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.

REFUND GUIDE

How to Get a Wise Refund After Account Deactivation.

Q: How long does a Wise refund take?

It depends on how you paid. According to Wise's help centre: - **Card:** 3 to 10 working days - **Bank or wire transfer:** 2 to 3 working days - **ACH / bank debit:** up to 90 working days, while Wise carries out due diligence checks Wise's US guide also lists Swift refunds at 5 to 10 working days. Wise asks you not to chase a refund before this time has passed, as it can't speed things up. If the time has passed and you still have nothing, open a formal complaint so the official response deadlines apply.

Wise refunds are per-order, here's what their policy actually says, and how to escalate if they ignore the request.

Last verified yesterday against Wise’s own Terms · UK, US, and EU rights covered below

The short answer

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.

Or let yoink chase the refund.

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What Wise actually says

“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.”
, verbatim from Wise’s terms

How long does a Wise refund take?

Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.

What you can claim

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

United States

Fair Credit Billing Act (FCBA)
Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a Wise charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.

Worldwide

Card-issuer chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, Wise has ~45 days to defend. Works regardless of where Wise is headquartered.
PayPal Buyer Protection
If you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.

Rights in other regions (United Kingdom, European Union)

United Kingdom

Consumer Contracts Regulations 2013
Full refund within the 14-day window.
Inside 14 days of starting any Wise subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
Citizens Advice + Trading Standards
For repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail Wise can’t ignore.

European Union

ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If Wise is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.

The Wise refund email

Email the right address
Use reply@support.wise.com, the route yoink has verified actually gets read for Wise.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi Wise team,

I'm requesting a refund for my Wise order (reference [order number], placed on [date], for [amount]).

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

Best,
[your name]

Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.

Refund FAQ for 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.