Is Wise Payments Limited a licensed e-money institution?

Yes. Wise Payments Limited holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900507. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates Wise Payments Limited?

Wise Payments Limited is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.

What is Wise Payments Limited's licence or FRN number?

Wise Payments Limited's licence reference number is 900507. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

Wise Payments Limited

3.8(195 notes)ActiveEMI

View on register

Regulator

Financial Conduct Authority

Licence number

900507

Authorised since

07 Jun 2018

EEA passports

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach: DomesticTier D
Scope: SpecialistTier C
Tenure: MatureTier B

Pricing snapshot

Editorial · Personal

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan: Personal
Monthly fee: Free
Card issuance: GBP 7.00 one-off
Free ATM / month: GBP 200 / 2 withdrawals
ATM fee: 1.75% + GBP 0.50
FX markup: Mid-market + 0.33-0.65%
SEPA transfer: From GBP 0.20
SWIFT transfer: Variable by corridor

Wise discloses the exact corridor fee in the quote.

Verified 15 Apr 2026Source ↗

About this institution

Verified active. Wise Payments Limited holds a current licence issued by the Financial Conduct Authority under reference 900507. The licence was granted on 7 June 2018. The entity is authorised to conduct three core activities: distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds. These are the substance of the e-money permission on record.

The register lists zero EEA host states under passporting arrangements. Wise Payments Limited operates from its UK jurisdiction only and does not hold recorded passporting rights into other European Economic Area member states.

Data note: operational status is recorded as active as at the last cross-check. The Financial Conduct Authority licence reference 900507 confirms the entity's authorisation continues under that designation.

Authorised activities (PSD2 / EMD2)

Payment-services activities Wise Payments Limited is permitted to carry out under its licence, as recorded in the register.

Distribution and redemption of electronic moneyEMI_DISTRIBUTION
Issuance of electronic moneyEMI_ISSUANCE
Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is Wise Payments Limited a licensed e-money institution?: Yes. Wise Payments Limited holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900507. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
Who regulates Wise Payments Limited?: Wise Payments Limited is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
What is Wise Payments Limited's licence or FRN number?: Wise Payments Limited's licence reference number is 900507. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

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