When you send a large amount with Wise, we need to verify your account as usual.
But, depending on how much you send, we might also need to check how you got the money for this transfer. And we might ask to see some documents as proof.
It’s a good idea to have your documents to hand before you start. This will help to speed up the process if we do ask to see them.
What documents might I need?
This article lists examples of documents we might ask for, depending on whether you’re sending from a personal account or a business account.
What do my documents need to show?
Your documents need to show your full name, the total amount (which should cover the amount you’re sending), and the date you received the money.
Depending on how you got the money, your documents might need to show some other information too. Read the rest of this article to find out more.
How many documents should I provide?
If we ask to see proof of where your money came from, it’s best to provide as many of the documents we’ve listed as you can. We might contact you if we need more information.
Will a bank statement do?
It’s always best to provide other documents as well. Bank statements can help us to verify where your money came from, but they’re usually not enough on their own.
Do I need to send documents in advance?
There’s no need to send documents in advance, because we can’t check them before you set up a transfer.
Do I need to get my documents translated?
You don’t need to get your documents translated. You can send them to us in the original language.
Documents you might need if you’re sending from a personal account
Here are some examples of documents that we might ask for, depending on where your money comes from. These are just examples, and we could ask for documents that aren’t on this list.
Property sale
If your money comes from selling a property, we might ask to see documents that show:
the date you received the money
the amount you received
signatures of the parties involved
the address of the property
a description of the property
the length of time you owned it for
Here are some examples of documents you could use:
part of the final sales contract signed by both parties
a letter from a solicitor, auditor or regulated accountant
bank statements showing you received the money
extracts from the property register
any other proof
Salary
If your money comes from your salary, we might ask to see documents that show:
your role
your annual salary
your employer’s name
your employer’s address
the dates you were employed
the dates you received salary payments
Here are some examples of documents you could use:
most recent payslips
the salary section of your contract
a letter from your employer saying how much you earn
last 3 months of bank statements
your latest tax return (if you’re sending BRL and your tax return is from Brazil, you’ll also need to send a delivery receipt)
any other proof
Investments
If your money comes from investments, we might ask to see documents that show:
the date you received the money
the amount you received
the type of investments you made
Here are some examples of documents you could use:
investment certificates, contract notes, or statements
confirmation from your investment company, bank, or dividend payer
bank statements showing you received the money
any other proof
Inheritance
If your money comes from inheritance, we might ask to see documents that show:
the date you received the money
the amount you received
the name of the person who made the will
the signature of the person who made the will
your relationship with the person who made the will
Here are some examples of documents you could use:
a signed copy of the will
a grant of probate or court document
a letter from a solicitor
bank statements showing you received the money
any other proof
Loan
If your money comes from a loan, we might ask to see documents that show:
the amount you borrowed
the date you received the money
the name of the lender
the address of the lender
the purpose of the loan
Here are some examples of documents you could use:
extracts from your loan agreement
3 months of loan statements
bank statements showing you received the money
any other proof
Something else
If you got the money another way, we might ask to see documents that show:
the date you received the money
the amount you received
the reason you received it
Here are some examples of documents you could use:
a signed letter from a solicitor, auditor, or accountant
written confirmation from the payer
bank statements showing you received the money
any other proof
Documents you might need if you’re sending from a business account
If you’re sending a large amount from your Wise Business account, here are some documents we might ask for. These are just examples, and we could ask for documents that aren’t on this list.
Business revenue
If the money you’re sending comes from business revenue, we might ask to see documents that show:
your business name
transaction dates
transaction amounts
the senders
the recipients
Here are some examples of documents you could use:
business bank statements from the last 3 months
audited financial statements
any other proof
Investments
If the money you’re sending comes from investments, we might ask to see documents that show:
the date your business received the money
the amount received
the type of investments
names of the parties involved
signatures of the parties involved
Here are some examples of documents you could use:
confirmation from your investment company, bank or dividend payer
bank statements showing your business received the money
any other proof
Loan or funding
If the money you’re sending comes from a loan or third-party funding, we might ask to see documents that show:
the date your business received the money
the amount received
names of the parties involved
addresses of the parties involved
signatures of the parties involved
the loan purpose
the payment purpose
Here are some examples of documents you could use:
signed loan contract, investor agreement or similar
bank statements showing your business received the money
any other proof
Something else
If your business got the money another way, we might ask to see documents that show:
the date your business received the money
the amount received
names of the parties involved
signatures of the parties involved
the reason your business received it
Here are some examples of documents you could use:
bank statements showing your business received the money
written confirmation of the payment reason
any other proof
Need more help? Get in touch with our team of large transfer experts.