Wise Payments Limited

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 2026·Source ↗

About this institution

Dated events for Wise Payments Limited, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Financial Conduct Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 07 Jun 2018

   Licence granted by the Financial Conduct Authority

Position in the United Kingdom register

Wise Payments Limited is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 87th oldest of the 287 dated United Kingdom EMI authorisations, one of 112 granted in 2018.

Is your money safe with Wise Payments Limited?

Wise Payments Limited holds an e-money authorisation from Financial Conduct Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by the FSCS, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Authorised activities (PSD2 / EMD2)

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

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

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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