How does verification work?

We usually verify your identity with some photo ID, proof of address, and/or a picture of you holding your ID.

When and how we verify you depends on a few things:

The amount you send
- When you send larger amounts, we might need to see additional documents that show how you got the money.
- When you send smaller amounts, we’ll usually verify your identity.
The currency you send
- Some countries require proof of identity to send any amount.
- Some currencies require further identification. For example, sending US dollars requires an online banking log in.
- Some countries and currencies require more information about how you earn your money, and how you plan to use Wise. If we need this, we’ll ask you when you set up your transfer.
How many transfers you’ve made
- While we might only verify your identity at first, we might need to verify your address later on.

Sometimes, we need to ask for additional documents once a transfer has started. Rest assured our team will work tirelessly to verify these documents as soon as possible to get your money moving again.

Other times, we can automatically verify you when you make a bank transfer. If your transfer comes from your own bank account, and your name there matches with the name on your Wise account, we consider this a first form of identity confirmation. You may not need to do ID or address verification in this situation.

We can only do this for some currencies, and if you send below 15,000 EUR. We can’t do this for business accounts, either.