Is Wise a scam?
Last updated: February 16, 2026
Short answer: Wise is generally considered a legitimate global money transfer platform, not a scam.
Still, the safest approach is to verify route terms, account details, and final fees before each transfer.
Use this Wise referral link only if it opens the official wise.com domain.
Disclosure: This post includes my Wise referral link. If you use it, I may receive a referral reward at no extra cost to you.
Why people ask this question
Most concerns come from:
- Unexpected verification checks
- Transfer delays during compliance review
- Confusion between fees and exchange-rate impact
These issues are common across regulated money transfer services, not only Wise.
Practical trust checks before sending
- Confirm website URL is
https://wise.com/. - Verify recipient details carefully.
- Check full fee and payout estimate before payment.
- Keep transfer confirmation screenshots.
- Use only official Wise app/store links.
Red flags to avoid
Be cautious if someone asks you to:
- Send money outside official Wise flow
- Share OTP/password or recovery codes
- Pay to a personal account claiming to be Wise support
Wise support will not ask for sensitive credentials in this way.
Is Wise regulated?
Wise operates under financial regulations in the regions where it offers services, but regulation and protections differ by country.
Always check the latest terms for your local route and account type.
Related guides
Final takeaway
Wise is widely used for cross-border transfers, and most users care about the same three things: trust, transparency, and delivery reliability.
You can check your route and fees here before deciding.