2 months). Wise may issue provisional credits in clear fraud cases.
  
  
• Direct debit refunds: Usually 5–7 business days once approved.
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  👉 If your refund hasn’t arrived in 10 business days (for standard refunds), contact Wise for investigation.
  

• Automatic refund to original source – Bank account, card, or Wise balance used for payment.
  
  
• Wise account credits – For card transactions, refunds show in the same currency balance.
  
  
• Special cases – Wise may ask for bank details if your payment method didn’t transmit them.
  
  
• No cash/cheques – All refunds are electronic.
  
  
• Fee refunds – If a transfer fails or is cancelled, fees are refunded too.
  
  
• Multi-currency refunds – Refunded at original exchange rate where possible, so you’re made whole as if the transfer never happened.
  

• “Where’s my refund?” anxiety: Refunds can take up to 10 business days. Don’t panic too soon.
  
  
• Missed refund emails: Wise may need bank details, ignoring the request delays refunds.
  
  
• Merchant delays: Merchants promising refunds but not sending them, always ask for confirmation receipts.
  
  
• Transfers to wrong/closed accounts: Can take weeks to recall funds from receiving banks.
  
  
• Compliance holds: Large or unusual transfers may trigger account reviews, delaying refunds until ID/verification is supplied.
  
  
• Chargeback pitfalls: Slow and not guaranteed. Use only when merchants won’t cooperate.