Wise Account Suspended? 7 Fix Steps & Reasons

The cross-border payment tool Wise (formerly TransferWise) has become the preferred financial tool for foreign trade and cross-border freelancers due to its low fees and multi-currency support. However, many users encounter problems such as "account restrictions" and "fund freezing" after account activation. This article will deeply analyze the 6 core reasons for Wise account closures , and provide a complete unblocking appeal template + prevention plan to help you safely use Wise to manage cross-border funds.

one, 6 common reasons why your Wise account is frozen/banned

1. Authentication Issues

Blurred ID, mismatched address proof, registration with a fake phone number

Probability of being banned : ★★★★★

2. Abnormal transaction pattern

Large amount transfers in a short period of time, frequent changes of payees, and funds flowing to high-risk areas (such as Russia and Iran)

Probability of being banned : ★★★★☆

3. High-risk industry connections

Involving cryptocurrencies, foreign exchange margin trading, adult products and other industries that Wise explicitly prohibits

Probability of being banned : ★★★★☆

4. Violation of Terms of Service

Collecting money on behalf of others, subletting accounts, and fabricating transaction purposes (such as declaring "payment" as "personal gifts")

Probability of being banned : ★★★☆☆

5. IP/equipment environment risks

Frequently changing login IP (especially cross-border IP hopping), using public WiFi or proxy servers to log in

Probability of being banned : ★★★☆☆

5. Related account violations

The same device /IP has logged into other blocked Wise accounts

Probability of being banned : ★★★☆☆

2. How to save yourself after your account is blocked? 3 steps to quickly unblock it

Step 1: Confirm account status and freeze reason

Log in to the Wise official website and check the in-site notifications or emails, which usually indicate the reason for the freeze (such as "additional verification required" or "transaction under review").

Key actions :

If prompted to "supplement materials", they must be submitted within 72 hours . Failure to do so may result in permanent closure.

If no reason is given, please contact customer service directly with the subject line “Urgent: Account Restriction Appeal”.

Step 2: Prepare appeal materials (submit evidence in a targeted manner)

Authentication Class Freeze :

High-definition passport /ID card front and back (complete edges, no reflection)

Address proof within 90 days (water and electricity bills, bank statements, must be consistent with the registered address)

Transaction review freeze :

Provide transaction contracts, invoices, logistics orders, etc. to prove the legitimacy of funds

Explain the purpose of the account (e.g. "Freelancer income" or "cross-border e-commerce payment")

Appeal letter template ( PDF + email body dual-channel delivery):

Step 3: Follow-up and communication skills

Customer Service Communication :

Avoid accusatory or emotional language and remain objective and state the facts.

If the customer service response is vague, you can cite the terms of the Wise User Agreement (such as Article 4.2 "Account Review Rights") to request a clear explanation.

Second appeal :

If your initial appeal is rejected, you can contact the head of Wise's compliance department through LinkedIn and attach a more complete chain of evidence.

 

3. How to prevent your Wise account from being blocked? 6 golden rules

1. Strict identity consistency

l When registering, use your real permanent address (it is recommended to be consistent with your bank statement) and avoid using a collection address or virtual office.

l The mobile phone number must be authenticated by your real name. It is recommended to use a long-term number such as Google Voice.

2. Control transaction frequency and objects

l In the first three months of a new account , the single transfer shall not exceed 5,000, the monthly cumulative transfer shall not exceed 5,000, and the monthly cumulative transfer shall not exceed 20,000.

l Avoid frequent transfers to unfamiliar accounts, especially cryptocurrency exchanges and offshore company accounts.

3. Disable high-risk industry keywords

l Sensitive words such as Crypto, Forex, Gambling, Adult, etc. are not allowed to appear in the transfer notes .

l It is recommended to use neutral descriptions: Freelance payment, Product purchase, Service fee.

4. Fixed IP and device login

l Use a static residential IP (such as IPFoxy static IP service) and bind a fixed country IP (it is recommended to be consistent with the place of registration).

l Do not log in to multiple Wise accounts on the same device . It is recommended to use an anti-association browser (such as AdsPower).

5. Keep complete transaction receipts

l Each transfer must correspond to a contract, invoice, and logistics order, and be archived by month (it is recommended to save to the cloud + local).

l Report large transactions to customer service via email in advance, stating the source and purpose of the funds.

6. Avoid "sudden death" of accounts

l Do not clear your account balance in a short period of time (especially when transferring out multiple currencies at the same time).

l Before changing your bank card or mobile phone number, please contact customer service to report it.

4. FAQ

Q1: How long does it take to unblock a Wise account?

If all the documents are complete, it usually takes 3-7 working days; complex cases may be extended to 30 days.

Q2: How to withdraw funds after they are frozen?

If the account is permanently closed, Wise will ask you to provide a receiving account and return the balance after review (possibly deducting a handling fee).

Q3: Can I register a new account to replace the blocked account?

High risk! Wise will link old and new accounts through device fingerprints and ID information, which may lead to serial bans.

V. Conclusion

The core reason for Wise account closure is that "the platform risk control system determines that the account is suspected of money laundering or violation ." Instead of remediation after the fact, it is better to do a good job of compliance management from the registration stage: maintain identity consistency, standardize transaction records, and use a clean IP environment.