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.

Page summary

723 published decisions involving Wise Payments Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

723

Firm-specific decision volume in the public corpus

Upheld rate

22.3%

161 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

723

Firm-specific decision volume in the public corpus

Upheld rate

22.3%

161 upheld decisions

Leading product

Banking and Payments

722 decisions

Leading complaint theme

Fraud Or Scam Concern

521 tagged decisions

Wise Payments Limited at a glance

Wise Payments Limited appears in 723 published decisions in this corpus. 22.3% 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 722 decisions and an upheld rate of 22.3%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Fraud Or Scam Concern
  • Most common precedent signal: Disp

Volume and outcome trajectory

Wise 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 2 published decisions with an upheld rate of 50.0%.

  • 2026: 2 decisions, 50.0% 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

Fraud 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”.

Disp, Fsma, Payment Services Regulations, 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: 722 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Fsma

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-581776502 Feb 2026Not upheld

Wise Payments Limited · Banking and Payments

For the reasons above, I have decided not to uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr A to accept or reject my decision before 2 March 2026.

View source decision
DRN-611363502 Feb 2026Upheld

Wise Payments Limited · Banking and Payments

For the reasons above, I have decided to uphold this complaint in part. Wise Payments Limited must now put things right as directed above.

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DRN-594023224 Dec 2025Not upheld

Wise Payments Limited · Banking and Payments

DRN-5940232 The complaint Mr G complains that Wise Payments Limited trading as Wise (Wise) is refusing to refund him the amount he lost as the result of a scam. Mr G is being represented by a third party. To keep things simple, I will refer to Mr G throughout my decision. What happened ... (4 pages)

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DRN-596220923 Dec 2025Upheld

Wise Payments Limited · Banking and Payments

DRN-5962209 The complaint Mrs S complains that Wise Payments Limited (Wise) won’t refund money she lost when she was a victim of a job scam. Mrs S is represented in this matter, but for ease of reading I have referred to Mrs S throughout this decision. What happened The background to th... (6 pages)

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DRN-559759422 Dec 2025Not upheld

Wise Payments Limited · Banking and Payments

DRN-5597594 The complaint Ms H complains that Wise Payments Limited (‘Wise’) won’t refund money she lost as part of a scam. Ms H is represented in this matter, but for ease of reading I have referred to Ms H throughout this decision. What happened The background to this complaint is wel... (4 pages)

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