Wise: company and regulatory profile
What to confirm before sending with Wise
These questions connect the source material below to your particular transfer. A quotation records what the provider published; it does not confirm your eligibility or that the conditions apply to your payment. Missing evidence describes our collection, not the provider’s capabilities.
- Is your destination and currency available to customers sending from the UK?
- No source quotation on this topic has been collected for this profile.
- Is bank deposit, cash pickup, card delivery or a mobile wallet available for this route?
- Read the provider's statement: how recipients are paid
- What are the standard fee and recipient payout for your funding method, without a first-transfer offer?
- Read the provider's statement: fees
- What transfer limit and verification requirements apply to your account and payout method?
- No source quotation on this topic has been collected for this profile.
- Which delivery option applies, and when does the quoted delivery time begin?
- Read the provider's statement: how long transfers take
- Which entity provides this transfer and what does it say about customer-money protection?
- Read the provider's statement: how customer money is protected
- Which identity, address and source-of-funds documents will you need for this transfer?
- No source quotation on this topic has been collected for this profile.
Check the firm on the FCA Register · Check the cost of a quote you already have
What Wise says about its regulation
Source: wise.com (Wise's own website) · Fetched 26 October 2026 · quoted word for word · How we collect this
Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507 , for the issuing of electronic money.
Wise Payments Limited is authorised as an Electronic Money Institution (EMI) by the UK Financial Conduct Authority (FCA) with registration number 900507.
From /help/articles/2932693/how-is-wise-regulated-in-each-country-and-region
What Wise says about its service
Source: wise.com (Wise's own website) · Fetched 26 October 2026 · sentences quoted word for word · How we collect this
How recipients are paid
Source context: Sending GBP to countries outside of the UK
With Wise, you can send British pounds (GBP) to bank accounts in countries outside of the UK.
From /help/articles/2977936/sending-gbp-to-countries-outside-of-the-uk
Source context: Sending GBP to countries outside of the UK
We send GBP to bank accounts outside of the UK using the Swift payment network .
From /help/articles/2977936/sending-gbp-to-countries-outside-of-the-uk
Source context: Guide to CHF transfers — Sending to CHF — Who can I send CHF to?
You can send CHF to any CHF bank account in Switzerland or Liechtenstein.
How long transfers take
Once Wise receives and converts your money, it usually arrives in your recipient’s bank account on the same working day.
- Conditions apply in this sentence: check the linked page for the full terms.
Source context: Sending from GBP
It usually takes seconds, but rarely it can take up to 1 working day, for your money to get to Wise, depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.
- Conditions apply in this sentence: check the linked page for the full terms.
Source context: Guide to EUR transfers — Sending to EUR
If instant payout isn't available it can take 1–2 working days for the money to arrive in your recipient’s bank account.
Fees
Source context: Send money home or abroad, for less
Lightning-fast global transfers with zero hidden fees, unlike many banks who charge more.
From /gb/
How customer money is protected
Source context: Safeguarded funds
Your money is held in a safeguarded, separate account.
From /gb/
Companies House record
Source: Companies House · Fetched 26 October 2026 · values copied as returned · How we collect this
- Registered name
- WISE PAYMENTS LIMITED
- Company number
- 07209813
- Company status
- active
- Incorporated
- 31 March 2010
- Registered office
- 1st Floor Worship Square, 65 Clifton Street, London, EC2A 4JE, England
- SIC codes
- 64999
- Latest accounts made up to
- 31 March 2026
- Next accounts due
- 31 December 2027
- Accounts overdue (as recorded by Companies House)
- No
Persons with significant control
- Wise Financial Holdings Ltdownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directors · notified 22 June 2021
How this company was identified: Company number taken from the regulatory statement on the provider's own website. It was the only stated company whose registered name is the trading name plus a legal-form suffix, or whose statement carries the FCA reference number the provider's homepage gives. Contains public sector information licensed under the Open Government Licence v3.0. Source: Companies House. Names are shown as published on the public register; see our privacy notice.
Ownership, accounts and filings
Source: Companies House · Fetched 26 October 2026 · values copied as filed · How we collect this
Who owns the company
- Owner of the company behind WiseWise Financial Holdings Ltd · registered in Englandownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
- Which is owned byWise Limited · registered in Englandownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
- Which is owned byWise Group Plcownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
Corporate owners recorded as persons with significant control, copied as Companies House records them and followed up the chain only while each is a single owner registered there under the same name. Individuals are not shown.
Figures from the latest accounts
The latest accounts, made up to 31 March 2026, were not filed in a machine-readable form, so no figures are copied here. See the filing at Companies House.
Registered charges
15 registered, of which 14 satisfied and 1 not recorded as satisfied. See the charges
A charge is security a company gives a lender, such as a debenture or mortgage.
Previous company names
- TRANSFERWISE LTD · 3 August 2012 to 25 June 2021
- EXCHANGE SOLUTIONS LTD · 31 March 2010 to 3 August 2012
Filing timeline (30 most recent filings shown)
- 25 September 2026Accounts filed, made up to 2026-03-31
- 2 April 2026Confirmation statement filed
- 30 October 2025Accounts filed, made up to 2025-03-31
- 11 April 2025Confirmation statement filed
- 3 March 2025Registered office address changed
- 3 March 2025Registered office address changed
- 20 December 2024Charge registered or updated
- 20 December 2024Charge registered or updated
- 20 December 2024Charge registered or updated
- 20 December 2024Charge registered or updated
- 20 December 2024Charge registered or updated
- 17 October 2024Accounts filed, made up to 2024-03-31
- 22 April 2024Confirmation statement filed
- 10 October 2023Accounts filed, made up to 2023-03-31
- 29 September 2023Resolution filed
- 29 September 2023Company incorporated
- 5 April 2023Confirmation statement filed
- 7 September 2022Accounts filed, made up to 2022-03-31
- 18 August 2022Charge registered or updated
- 7 April 2022Confirmation statement filed
- 30 November 2021Share capital filing
- 27 July 2021Accounts filed, made up to 2021-03-31
- 19 July 2021Registered office address changed
- 16 July 2021Resolution filed
- 16 July 2021Company incorporated
- 9 July 2021Share capital filing
- 9 July 2021Share capital filing
- 5 July 2021Share capital filing
- 5 July 2021Share capital filing
- 1 July 2021Share capital filing
Contains public sector information licensed under the Open Government Licence v3.0, source Companies House.
Complaints to the Financial Ombudsman Service
Source: Financial Ombudsman Service, half-yearly business complaints data · Fetched 26 October 2026 · figures copied as published · How we collect this
Figures for WISE PAYMENTS LIMITED, the registered company behind Wise. They cover complaints about all of the company’s products, not only international transfers.
| Period | Total new cases | Total % of cases upheld | Total proactive settled resolved |
|---|---|---|---|
| H1 20261 January to 30 June 2026 | 998 | 22% | 51 |
| H2 20251 July to 31 December 2025 | 1,121 | 19% | 41 |
- New cases, Banking & Credit (H1 2026)
- 998
- % of closed cases upheld, Banking & Credit (H1 2026)
- 22%
Across all businesses in H1 2026, the Ombudsman states: “Average % of cases upheld = 26%”.
“Upheld” means the Ombudsman decided in the consumer’s favour. A business is linked to a provider only when the Ombudsman publishes it under exactly the registered company name we hold from Companies House. Contains public sector information licensed under the Open Government Licence v3.0. Source: Financial Ombudsman Service, business complaints data H1 2026.
Changes we have recorded
Each week software compares the latest public records with the previous week’s and logs what changed.
- 26 October 2026Complaints data published for H1 2026 changed · Financial Ombudsman Service
Data coverage
This profile is compiled automatically. Each item appears only once it has been collected from the stated source, and carries the date it was fetched. FCA status, restrictions and agents are available through the live register lookup; they are not imported into profiles. Missing service information describes a gap in our collection.
Show every item and its source (11 of 15 profile fields have source material)
Identity
- Registered company name
- Source material collected · Companies HouseCopied from the source by software
- FCA number, as stated by the provider
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Company number, incorporation date, registered office
- Source material collected · Companies HouseCopied from the source by software
- Persons with significant control
- Source material collected · Companies HouseCopied from the source by software
Regulation
- Provider's regulatory statement
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Status, restrictions and requirements
- Live lookup only · FCA RegisterQuoted word for word, with a link to the source
- Registered agents (count)
- Live lookup only · FCA RegisterCopied from the source by software
- How customer money is safeguarded
- Source material collected · Provider terms and conditionsQuoted word for word, with a link to the source
Financial health
- Latest accounts date, overdue accounts flag
- Source material collected · Companies HouseCopied from the source by software
- Revenue and profit (where filed)
- No source material collected · Filed accounts at Companies HouseCopied from the source by software
Complaints
- Complaint volumes and uphold rate (where published)
- Source material collected · Financial Ombudsman ServiceCopied from the source by software
Product
- Countries and currencies served
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Service availability
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Delivery times and payment cut-offs
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Payout methods (bank, cash pickup, mobile wallet)
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Fees, limits, minimums
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- ID documents required
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
We do not test providers or rate them. This profile shows no exchange rates, and says nothing about Wise that its public records and its own website do not.
About this profile
Compiled automatically by IMTUK from the sources shown on this page. Site owner: Matt Woodley. Provider quotations are their own claims; collection and classification are not independent verification of the service.
Listing is free and no provider can pay for its data fields or position. Methodology · How we get paid · Report an error · Are you Wise?