Incompatible accounts and payments

When you send money to Wise there are some types of accounts or payments we can't accept. There are three different ways to send payments to us:

• Sending money to pay for a transfer.

• Adding money to your own Wise account.

• Receiving money to your Wise account from someone else.

As a regulated company, we have to follow strict rules. This means we'll cancel or return any payments that exceed the risk we can take, and we may sometimes have to close accounts.

For almost all transfers, the money must come from an account in your own name. If the account holder name doesn't match your Wise account name, we can't accept the money.

You can send money from a joint account as long as you’re one of the account holders and your name matches your Wise account.

Learn more about sending from a joint account

Types of accounts we may not be able to accept money from

Brokerage accounts

You can pay for a transfer from USD brokerage accounts, but only if the account is in your name. We might ask you for a document that proves you own the account.

Stripe

You can't pay for a transfer or add money from Stripe. However, you can receive money from Stripe into your Wise account.

PayPal

You can receive money from your PayPal account if PayPal accepts your Wise account details as a withdrawal bank account.

Third-party accounts

We can't accept money if the account holder is a third party. Some examples of accounts we don't support include:

• Estate accounts

• Skrill accounts

• Contis Group accounts

• Card One accounts

What payment types are not supported?

We can’t accept cash or cheques in any form.

Can I use cryptocurrencies?

Adding or sending money

You can’t add money or pay for transfers with cryptocurrencies. You also can’t make any outgoing transfers to a crypto platform.

Receiving money

You can receive money to your Wise account from a platform that deals with cryptocurrencies, but only if:

• The platform is regulated and supervised in the EU or UK.

• The platform is within the risk we can take (this is at our discretion).

For example, we're not able to accept any payments from Binance or Coinbase.

To learn more, you can check section 1.2 in our Acceptable Use Policy regarding unsupported transactions, and section 1.2.2.c for more information on cryptocurrencies.

Always check the terms for your own region here. You should also check the relevant Wise card supplement for more information on how to use your card.