Published decisions
775
Firm-specific decision volume in the public corpus
Firm analysis
Wise Payments Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Wise Payments Limited, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
21.9%
170 upheld decisions
Page summary
775 published decisions involving Wise Payments Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
775
Firm-specific decision volume in the public corpus
Upheld rate
21.9%
170 upheld decisions
Latest published decision 15 Sept 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
775
Firm-specific decision volume in the public corpus
Upheld rate
21.9%
170 upheld decisions
Leading product
Banking and Payments
774 decisions
Leading complaint theme
Fraud Or Scam Concern
567 tagged decisions
Wise Payments Limited at a glance
AnalysisWise Payments Limited appears in 775 published decisions in this corpus. 21.9% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and Payments is the firm’s clearest product exposure in the published decisions, with 774 decisions and an upheld rate of 22.0%.
- Latest active year in the published data: 2026 (54 decisions)
- Most common complaint theme: Fraud Or Scam Concern
- Most common precedent signal: Payment Services Regulations
Volume and outcome trajectory
AnalysisWise Payments Limited's decision trail runs from 2022 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Wise Payments Limited appeared in 54 published decisions with an upheld rate of 18.5%.
- 2026: 54 decisions, 18.5% upheld
- 2025: 343 decisions, 13.4% upheld
- 2024: 234 decisions, 29.9% upheld
- 2023: 98 decisions, 38.8% upheld
- 2022: 46 decisions, 13.0% upheld
Themes, products, and precedent signals
AnalysisFraud Or Scam Concern is the strongest complaint-theme signal tied to Wise Payments Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Payment Services Regulations, Disp, Fsma, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and Payments: 774 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-645099715 Sept 2026Not upheld
Wise Payments Limited · Banking and Payments
For the reasons set out above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask C to accept or reject my decision before 11 September 2026.
View source decisionDRN-654287218 Aug 2026Not upheld
Wise Payments Limited · Banking and Payments
For the reasons outlined above, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr E to accept or reject my decision before 15 September 2026.
View source decisionDRN-656015017 Aug 2026Not upheld
Wise Payments Limited · Banking and Payments
My final decision is that I do not uphold this complaint as I’m satisfied Wise has already taken appropriate steps to put things right. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs H to accept or reject my decision before 14 September 2026.
View source decisionDRN-624524814 Aug 2026Not upheld
Wise Payments Limited · Banking and Payments
For the reasons stated above I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr E to accept or reject my decision before 11 September 2026.
View source decisionDRN-648613414 Aug 2026Upheld
Wise Payments Limited · Banking and Payments
I uphold this complaint in part. Wise Payments Limited trading as Wise should put things right as set out above.
View source decision