Cookies Policy

STRICTLY NECESSARY COOKIES

Cloudflare

We use the __cfduid cookie to identify individual clients behind a shared IP address and apply security settings. This helps us to stop malicious traffic and spam across our site.

Persistent

1 year

Cloudflare

https://www.cloudflare.com/privacypolicy/

We also use the __cfruid cookie for our rate-limiting policies.

Cloudflare provides web optimisation and security services that we use to improve and protect our websites, including a reverse proxy, pass-through security service, and a content distribution network.

gid

This cookie helps us uniquely identify visitors so that new features on the site are consistently displayed each time they visit. Without this use, new features will not function correctly.

Persistent

1 year

No third parties involved

gid_tmp

This cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web.

Persistent

1 year

No third parties involved

JSESSIONID

The jsessionid cookie helps us to monitor the reliability of our service and manage login sessions by preserving user states across page requests.

Session

New relic

https://newrelic.com/termsandconditions/privacy

Oauth

The userToken, oauthToken cookies let us to authenticate each subsequent login request to our site by a customer.

Session

24 hours

No third parties involved

rc::c

We use the rc::c cookie to help us distinguish between humans and bots.

Session

Veriff

We use the #cid cookie to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie in order to keep us compliant with applicable EU laws and regulations.

Session

1 year

Veriff

https://www.veriff.com/privacy-policy

We use the cacheID to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie which helps us comply with EU laws andregulations.

Persistent

twCookieConsent

This is essential for letting us remember your choice of cookie consent.

Persistent

6 months

No third parties involved

twCookieConsentGTM

This is essential for letting us remember your choice of cookie consent.

Persistent

6 months

No third parties involved

selectedProfileID

We use the selected-profile-id-userid cookie to store the selected profile on your device.

Persistent

1 year

No third parties involves

Both frontend and backend services use the information stored in this cookie to determine which account is being used (if you have multiple accounts).

_mp_opt_in_out#

The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.

Persistent

N/A

Mixpanel

localeData

We use the localeData cookie to store your language preference and provide you with customised regional content. This helps us to show content translated into your preferred language, a key part of making our service accessible to an international audience.

Persistent

1 year

countryOfResidence

We use the countryOfResidence cookie to ensure that you’re only shown products which are available in your country.

Session

N/A

No third parties involved

signupToken

We use this cookie to allow customers to complete a signup if it's interrupted.

Session

N/A

No third parties involved

tw-ref

We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.

Persistent

1 month

No third parties involved

tw-ref-invite-source-code

We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.

Persistent

1 month

No third parties involved

tw-ref-user-id

We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.

Persistent

1 month

No third parties involved

tw-ref-user

tWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.

Persistent

1 month

No third parties involved

tw-ref-user-name

We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.

Persistent

1 month

No third parties involved

tw-coupon

This helps us to apply a discount for eligible customers.

Persistent

1 month

No third parties involved

accountDetailsReferralCode

This cookie allows us to modify the account details onboarding experience for users referred from known affiliates.

Session

N/A

No third parties involved

rate-alerts-token

We need the sessionStorage value to keep the user logged in to the Rate Alerts service, and to manage their saved rate alerts.

Session

N/A

No third parties involved

deviceTokenTW

This is a required token to keep your account safe.

Persistent

1 year

No third parties involved

appToken

We use the appToken cookie to identify which client is using Wise services.

Persistent

24 hours

No third parties involved

rememberedDevice

We use this cookie to record that a user has successfully logged in with SMS or app-based second factor authentication on the device previously, and we will only require first factor authentication (e.g. password) in order to login again on that same device for the next 90 days.

Persistent

90 days

No third parties involved

rememberThisDevice

We use this cookie to retain the user’s previous decision for the ‘Remember this device’ checkbox each time they login.

Persistent

1 year

No third parties involved

tell-me-more-banner

The purpose of this cookie is to let us remember your choice to not see banners on our website.

Persistent

90 days

No third parties involved

beta-banner

The purpose of this cookie is to let us remember your choice to not see banners on our website.

Persistent

90 days

No third parties involved

currency-converter-app-banner

The purpose of this cookie is to let us remember your choice to not see banners on our website.

Persistent

90 days

No third parties involved

switch-salary-banner

The purpose of this localStorage item is to remember your choice to not see banners on our website.

Persistent

N/A

No third parties involved

has-agreed-owners-disclaimer

The purpose of this cookie is to help us remember that you have accepted the disclaimer shown on https://wise.com/owners/.

Persistent

40 days

No third parties involved

interstitialDismissed

The purpose of this cookie is to help us decide if we should show you an interstitial modal on our home page.

Persistent

90 days

No third parties involved

get-paid-voting

The purpose of this localStorage item is to remember your choice to not see banners on our website.

Persistent

N/A

No third parties involved

Investis Digital

These cookies are associated with and managed by Amazon Web Services.

Persistent

1 day

Amazon Web Services

https://www.investisdigital.com/privacy-policy

AWSELB , AWSALB, AWSELBCORS, AWSALBCORS: These cookies enable us to allocate server traffic to ensure the user’s experience is consistent. A so-called load balancer is used to determine which server currently has the best availability.

AWSALBTG: This cookie helps us remember what server we allocated a user request to and to route subsequent requests to the same server.

AWSALBTGCORS: This cookie contains the same information as the AWSALBTG cookie plus a SameSite attribute.

ASP.NET_SessionId

ASP Dot Net uses this cookie to record the users current session between page requests.

Session

1 Session

ASP Dot Net, Investis Digital

https://www.investisdigital.com/privacy-policy

mymca-banner

The purpose of this cookie is to let us remember your choice to not see banners on our website.

Session

90 days

No third parties involved

COOKIES THAT GIVE YOU A BETTER BROWSING EXPERIENCE 

usr

This cookie stores a value that identifies you after logging in. It lets us deliver relevant content to you on our homepage.

Persistent

1 year

No third parties involved

hasClickedOnSignUpOrLogin

This lets us customise your experience so that it’s easier for you to log in, such as replacing the register button with a login button.

Persistent

90 days

No third parties involved

Test.cookie

We use the test.cookie to check if the user's browser supports cookies.

Persistent

1 day

Doubleclick.net

https://policies.google.com/technologies/ads?hl=en-US

rate-alerts-route

This localStorage value saves your most recent choice of currency to currency route on the rate alerts page.

Persistent

N/A

No third parties involved

profileType

This cookie is used to save the user profile type at Register page as a cookie to reuse it at on-boarding flows.

Session

1 Session

No third parties involved

COOKIES THAT HELP US IMPROVE OUR PRODUCTS

analytics

This cookie lets us see how you interact with our products in the backend. It contains information on your profile and whether or not you’ve registered in the past.

Session

1 session

No third parties involved

Google Analytics

The _gat and gat# cookies are installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites.

Session

1 minute

Google

https://support.google.com/analytics/answer/6004245

We use the _gid cookie to store information on how visitors use a website and helps in creating an analytics report of how the website is doing. The data includes the number of visitors, where they came from, and the pages visited in an anonymous form.

Persistent

1 day

We use _ga cookie to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors.

Persistent

2 years

We use the _dc_gtm_UA# to limit the number of requests that we make to Google Analytics.

Session

We use the collect cookie to see which devices and marketing channels you’re using. We send this information to Google Analytics to learn about your device and behaviour.

Session

HotJar

We use the _hjid cookie to see your behaviour for our own statistical and monitoring purposes.

Persistent

1 year

HotJar

https://www.hotjar.com/legal/policies/privacy

This cookie lets us identify which users have been randomly selected to take part in a sample to monitor those users’ behaviour on our site.

Hotjar also provides us with a heatmap of the site which allows us to monitor, for example, how far you’ve scrolled down a page and where you may have hovered.

With session and screen recording, we’re able to get more context for complicated problems — by observing users going through our flows in an uninterrupted manner, in their real life setting. This helps us identify subconscious thought patterns users have, which helps us pin-point where customers might struggle in our product.

We set the _hjClosedSurveyInvites cookie once a visitor interacts with a survey invitation modal popup. We use it to ensure that the same invite does not reappear if it has already been shown.

We set the _hjDonePolls cookie once a visitor completes a poll using the Feedback Poll widget. We use it to ensure that the same poll does not reappear if it has already been filled in.

We set the _hjMinimizedPolls cookie once a visitor minimises a Feedback Poll widget. We use it to ensure that the widget stays minimised when the visitor navigates through our site.

We set the _hjDoneTestersWidgets cookie once a visitor submits their information in the Recruit User Testers widget. We use it to ensure that the same form does not reappear if it has already been filled in.

We set the _hjIncludedInSample cookie to let Hotjar know whether that visitor is included in the sample, which lets us generate funnels.

We set the _hjShownFeedbackMessage cookie when a visitor minimizes or completes Incoming Feedback. We do this so that the form will be minimised immediately if they navigate to another page where it is set to show.

The _hjRecordingLastActivity cookie should be found in sessionStorage (as opposed to cookies). This gets updated when a visitor recording starts and when data is sent through the WebSocket (the visitor performs an action that Hotjar records).

We use the hjTLDTest cookie when the Hotjar script executes and we try to determine the most generic cookie path we should use, instead of the page hostname. We do this so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.

We use the _hjUserAttributesHash cookie as user attributes are sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.

The _hjCachedUserAttributes cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. These attributes will only be saved if the user interacts with a Hotjar Feedback tool.

iz_sd_ss and iz_uh_ps

We use the iz_sd_ss cookie to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process.

Session

1 year

Informizely

https://www.informizely.com/data-protection

We use the iz_uh_ps cookie to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site.

Persistent

Mixpanel

The mp_#_mixpanel cookie is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number.

Persistent

1 year

Mixpanel

https://mixpanel.com/legal/privacy-policy/

userSecurityData

The purpose of the userSecurityData cookie is to keep track of how many times we have shown a user the option to enable security features after they log in.

Persistent

N/A

No third parties involved

gid

This cookie is used to count unique visitors arriving on our website and measure usage of our products.

Persistent

1 year

No third parties involved

If you don’t want this cookie to persist and do not wish to be recognised as a return visitor, you can delete this cookie within your browser settings.

COOKIES THAT KEEP OUR MARKETING COSTS DOWN

Facebook

The fr, _fbp, _tr, AA003 and ATN cookies are used by Facebook to obtain encrypted data about visitors and users of our website for the purposes of measuring advertising effectiveness, showing relevant advertising to certain groups of users and excluding other groups of users from seeing irrelevant advertising.

Persistent

3 months

Facebook

https://en-gb.facebook.com/policy.php

For example, if a user registers on wise.com, the cookie will share with Facebook encrypted emails used to register with Wise in the form of a hash. If you have an account with Facebook, Facebook will be able to identify you as the same user on Facebook that has registered for Wise. If you don’t have an account, this hash renders useless, and as such ‘new’ information previously unknown to Facebook is not shared with Facebook.

In this example, we can measure the effectiveness of our Facebook advertising. It helps us understand how many users have registered with Wise via Facebook. This is important as it means we can make informed investment decisions about our advertising. This may help us contribute to our overall mission of reducing prices for customers over time.

This can also help us prevent advertising irrelevant content to users, e.g. advertisements encouraging users to sign up to Wise when they have already done so.

g_airpr_recent_visist

We use the g_airpr_recent_visit cookie to store data about visitors in order to match the unique identifier with visits to digital media outlets so we can understand the effectiveness of our communications.

Persistent

1 day

Onclusive

https://onclusive.com/legal/gdpr-dataprocessingaddendum/

Google Ads

We use the _gcl_au cookie to link Google advertisements to conversions made on our site. This cookie is also used by Google AdSense for experimenting with advertising efficiency across websites using their service.

Persistent

90 days

Google

The ads/ga-audiences cookie is used by Google Adwordsinorder to re-engage visitors based on their online behaviour across various websites.

Session

We use the NID cookie to assign a unique ID number to a returning user’s device. This unique ID number is used for targeting advertisements to the user.

Persistent

MUID and MUIDB

The MUID and MUIDB (bat.bing.com) cookies let us track users by synchronising the Microsoft User Identifier (MUID) across many domains and counting the number of valid clicks. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend.

Persistent

1 year

Microsoft

https://about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-click-measurement-description-of-methodology

Twitter

We use the personalization_id cookie to store data about visitors and users and measure advertising effectiveness, show relevant advertising and exclude irrelevant advertising.

Persistent, session

30 days

Twitter

Twitter Cookie Policy

The i/adsct cookie is used by Twitter to determine the number of visitors accessing the website through Twitter advertising content.

Yahoo

The B cookie lets us store data about a user in order to log conversions made from clicks on advertisements. In particular, this cookie enables us to collect statistical data related to the user's website visits, such as the number of visits, average time spent on a website and what pages have been loaded. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend.

Persistent

2 years

Yahoo

https://policies.yahoo.com/xa/en/yahoo/privacy/index.htm

The XB andpagead/conversion/1001035224 cookie is used by Yahoo to enable it to track Yahoo conversions.

Persistent / session

6 days

Snap

The sc_at cookie anonymously identifies device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.

Persistent

13 months

Snap

https://www.snap.com/en-GB/cookie-policy

Snap

The _sctr cookie lets us improve application functionality. The benefit of the cookie is to understand the effectiveness of partnering with Snap.

Persistent

7 days

Snap

https://www.snap.com/en-GB/cookie-policy

Snap

The _scid cookie lets us anonymously identify device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.

Persistent

13 months

Snap

https://www.snap.com/en-GB/cookie-policy

rdt_uuid

The purpose of the cookie is to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficiently

Persistent

90 days

No third parties involved

Quora Ads

The Quora cookie helps us to identify users who’ve seen Wise ads on Quora. This helps us to run our ads more efficiently.

Persistent, Session

90 days

Facebook, Twitter, LinkedIn, Google Analytics, Ad Services and Other Service Providers

https://www.quora.com/about/pixel_privacy

Podsights

The purpose of this cookie is to help us to link podcast listeners who were exposed to our audio ads with on-site conversions

Persistent

365 days

No third parties involved

https://podsights.com/privacy/

Amazon Ads

The purpose of the ad-id cookie is to help us track conversions that can be attributed to advertising on Amazon properties.

Persistent

9 months

No third parties involved

The purpose of the ad-privacy cookie is to store the opt-out status of a user, so no ads will be shown to them.

Persistent

The purpose of the sis-device-id cookie is to identify the browser you are using.

Persistent

Prospect Point Media

The purpose of the bpm_cookie and ppm_fpc cookies is to help us track conversions that can be attributed to advertising on Spotify and Pandora properties.

Persistent

1 year

Prospect Point Media, Beeswax

http://blisspointmedia.com/privacy; https://www.beeswax.com/privacy/

The bito and bitoIsSecure cookies are used by Prospect Point Media to enable it to augment listener data in order to evaluate and improve the effectiveness of the Ad Airings it purchases on our behalf.

Persistent

Speedcurve

Track real user performance metrics for our websites.

Session

30 Minutes

Speedcurve

https://speedcurve.readme.io/docs/data-protection-gdpr-compliance

The lux_uid cookie is used by Speedcurve to track real user performance metrics across our websites.

Session

gid

This cookie is used as a unique identifier to help measure the effectiveness of marketing campaigns, but only if you consent to cookies on wise.com.

Persistent

1 year

No third parties involved

SIMILAR TECHNOLOGIES

Facebook Integrations

We use the Facebook button on our website in order to link users to our Facebook profile. We may use Facebook's advertising services. In providing these services Facebook may collect certain information about our website visitors.

Facebook

https://developers.facebook.com/docs/facebook-pixel/implementation/gdpr/

Google AdWords

We may use Google's advertising services which may include re-marketing, re-engagement or similar audience features in Google Ads that would allow us to reach people who previously visited our website, and match the right people with the right message. Google may display ads about our website or our services when you are browsing other websites. In providing these services Google may collect certain information about our website visitors.

Google

https://policies.google.com/privacy

Youtube Integrations

We use Youtube to embed videos on our website. In providing this service Google may collect certain information about our website visitors.

Youtube

https://policies.google.com/privacy?hl=en&gl=uk

yt-player-* and yt-remote-* are session-based HTML storage keys that we use to manage the behaviour of the integrated YouTube video player.

THIRD PARTY COOKIES

Google Pay

We use Google Pay as a payment method on the website. In providing this service Google may collect certain information about our website visitors.

https://policies.google.com/privac