Wise Erfahrungen

Eine gute Transfer-App mit guten Funktionen und einigen Änderungen

Kommentare: Wise ist eine großartige Anwendung, die jedoch einige Änderungen erfordert.

Vorteile:

Es ist benutzerfreundlich und in englischer Sprache für alle Benutzer verfügbar. Verschiedene Optionen für die Übertragung und auch groß in Datenschutz.

Nachteile:

Die Wechselkurse sind etwas hoch und nicht auf dem neuesten Stand, was eine Verzögerung von einigen Stunden bedeutet.

schnell, zuverlässig, sehr kundenfreundlich. Keine Sorge auch bei großen Überweisungen.

Kommentare: Ich liebe es sehr und benutze es jede Woche, um Geld zu überweisen. es ist wirklich schnell, benutzerfreundlich und stressfrei.

Vorteile:

wir können unsere daten empfangsdaten hinzufügen, daten speichern, geld auf verschiedene konten überweisen, mit verschiedenen zahlungsarten, wir können auch geld mit paypal senden. Wir können unsere Daten verfolgen, wir können Benachrichtigungen erhalten und vieles mehr.

Nachteile:

Am Wochenende dauert es zu lange, bei Sofortzahlung wird das Geld in Sekunden überwiesen, aber mit Kredit- oder Debitkarte dauert es einen Tag, um das Geld zu überweisen. Es kostet ein bisschen mehr, gibt aber die Live-exchnage rate.

Essential tool for my international freelance business

Vorteile:

I like that I can easily transfer to a variety of different currencies around the world. I appreciate the flexibility of having everything in one place

Nachteile:

It's consider a digital bank and so not all organizations will accept it for automatic payments

The best service for exchange currencies

Vorteile:

Its simple UI/UX, the amazing exchange commissions, everything!

Nachteile:

Nothing, really, it works flawlessly and I use it everytime it's possible!

My VAs are happy

Kommentare: Great experienced so far. My VAs are happy.

Vorteile:

its very user friendly and fast to send and higher exchange rate

Nachteile:

calling customer service was a bit difficult

Horrible experience

Kommentare: It was the most difficult platform to work with. Had to keep repeating the steps the first few transfers and then asking that I pay directly from the bank as a bill payment option. This worked the first time after which they started asking for more banking information and wanting to log into the bank through their portal which I found uncomfortable. Last transfer went into a loop with Wise stating they have refunded the funds back to me which I did not get. After all the hassle for over two weeks, I logged in to see what's with the funds and they have a notice there saying they have refunded the funds yet again! This issue is still going on with no idea where the funds are, hopefully not another few weeks before I see them in my bank.

Vorteile:

Nothing really. It was a very difficult means of transfer.

Nachteile:

Extremely difficult platform, would not recommend.

trying to steal money

Nachteile:

the bank closed my account without warning when I was on a trip with my child and I found myself in a terrible situation right on New Year's Eve! we risked being left outside at night in the cold!

They dont recognize Revolut Bank

Kommentare: When I registred to Wize I sent all my document and i could pqy the 50 usd fees. Once i received my first transfer they blocked it and asked me a bank statement with my adress. I sent it but they refused it because they dont accept revolut bank statement. So i have to canceled received transfer and they refuse to pay me back the subscription. Every invoice or proof of adress and my name they refuse it. Because they also need your full name. Second , and third first name on the invoice. That is not existed in France... They refused to reimburse me. It s a very bad service and company. Please dont use it.

Vorteile:

Easy to subscribe and to find on internet

Nachteile:

Difficult to received money they refused systematicly and ask impossible proof of residency.

Best Payment Method

Kommentare: It was the most comfortable paying experience I've ever had. I've tried several only payment methods and none of them is so easy to use. And on top of that, it has the LOWEST fees.

Vorteile:

It's easy to use, super fast and convenient.

Nachteile:

It doesn't work in my country. But that's Argentina's fault lol

Wise - great online bank

Kommentare: Great. Good rates, fast service, debit card to use when overseas.

Vorteile:

Extremely user friendly, great interest rates, low forex rates, low transfer fees... referral rewards too.

Nachteile:

NIL. Perhaps to be a bit more competitive, can have lower wire/ACH fees for USD.

Awful service, lost $25,000

Vorteile:

Nice interface and good rates but otherwise that’s it.

Nachteile:

HORRIBLE platform. Lost $25k and have been trying to get it resolved for the last 6 weeks. Their support team is useless and just keeps you in an endless circle without ever reaching a resolution. I just want my money back at. I’ve never been so disappointed with a service in my entire life. Pleas avoid them at all costs.

Hidden fees galore

Kommentare: They forced me to add funds into my account in order to open my account then charged me 16% fees for that transaction alone!

Vorteile:

Nothing, had to open an account in order to get a refund from Logitech.

Nachteile:

Hidden fees all over the place. Got charged almost 20% in fees just to open an account.

Most secure and transparent fintech app in the world

Kommentare: Overall, I am a person who recommends wise to every single person I know. I am happy, loyal client.

Vorteile:

I've been using wise (ex transferwise) for 8 years now, and I have absolute trust in this company. I love how simple and transparent everything is. With them, nothing is complicated or sketchy and I just love that.

Nachteile:

The fact that you cant do much with money besides spend it or send it. I cant believe they dont offer loans or credit, because the problem is that since I've handled my money with them all of these years, I didn't build credit score with other banks. If they would allow you to build credit score with them, offer some type of credit card option or give out small loans, they would be the best.

Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business

Vorteile:

Nothing to enjoy with wise services. There are fare better options.

Nachteile:

Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business I am sharing my experience with Wise to warn fellow business owners about the serious risks and unacceptable practices you may encounter if you choose to use their services. My business, is a legally registered travel agency in the UK, and I relied on Wise to manage payments for my photography and cultural tours, primarily in South America. Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my once-a-year humanitarian trip to Cuba. Despite explaining multiple times that: No Cuba-related transactions were ever processed through Wise (I use a separate European bank for this purpose), My tours comply with the “Support for Cuban People” category authorized by OFAC, designed to help Cuban citizens outside state control, Wise completely ignored the facts. Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming they didn't monitor my emails—despite clear evidence to the contrary. After days of chasing them and providing thorough documentation, they chose to close my account without justification. The Consequences: Wise left my business in chaos, disrupting essential transactions and client arrangements. Their rigid policies align with sanctions widely condemned by the global community, and in doing so, they indirectly support humanitarian suffering. The Bottom Line: Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you down without notice or explanation, and customer support will abandon you. Their actions have serious real-world consequences. Avoid Wise if you value your business stability or require ethical and accountable financial services. There are far better alternatives out there that won’t put your livelihood at risk

Will never use it again

Kommentare: THEY WILL FREEZE YOUR MONEY. DO NOT USE IT! I've been using Wise for a long time without any issues. However, after not using it for over a year I so, I needed to make a transfer to Brazil. I updated the app and re-entered my information multiple times until I could finally initiate a transfer. But when I tried to send the money, I kept getting a message saying, "Payment Unsuccessful," with no further explanation. I tried two more times and encountered the same error. When I logged out and back in, I saw that Wise had debited my bank account three times the amount I intended to transfer. Instead of sending the money to the recipient, it was transferred to my Wise account. I called Wise, but the first person I spoke to was unhelpful. She kept repeating that the money couldn't be refunded because I hadn't called after the first failed attempt. I explained that the app only said "payment unsuccessful," so I thought it was fine to try again. She suggested I transfer the money back to my bank account, but I didn't think I should have to pay a fee for that since I had to transfer back to my account due to a glitch on the app. She also replied to convincing me to keep the money there to use to pay other things and I told her I don't need to make other transfers and I will not use it for other things since I can use my regular credt card and not pay transfer/transfer fees. I use Wise strictly for international transfers. She acknowledged that there was a glitch, which had since been resolved, but still refused to refund my money. When I asked to speak to a manager, she refused, saying there wasn't one available and that I should try calling later, but she couldn't guarantee I'd reach a manager. I hung up and called again. The second person I spoke to was more helpful. Although I still could not talk with a manager she escalated the issue and also asked if I had tried transferring the money back to my account. I told her I hadn't, and I explained why. While she put me on hold, I tried transferring again, as the previous agent said the glitch was fixed. Once more, the money was transferred to my Wise account, and I got the same "payment unsuccessful" message. At this point, while still one the phone, I decided to transfer the money back to my bank account since I'd already been charged four times the amount I wanted to transfer. I planned to request a refund for the fee, as this whole situation was due to their glitch. However, when I tried to transfer the money back, I kept getting stuck on the screen asking me to review the transaction. My money is now stuck in my Wise account with a "sending pending" status, and I can't complete the transaction. The second agent said it would be resolved in 1-2 business days, but all I received was an email saying it could take up to 14 business days to resolve. The money has already been taken from my bank account, so why is it so hard for them to issue a refund when they know there was a glitch? I’ve opened a dispute with my bank. This entire situation is incredibly frustrating. Thankfully, the amount isn't too large, but the fact that my money is stuck in their account is infuriating. After reading other reviews from people who experienced similar issues and were told repeatedly that their problem would be resolved in a few days, only to wait for months. I've decided I’ll no longer use Wise. See screenshots.

Vorteile:

How fast it is when it worked. I can't see other pros.

Nachteile:

Will freeze hot money for no reason. The customer support is not helpful. Can't speak to a manager when you ha e issues.

Excelente Banco Online

Kommentare: Muy buena, es mi banco actual y me gusta mucho.

Vorteile:

Me gusta que es muy flexible para gestionar el dinero y sus transferencias son muy rápidas a otros bancos y con baja comisión.

Nachteile:

Que no tiene tarjetas de crédito, espero que pronto puedan ofrecerlas a Europa.

Beware that Wise can close your account and keep your funds before the application process is complete...

Kommentare: BEWARE: Wise closed my account without notice after asking me to deposit funds to keep the application process going. They sent me an Interac e-transfer request which I used to deposit $3,000. Then they closed the account due to not meeting their community standards and kept my money. I have been fighting with them for a week trying to get the money back. Since they closed the account before returning my funds they have no record of anything and dealing with their customer support has been an absolute nightmare, have sent and received upwards of 20 emails back and forth and still don't have my funds returned. They require a bank statement showing the account name, a record of the transaction including account numbers and payment reference numbers etc. I have given them all this numerous times now but keep getting passed around and then asked for the same things again. It's an absolute drain of my time and energy. My banking institution where the funds were deposited informed me that the reference number I gave them should be the only thing they need to reverse the deposit. This has been an excruciating process that I still don't have a resolution to after 6 days and over 20 emails back and forth with their support. This should be a simple resolution. Firstly, they should not accept money from me until my account is fully approved. Secondly, they should have returned the funds before closing the account. Lastly, according to my bank, and Interac that I have spoken to, they should only require the payment reference number to reverse the transaction, especially since they initiated the closure and their policy states that they will return the funds. This has been a horrible experience and I would never recommend Wise to anyone in Canada. I don't think their agents even understand the payment systems they use.

Vorteile:

The supposed ease and convenience of transferring funds.

Nachteile:

Poor customers service and predatory practices.

Transfer money internationally has never been easier

Kommentare: It was very easy to create an account and start transferring money to it, it has an easy to understand interface which makes it very simple to navigate to any of its sections, I can use it on mobile devices as on computer, allows you to manage your money securely with measures such as two-factor authentication, allows you to work with suppliers from different parts of the world.

Vorteile:

I think it is a good option to transfer money internationally, it works with a wide variety of currencies and handles very low commissions and a favorable conversion rate, transferring money from one country to another quite simple and practical, as if that were not enough, the transfers are quite fast, when transferring the money received from your Wise account to your bank account, you receive the money very quickly without complications, that way receiving international payments becomes easy, fast and secure.

Nachteile:

There are services that are not yet available in all regions, such as international debit cards which would be a great help to make payments with your Wise balance, and do not have a support for electronic payments that are on other platforms, so it is only focused on international transfers but does not cover international payment to businesses as such.

Misapplication of the sanction law

Kommentare: This financial service banned my transfer to a person residing in the city of Zaporizhzhia, Ukraine. Their rationale was that, in their opinion, Zaporizhzhia is under sanctions. However, this is inaccurate. While the Zaporizhzhia oblast is partially occupied and the occupied areas are under sanctions, the city of Zaporizhzhia remains under governmental control. They have conflated these distinct situations. Despite providing them with numerous resources to clarify this, they have not reviewed them and now intend to restrict my account. This demonstrates a significant level of incompetence in the current political and legal situation.

Vorteile:

Fast transactions with other Wise account holders

Nachteile:

1. No customer care. 2. Incompetence in sanction legislation. 3. Customer support works slowly.

Easiest Way To Transfer Your Money

Kommentare: I really like using Wise a lot, it's very smooth and very easy to use

Vorteile:

The speed it has with international money transfer

Nachteile:

There is nothing I don't like about Wise

Cost-Effective Way to Get Paid by Clients in Other Countries

Vorteile:

I've found Wise to be the most cost-effective way of getting paid by clients in other countries. I particularly like being able to invoice in my own currency (UK sterling).

Nachteile:

I haven't found any negative issues when using Wise.

Wise is great

Kommentare: Great app. ! I have been using it for 2 years now . Never failed

Vorteile:

Wise is the best! The fee is not that high . I find it quick during the week days

Nachteile:

The fees that went up lately and I cannot use the card in my country

Unreliable and a big hassle to get your money back

Vorteile:

Nothing. The hassle I had with them to re-activate my account and get my money back was so big that I can not think of anything positive anymore.

Nachteile:

Without valid reasons Wise closed our business and personal accounts. The result was that I could not access our accounts anymore and it took me more than 6 months and lots of emails to get the money from my balances back. Because I could/can not access the accounts I am not sure if they refunded me everything.

Feel safe, it is good value with instant reporting

Kommentare: Successful and happy for virtual transactions across the world

Vorteile:

I like the fact that it feels safe to use, the cost is extremely low and there is instant reporting when the transaction is complete or when there is a problem

Nachteile:

Hard to say because the irritating thing is when a transaction doesn't go through because the Payee's details don't match exactly - as this is also the most important safety feature so vital. Overall a benefit.

They dont have a good support desk

Kommentare: I am really disappointed hey. I have been begging for over a week and support just sends generic template responses and doesn't seem to realize not accessing my business bank account for over a week is absolutely a NO GO!

Vorteile:

It was easy to setup [So we thought] Its easy to pay other people who own a wise acc

Nachteile:

Support is unhelpful Cannot access business bank account without an OTP and they just ignore me Access is an issue