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.

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Wise (TransferWise) Refund Policy

Last verified Oct 12, 2026

Official Wise (TransferWise) PolicyOfficial source

wise.com/help/articles/2978045/how-can-i-request-a-refund-for-my-direct-debit

Oct 12, 2026

Rechecked Oct 12, 2026: wise.com still states the headline terms shown here (8 weeks). How we verify

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. Bank transfer: 0-3 working days, once Wise receives the money. Wise account: instant, if the money hasn't been sent out. EUR Direct Debit refunds: usually within 1-3 working days of the request. Merchant refunds to your Wise card: usually 5–10 working days after the merchant sends them.. 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. Bank transfer: 0-3 working days, once Wise receives the money. Wise account: instant, if the money hasn't been sent out. EUR Direct Debit refunds: usually within 1-3 working days of the request. Merchant refunds to your Wise card: usually 5–10 working days after the merchant sends them.

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.
You can dispute part of a card transaction, or the remaining amount after a merchant's partial refund.

Dispute Process

If a merchant refund to your Wise card hasn't arrived after 10 working days, contact the merchant first and ask for a proof of refund document.
For a problem with a card purchase, contact the merchant first and gather evidence, then open the completed transaction in your Activity list, tap the ? icon, choose I want a refund and submit the dispute form.
Pending card transactions can't be disputed until they complete.
Wise's initial investigation of merchant disputes usually takes up to 30 business days; if the dispute is valid, the merchant has 30–45 days to respond.
If the merchant rejects the refund, Wise may escalate with Visa (around 2 months) or Mastercard (6 months or more).

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, except for Swift transfers.
After 8 weeks, a EUR Direct Debit refund can only be requested if the payment was not authorised.

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