Complain to Wise
Money transfer and multi-currency account provider - complaints about transfers, frozen funds, and fees
BankingHow to complain
Wise handles complaints through its official online form.
Common Wise complaints
Complaint escalation guide
Can you complain to the FCA about Wise? Not for individual disputes: the FCA sets the rules for the sector but does not resolve personal complaints or award compensation. Complain to Wise directly first and keep written records, then escalate to Financial Ombudsman Service if it stays unresolved after 8 weeks or you receive a deadlock or final-response letter.
Which ombudsman handles Wise complaints? Financial Ombudsman Service. Once Wise’s own complaints process is exhausted (after 8 weeks or a deadlock letter), you can take your complaint there for free. Go to the ombudsman. Read our Financial Ombudsman Service guide.
Laws that protect you
Consumer Rights Act 2015
Financial services must be performed with reasonable care and skill.
Payment Services Regulations 2017
Protection for unauthorized transactions and payment errors.
FCA Consumer Duty
Financial firms must act in customers' best interests.
Tips for Wise complaints
- Report unauthorized transactions within 13 months
- Banks must respond to complaints within 8 weeks
- The Financial Ombudsman can award up to £430,000
- Keep records of all communications
- Vulnerable customers have additional protections
If Wise doesn't respond
- 1
Customer Service
Allow 15 daysContact your bank's customer service team
- 2
Formal Complaint
Submit a formal complaint: banks must acknowledge within 5 working days
- 3
Financial Ombudsman
8 weeksFree escalation after 8 weeks or receipt of a final response letter
Visit website - 4
How to complain
Wise handles complaints through its official online form.
Expected response time
56 days
Banks have a statutory 8-week deadline to resolve complaints before the Financial Ombudsman gets involved
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Frequently asked questions
Tools & guides for your Wise complaint
Free calculators and explainers that strengthen the case you make to Wise.
- Section 75 & chargeback checkerPaid by card? You have a secret weapon.
- Chargeback letter generatorGenerate a bank chargeback request letter.
- Bank fees calculatorCalculate unfair bank charges you can reclaim.
- Car finance compensation checkerBought on finance between 2007 and 2024?
- Statute-barred debt checkerCheck if a debt is too old to enforce.
- Hidden commission checkerWas your broker paid a secret commission?
- Klarna & Clearpay complaints: your new rights from 15 July 2026BNPL comes under FCA regulation on 15 July 2026: affordability checks, real support in hardship, and Financial Ombudsman escalation. What changes and how to use it.
- 6 ways to get your money back when a company refuses a refundA refusal isn't the end. Six free routes to your money - Consumer Rights Act letters, chargeback, Section 75, ombudsmen, small claims - and when to use each.
- How to reclaim bank charges and overdraft feesWrongly applied fees, hardship charge spirals, and mis-sold packaged accounts are all reclaimable - free, without a claims company. Here's the route that works in 2026.
- Buy Now Pay Later Gets Regulated: What Changes From July 2026From 15 July 2026, Klarna, Clearpay, and other BNPL providers fall under FCA regulation. You'll gain Section 75 protection, affordability checks, and the right to complain to the Financial Ombudsman.
Not sure what the law actually entitles you to? Start with our UK consumer rights guide - refunds, faulty goods, and how to enforce your rights under the Consumer Rights Act 2015.
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Create my Wise complaintDisclaimer: NoReply is an independent consumer advocacy platform. We are not affiliated with, endorsed by, or connected to Wise or any of the companies listed on this site. Contact information is sourced from publicly available company websites. Statistics shown are based solely on cases filed through our platform. This page is for informational purposes only and does not constitute legal advice.
Last reviewed: by NoReply Editorial