How do I get a refund from Wise (TransferWise)?

Steps: For most cancelled or returned transfers, the refund is sent automatically to the account or card you paid with. If the bank account you paid from is now closed, the refund will likely bounce back to Wise from your old bank. When a refund bounces, Wise will email you to request details of a different bank account to send the refund to. For some currencies or if you sent too much money, Wise may email you to request your original bank account details for verification before processing the refund.

How long does a Wise (TransferWise) refund take?

Processing time: Credit or debit card: Up to 10 working days, but typically 2-5 working days. Bank transfer: 0-3 working days after Wise receives the money back. Wise Balance: Instant, if the money has not yet been sent out.. Refund window: For EUR Direct Debits, you can request a refund up to 8 weeks after the payment. For other transfers, refunds are not based on a time window but are triggered by events like cancellation or the recipient's bank returning the funds..

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Wise (TransferWise) Refund Policy

Last verified: 2026-03-20

Official Wise (TransferWise) PolicyVerified

wise.com/help/articles/2932372/how-will-i-get-my-refund

2026-03-20

Summary

Wise (TransferWise) offers refunds within For EUR Direct Debits, you can request a refund up to 8 weeks after the payment. For other transfers, refunds are not based on a time window but are triggered by events like cancellation or the recipient's bank returning the funds.. Processing time: Credit or debit card: Up to 10 working days, but typically 2-5 working days. Bank transfer: 0-3 working days after Wise receives the money back. Wise Balance: Instant, if the money has not yet been sent out.. Refund methods include refunds are automatically sent back to the original payment method.. Refunds are issued if a transfer is cancelled..

Refund Window

For EUR Direct Debits, you can request a refund up to 8 weeks after the payment. For other transfers, refunds are not based on a time window but are triggered by events like cancellation or the recipient's bank returning the funds.

Processing Time

Credit or debit card: Up to 10 working days, but typically 2-5 working days. Bank transfer: 0-3 working days after Wise receives the money back. Wise Balance: Instant, if the money has not yet been sent out.

Refund Method

Refunds are automatically sent back to the original payment method.

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How to Get a Refund — Step by Step

1For most cancelled or returned transfers, the refund is sent automatically to the account or card you paid with.
2If the bank account you paid from is now closed, the refund will likely bounce back to Wise from your old bank.
3When a refund bounces, Wise will email you to request details of a different bank account to send the refund to.
4For some currencies or if you sent too much money, Wise may email you to request your original bank account details for verification before processing the refund.

When You Can Get a Refund

Refunds are issued if a transfer is cancelled.
A refund is processed if the recipient's bank sends the money back to Wise.
For AUD, CAD, GBP, and USD Direct Debits, a refund can only be requested for technical errors, such as being charged twice or after a cancellation.

Partial Refunds

Partial refunds can be received to your Wise card; the process is the same as a full refund.

Dispute Process

If you are waiting for a refund from a merchant for more than 15 days, you should first contact them for a proof of refund document.
If the merchant cannot help, you can submit a dispute form to Wise with relevant documentation.
After initiating a chargeback process, Wise will wait 35 to 50 days for the merchant's reply and provide you with updates.

Additional Notes

If you paid with a debit or credit card that has since expired or been cancelled, the refund will still arrive safely in the linked bank account as long as it is still open.
For mobile wallet payments (like Apple or Google Pay), the refund automatically goes back to the card linked to the wallet.
Generally, there is no fee for cancelling and refunding a transfer.