Wise Payments Limited. Read here in the order of the method: entity first, licence second, protection third, interface last.
Authorised electronic money institution under the Electronic Money Regulations 2011, supervised by the FCA.
Safeguarded, and Wise states explicitly that the e-money is not covered by the FSCS.
Safeguarding is a mix of cash at banks, government bonds and a comparable guarantee, held apart from company money. It protects the balance in insolvency, it does not pay compensation.
An empty cell is more honest than a guess. These lines stay here until we can put a source next to them.
Wise publishes a status page and ships API changes on a documented versioning scheme. Migration risk sits mostly in multi-currency balances, which behave differently from a single account.
Sources for this profile: Wise help centre, how Wise Payments Ltd safeguards customer funds. Checked 1 Sep 2026.
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