Can I cancel a Wise transfer?

Yes, if the transfer hasn't gone out yet. You can cancel it yourself while it's **set up, on its way to Wise, or being processed**. Go to **Home**, select the transfer and choose **Cancel transfer**. Wise emails you to confirm the cancellation and refunds you the way you paid. If you don't see a cancel button, the money has probably already been sent and Wise can't stop it. Transfers you set up but never pay for are cancelled automatically after 2 weeks.

Is there a fee to cancel a Wise transfer?

Generally no. Wise says there's **no fee for cancelling and refunding a transfer** and that it refunds the full amount you paid in most cases. The exception is **Swift transfers**, where fees from other banks in the chain may not be recoverable. Closing your Wise account is also free; there's no cancellation fee. Remember that if you cancel and set the transfer up again later, you won't get the original exchange rate.

Can I cancel a Wise transfer that's already completed?

No. Once a transfer is marked complete, Wise treats it as final and **can't reverse or recall it**. The money has left Wise and entered the banking system. Your option is to contact the recipient: they can ask their bank to **reject the payment**, which sends the money back to Wise, and Wise then refunds you. If you sent the money to yourself, just transfer it back. Wise won't step into disputes between senders and recipients, but it does investigate fraud reports.

Will I lose my money if Wise closes my account?

No. A closed account doesn't mean your money is kept. Wise says you usually have **90 days from its first email** to move your money out. Until the closure date you can still withdraw and use your card, but you can't add or receive money. If the account is already deactivated, use the **refund request** on the appeal page and give the details of a bank account outside Wise. Wise cancels pending transfers and returns that money the way you paid, after security checks.

Does Wise charge a monthly fee or subscription?

No. Wise's pricing page says you **only pay for what you use, with no subscriptions or plans**. Opening an account and holding money are free. You pay per transaction: transfer and conversion fees start at 0.23%, and the Wise card is a one-off 9 USD. Since nothing renews automatically, there's no subscription to cancel. 'Cancelling Wise' means closing the account, or cancelling a specific transfer or Direct Debit.

Will I lose my transaction history if I close my Wise account?

Yes, you lose access to it in the app and on the website. Wise recommends downloading any **transfer receipts and balance statements** before you close. Because Wise is a regulated financial institution, it has to keep some of your personal data and can't delete everything. It deletes information it no longer needs. If Wise closed your account and you need statements later, for taxes for example, contact support using the email address given in the closure message.

Can I reopen my Wise account after closing it?

If you closed your own account by mistake, Wise's help centre says you can **reactivate it**. Log back in and follow the prompts, or contact support. This doesn't apply to accounts closed by Wise: Wise says those decisions are usually final, although you can still appeal through the appeal page. Wise doesn't allow duplicate accounts, so reactivating your old account is better than opening a new one with another email.

Why am I still being charged after cancelling Wise?

Usually one of three things: the cancellation never completed (no written confirmation), the subscription bills through Apple or Google and must be cancelled there, or a minimum term is still running. Charges continuing after a confirmed cancellation can be disputed with your bank as a chargeback.

How do I delete my Wise account?

Cancel the subscription first, then request account deletion in settings or by email. If there is no self-serve option, email a written erasure request citing the applicable data-protection law; most companies complete erasure within about 30 days.

How to Cancel Wise When Close Account Won't Work.

Q: Does Wise charge a cancellation fee?

Rolling monthly plans end at the period already paid for with nothing extra to pay. Fixed minimum-term plans can carry an early-exit charge until the term ends, check your signup terms for a minimum-term end date.

Here's the fastest way to cancel Wise and what to expect.

Last verified yesterday · data refreshes daily · sources: homepage, pricing, terms, contact, contact

The fastest way

Wise has no subscription to cancel. To close your account, empty every balance and wait for pending transfers and card payments to finish. Then go to Settings → Close account on the web or in the app. To cancel a pending transfer, go to Home → Cancel transfer. If you're stuck, email complaints@wise.com with the subject 'Account closure, [your account email]'. Wise aims to reply within 1 working day.

Or let yoink do it for you.

30 seconds. AI emails Wise, handles retention, chases the refund. You approve once, then sleep.

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Every way to cancel Wise

Phone: Call +1 888 501 4041 and say “cancel my service”. Expect a retention pitch, decline it twice and hold firm.
Email: Wise doesn’t process cancellations by email. Still worth sending one: it dates your cancellation request in writing, which matters for disputes and refunds.

Timing matters: There's no billing cycle. You can only close the account once every balance is at zero and no transfers or card payments are pending. You can only cancel a transfer before it's marked complete. Unpaid transfers are cancelled automatically after 2 weeks. If Wise closes your account, you usually have 90 days from its first email to move your money out. To stop a scheduled US payment by phone, call at least 3 business days before it's due.

Cancelling a Wise order by email

Wise won’t action a cancellation from an email alone, use the fastest channel above for the cancellation itself. This email still earns its place: it puts your cancellation date in writing (your evidence if they keep billing) and it’s where the refund request happens.

Email the verified address
reply@support.wise.com, yoink-verified working email for Wise (confirmed by tracked cancellations).
Use a precise subject
Subject: Cancellation Request, [your account email]

Send this template

Hi Wise team,

I'd like to cancel my recent Wise order (reference [order number], placed on [date]) under the account [your account email].

Please confirm the cancellation by reply and process the refund to my original payment method.

Best,
[your name]

Wait for confirmation
Wait 24 hours. If there's no response, send a polite one-line follow-up referencing the original request.

Wise plans you can cancel

Wise Personal Account
There's no subscription, so nothing renews. To close the account: empty every currency balance (including Jars, Stocks and Interest), wait for pending transfers and card payments to finish or cancel them, then go to Settings → Close account on the web or in the app. The close option won't work while you still have money or pending payments in the account.
$0.00/mo
Wise Multi-Currency Card
The card costs 9 USD once, with no subscription fee. It stops working when you close your account, so update your card details on any websites that charge it first.
Wise Business
Only the account owner can close a Business account. Go to your business name → Settings → Close account. Before that, withdraw all balances, disconnect accounting tools like Xero or QuickBooks, and complete or cancel any pending transactions. Users who aren't the owner only see 'Leave your business account'.

What happens to what you’ve already paid

Wise charges per transaction, not by subscription, so there are no recurring charges to refund. Money transfers: you can cancel a transfer yourself while it's set up, on its way to Wise, or being processed. You get the full amount back, except on Swift transfers. Once a transfer is marked complete it is final, and Wise won't recall it. The recipient has to ask their bank to reject it. Account closures started by Wise: you usually have 90 days from Wise's first email to move your money out. If the account is already deactivated, submit a refund request on the appeal page. Refunds take 3 to 10 working days for card payments, 2 to 3 for bank or wire payments, and up to 90 working days for ACH or bank debit payments.

“Generally no, there’s no fee for cancelling and refunding a transfer. We’ll refund the full amount you paid us in most cases, except for Swift transfers.”
, Wise terms

Asking specifically for money back, not just a cancellation? See the dedicated Wise refund guide , same data, but framed around the policy + escalation paths.

Does Wise charge a cancellation fee?

Wise’s terms mention conditions worth checking before you cancel, see the plan notes and policy quote above for the specifics we found. In general: rolling monthly plans end at the period you’ve already paid for with nothing extra to pay, while minimum-term or contract plans can carry an early-exit charge until the term ends.

What doesn’t work for cancelling Wise

Based on 8 sources, Reddit, app reviews, and direct testing. Skip these and save yourself the loop.

✕ Emailing Wise to ask them to close your account, You close your own account through Settings → Close account. Wise has no general support inbox for new requests: reply@support.wise.com only works for replies to existing support threads. Contact requests go through the Help Centre's 'Contact us' form.
✕ Asking Wise to recall or reverse a completed transfer, Wise's help centre says completed transfers are final and that Wise can't reverse or recall payments. The recipient has to ask their bank to reject the payment so the money comes back to Wise.
✕ Clicking Close account while money or pending payments are still in the account, The close option won't work until every balance is at zero and all pending transfers and card payments have finished.
✕ Trying to withdraw a few leftover cents yourself to reach a zero balance, Wise doesn't let you withdraw very small amounts yourself. Its help page tells you to call so they can clear the balance.
✕ Asking Wise to settle a dispute with the person or business you paid, Wise says it can't get involved in disputes between senders and recipients. It only investigates fraud claims.
✕ Chasing a refund before the published refund time has passed, Wise says to wait until the refund time is up before contacting them and that it can't speed up the process.
✕ Filing a complaint about a deactivated account before appealing, Wise recommends appealing first and says its team can't help until you have.
✕ Calling the US number from outside the US, Elliott.org notes that non-US customers who call the US English-language line are routinely told to use in-app chat instead.

Cancelled Wise but still being charged?

Three common reasons, in order of likelihood:

The cancellation didn’t actually complete. If you never received a written confirmation from Wise, treat it as not cancelled. Email reply@support.wise.com referencing your original request date and ask for written confirmation plus a refund of any charge taken since.
You cancelled in the wrong place. Subscriptions started through the App Store or Google Play bill through Apple or Google, cancelling on Wise’s site doesn’t touch them. Check Settings → Subscriptions on iPhone, or Play Store → Payments & subscriptions on Android.
Billing lag. A charge that was already in flight when you cancelled can still land a few days later. One trailing charge can be normal; two is not.

If they keep charging after a confirmed cancellation, that’s chargeback territory: dispute the charge with your bank citing “subscription cancelled, merchant continued billing”. The yoink app also flags this automatically, it keeps watching your inbox after a confirmed cancellation and alerts you if Wise charges again.

How Wise will try to keep you

Wise may respond with a retention offer, a discount, a free month, or a downgrade to a cheaper tier. Don't engage with the counteroffer. Restate that you want a full cancellation and cite the consumer law again if they push back.

They’ll say: “The close-account flow shows a screen listing what you'll lose (card, transfer history, account features) and asks you to pick a reason before you can confirm.”
You say: Download your statements and receipts first. Then click 'I'm okay with that', pick any reason such as 'not using this service anymore', and confirm Close Account. Keep the confirmation screen or email.
They’ll say: “The account can't be closed while there's a tiny leftover balance or a pending transaction.”
You say: Send each balance out in full to an outside bank account using 'Send it all'. Cancel any pending transfers. If a few cents are left that you can't withdraw, call Wise. Its help page says they can clear the amount for you.
They’ll say: “For deactivated accounts, Wise sends you to the appeal process before support or complaints will help.”
You say: Submit the appeal and the refund request on the appeal page right away, with details of an outside bank account in your name. If the appeal is refused or stalls, file the formal complaint form.
They’ll say: “The complaint deadline gets extended (15 calendar days can become 35 in the UK and up to 56 in Canada).”
You say: Write down the date you complained. If Wise hasn't replied after 15 calendar days, or you're unhappy with its final response, take the complaint to the dispute body for your region. Wise lists these on its complaints page.
They’ll say: “ACH/bank-debit refunds held for up to 90 working days for 'due diligence' checks”
You say: Ask Wise in writing for a status update and an expected completion date. Ask for the funds to be returned to an outside account. If nothing changes, raise a formal complaint so the regulated complaint deadlines apply.
They’ll say: “Support tickets and uploaded documents go unanswered.”
You say: Email the complaints mailbox directly. complaints@wise.com is the complaints address listed on the FCA register, and one ConsumerAffairs reviewer got a reply within hours from customercomplaints@wise.com after weeks of silence on other channels.

Your rights when cancelling

The law where you live is the strongest hook, lead with it when you contact the company.

Worldwide

Card-issuer chargeback
Your bank can reverse the charge.
Visa, Mastercard, and Amex all run chargeback schemes, “goods/services not as described” or “subscription not cancelled” are valid reason codes everywhere they operate. Your bank handles the dispute; Wise has ~45 days to defend.

Rights in other regions (United Kingdom)

United Kingdom

Consumer Contracts Regulations 2013
14-day cooling-off on new subscriptions.
You can terminate any continuous service contract within 14 days of starting it and recover any payment, no questions asked. Applies regardless of Wise’s own policy.
Consumer Rights Act 2015
Services must be as described.
If Wise’s service was misrepresented or didn’t deliver what was promised, you have a statutory right to remedy (repair, refund, or price reduction) regardless of their terms.

Delete your Wise account (not just cancel)

Cancelling stops the billing; deleting removes your account and personal data. Do them in that order, deleting an account with an active subscription can leave the billing running with no way to log in and stop it.

If there’s no delete option in Wise’s account settings, email reply@support.wise.com with the subject Account deletion request, [your account email] and ask for your account and personal data to be erased under state privacy laws such as the CCPA. They’re typically required to act on it, most companies complete erasure within about 30 days, and you should ask for written confirmation when it’s done.

Common questions about cancelling Wise

You close a personal Wise account yourself on the website or in the app. First, **empty every balance**: from Home, open each currency, choose Send and send the full amount to an outside bank account. Then **wait for pending transfers and card payments to finish**, or cancel them. Finally, click your name or initials → **Settings** → **Close account** and follow the on-screen steps. The option won't work while money or pending payments remain. Download any statements you need beforehand, because you lose access to them after closing.

Money-back questions (windows, pro-rata, chargebacks) are covered in the Wise refund guide. Need a human for something else entirely? The Wise contact guide lists every channel that actually answers.