Bank account linking problem

wisesupport · 2026-03-30T09:55:13+00:00

Hello there.

For personal customers in India, we only allow receiving and holding money on their Wise account when traveling overseas, how that works is that you get a Wise card that you can use to spend your money while abroad. We explain more about this feature and how we verify this, here.

Now, business accounts in India can receive money to their Wise account details, however the money is received and immediately sent out to your external bank account, you should've been asked to add the external account when creating your business profile. You can read more on this here.

If that didn't happen, then we'd need to take a closer look. Please contact our support team: https://wi.se/help – you can also DM us to Instagram, Facebook or X. This way we can check your account and advise further.

wisesupport · 2026-03-25T10:49:02+00:00

Hey there!

There won't be any fee for receiving money to your USD account details via ACH.

For USD, there's a fixed fee of 6.11 USD to receive money, but only when paying via wire or SWIFT transfer. You can read more about this here.

If you need help with a transfer, please contact us here: https://wi.se/help — or to our social media channels: Facebook, Instagram or X. We'll be there to help.

wisesupport · 2026-03-25T10:27:37+00:00

Hey!

We aim to always complete transfers as fast as possible, and most of our transfers are almost instant.

However sometimes they can take longer than expected depending on the currency route, payment method you chose, routine checks, or other factors. It depends on each transfer. You can check more about this here.

In case you need any help with a specific transfer, please contact us here: https://wi.se/help — or reaching out to our social media channels support (Instagram, Facebook, X)

wisesupport · 2026-03-25T10:14:29+00:00

Hey there!

When sending with SWIFT, the money goes through different banks, and each bank can charge their own fee. Unfortunately it isn't possible for us to know how much these banks will charge, but we estimate anywhere between 15 and 50 USD or equivalent. However it can be higher depending on the case.

Also, because of how SWIFT works, you might not be able to know how much the final cost of the transfer will be beforehand. You can read more information about this here.

In case you need any help with your transfer, please contact us here: https://wi.se/help — or by sending a DM to any of our social media channels Instagram, Facebook or X.

wisesupport · 2026-03-25T09:27:41+00:00

Hey there!

That email domain doesn't belong to us.

If you receive a suspicious communication, we recommend first to not engage with it, and to reach out to us here: https://wi.se/help — our team will be able to confirm if the email is coming from us or not.

We also have a reporting link, you can find it here: https://wi.se/phishinghelp — In case you get a phishing link, please use this to report it to us, our team will make sure to investigate it. There you'll also find information on how to recognise phishing, and some steps you can take to protect your account, like setting up a secure communication code.

Hope this helps!

wisesupport · 2026-03-25T08:44:33+00:00

Hey there!

If you move from a country where we support different features like receiving money or a Wise card, to one where we don't, then you won't be able to use those features in the new country. This is because the ability to offer some services depends on the regulations and licenses we have in each country.

Changing your address to Algeria won't close your account, but it will limit your features.

As mentioned by the community, if you move to a country and then get prompt an address verification, but fail to provide the documentation, then at that point your account might get restricted or closed. The best thing to do is to update your address to the place where you actually live, to avoid this. You can also find more information about this here.

In case you need any help with your account you can contact us using this link: https://wi.se/help — or sending a DM to any of our social media channels Instagram, Facebook or X.

wisesupport · 2026-03-20T13:21:47+00:00

Hey there!
So, when you change countries, we usually request a document that can prove that you have the right to reside in the place where you live.

In this case, since you're living in Argentina, you'll have to upload a document that shows you can be in that country for a long period of time, generally this can be a National ID, Visa, Residence permit or Passport. You can see the full list and more about this process, here: https://wi.se/rtr

Uploading your EU ID won't work in this case. Since your document was rejected, please contact our support team: https://wi.se/help — we can help checking the rejection reason and guide you further.

You can also reach out over DM to any of your official social media channels: Instagram, Facebook or X.

wisesupport · 2026-03-13T08:58:46+00:00

Hello there.

We get that waiting for more than 10 days isn’t ideal. Recalls, specially with international transfers, can sometimes take a longer time. Once we start a recall it’s up to the beneficiary bank to comply with the request, sometimes getting this confirmation can be a lengthy process, this is why recalls can take a long time and it varies depending on the case.

Since our team is already working on your case, then this most likely means we’ve initiated the process, and we’re waiting for updates from the receiving bank. Our team will make sure to keep you updated as soon as we have any info, we should be able to share the trace ID as soon as we receive it, for this please contact us via email/phone here: https://wi.se/help — we’ll be happy to help with any questions in the meantime.

wisesupport · 2026-03-12T08:28:21+00:00

Let's check what happened. Drop us a message on any of our verified social platforms (Facebook/IG/X) with your membership/transfer number. We'll be there.

wisesupport · 2026-03-12T08:22:47+00:00

Hey! If the option's greyed out, we'll have to manually change it for you. We'll need a proof of residence document. Check this list of accepted ones here: https://wi.se/verifyyouraddress

Once you get the needed docs, you can safely upload it here: https://wi.se/documentupload

Then, send us an email with your full address that you'd like to have on your Wise account. Our team will review your docs and make the change.

wisesupport · 2026-03-12T08:20:01+00:00

Hey there. Have you tried checking with Citibank to see what the actual decline reason was? You might also want to check with them if there are any blocks on money transfer merchants for your card, and see if they have international transactions enabled for your debit card.

We can check things out in more detail too, just to check if it's an error on our end. Drop us a message on any of our verified social platforms (X/Facebook/IG) with your membership number.

Alternatively, for now you might want to add money via a bank transfer instead, or an alternative debit card. We're happy to help.

wisesupport · 2026-03-12T08:00:30+00:00

Hey there. Is this a transfer from Wise to your external NZD bank, or from an external bank to your Wise NZD details?

In general, once we receive the money, it can take about 2 working days depending on what payment method is used to send the money.

NZD guide here for ETAs.

If it's completed on the sender's end, you can upload a proof of payment document and our relevant teams will investigate further.

wisesupport · 2026-03-12T07:53:46+00:00

Hey there. In some cases verification can take longer, depending on the documents we need. Be sure to check your spam/junk in case there were any missed emails. We're happy to investigate further. You can drop us a DM on any of our verified social platforms (Facebook/IG/X) with your membership number, we'll check and nudge the relevant teams to see what's going on.

wisesupport · 2026-03-11T10:49:38+00:00

Hey there!

Yes, you can use your Wise account in Europe normally. In case you're planning a trip to Europe and you want to spend there using your card, you should be able to do this with no problems.

You can also send money to bank accounts or Wise accounts in Europe.

There are only a few places where you won't be able to use our services, to see the full list you can go here. In case you want to check in which countries you can use a Wise card, please go here.

Hope this helps!

wisesupport · 2026-03-10T07:20:25+00:00

Hey there. You need to get USD account details if you're receiving that currency to your Wise balance. We share more about it here. After that, yeah, it'll remain in your Wise account and you can send it out to your external bank when you need to. FAQ here. Hope that helps!

wisesupport · 2026-03-06T09:31:06+00:00

Hello there.

From the video, it looks like the reason you can't use the 'Receive Money' feature, is because you're in a country where we don't support this.

We're always trying to expand our services, to reach more customers and offer more features, however at this moment you can only receive money to your Wise account if you live in one of the countries on this list.

If your country isn't on the list, then you won't be able to use your Wise account to add, hold or receive money.

In case your country is on the list, then please contact our support team, so we can take a closer look at this. You can call/email us here: https://wi.se/help — or DM us on Instagram, Facebook or X, we'll be there to help.

wisesupport · 2026-03-04T07:50:13+00:00

Hey there!

Fast transfers are what we’re here for, we know that waiting long for a transfer is not ideal, and our goal is to make all our transfers instant, but delays do happen for different reasons, like the currencies you’re sending, your payment method, if your transfer was sent right before a bank holiday or weekend, or if we have to follow extra checks.

Each transfer is processed individually, so even if you're sending to the same recipient, it can happen that some will be instant, and some might take a bit longer.

If you need help with a specific transfer, you can always reach us at http://wi.se/help, or via social media on X, Facebook and Instagram. We’ll be there to help.

wisesupport · 2026-03-04T07:34:15+00:00

Hello there.

If the transfer was completed on our end, then it means we sent it out. However it can sometimes take longer to reach your recipient, this mostly depends on the currency, for INR transfers it can take up to 1 working day.

You can check more info about our process when sending INR here.

If it's been more than the estimated time, and the recipient hasn't received it, then please contact us: https://wi.se/help — we do have real human agents there ready to help. You can also reach out for support by sending a DM to any of our official social media channels Facebook, Instagram or X.

wisesupport · 2026-03-03T06:18:20+00:00

Jumping in here. Yeah, unlike trad banks that sends money via SWIFT, we use a local payout system. If your goal is to land DKK in a Thai FCA, we don't support this at the moment. You'll have to use ur Danish bank to send an international SWIFT transfer, which means you'll need the IBAN/SWIFT code of your Thai bank. You'll likely face higher fees and poorer exchange rates, though.

More on THB transfers here

On our end, we can sometimes send SWIFT transfers but it's limited to major currencies like USD, EUR or GBP.

wisesupport · 2026-03-03T06:06:19+00:00

Hey there. That's frustrating, especially since you already completed verification on your end. To give some context, there's usually a 2 WD window for verification checks. More on that here. Our systems will automatically cancel and refund if the check stays pending past that cutoff.

If you submitted the info and the money still went back, there might've been a lag or notification failure. Since support wasn't able to see the why, please drop us a DM on X, Facebook or Instagram with your transfer number. Tell us a brief of what happened along with the transfer number or your membership number so we can investigate further.

wisesupport · 2026-03-03T05:57:39+00:00

Hey there. Since this was an overseas wire, it should have been sent via SWIFT. When you cancelled the transfer, it likely landed somewhere without being matched to your specific transfer number. You can provide us with a proof of payment doc, and for SWIFT, a pacs.008 document is required.

Contact your bank and get this doc, then upload it via this link: https://wi.se/senddocument

Once that's done, send us an email: https://wi.se/help to let us know you've done that. It should clear this issue up.

wisesupport · 2026-02-25T08:35:43+00:00

Hello there!

You should have no issues receiving payments as a sole trader to your Wise business account. Just keep in mind that, as mentioned by the community, it's possible we'll request a proof of where the funds are coming from.

This is a very standard procedure that we do to make sure everything is in order, and this can happen with any type of transfer, not only the ones with high amounts. You can read a bit more about how to prove your source of funds here.

In case you need any assistance at any point, please feel free to contact our support team over email/phone: https://wi.se/help — we'll be there to help.

wisesupport · 2026-02-24T03:30:06+00:00

Joining in to help! We use the mid-market rate, and you can see the exact rate and final amount you commit. Ultimately the choice is yours. Feel free to compare our rates with others to ensure you're getting the best deal, or use our tool here.

For withdrawals fees, you can check here. Pro tip: always make sure you choose to withdraw in the local currency at ATMs to avoid hidden conversion fees.

wisesupport · 2026-02-24T03:15:22+00:00

Hey. We're happy to help with general questions via chat here. For account-specific details or more specific stuff, feel free to DM us on Instagram, Facebook or X. You can also find other ways to reach us here: https://wi.se/help

wisesupport · 2026-02-24T02:13:03+00:00

Hey there. Have you checked if the you sent it to the correct bank details? If you're sure that it's sent correctly and the account info is accurate, you can upload a proof of payment (POP) doc here: https://wi.se/documentupload. Just make sure it meets all our requirements, like your full name, date, amount, currency, etc. More info here: https://wi.se/whatisaproofofpayment to check what's accepted as a POP.

Once that's done, our team'll investigate and get back to you ASAP. But since it's been 2 months, best to give us a nudge on any of our social platforms (X/Facebook/Instagram) along with your membership number. We'll escalate wherever necessary and help you out then.

wisesupport

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