We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1111 results
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Decision Reference DRN-6175828
24 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6175828 The complaint Mr B is unhappy that Wise Payments Limited, trading as Wise, has declined to reimburse the losses he incurred after making payments to a scam. A professional representative, R, brought the complaint to the Financial Ombudsman Service on Mr B’s behalf. What happ... (5 pages)View decision -
Decision Reference DRN-5903157
24 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5903157 The complaint Mr A is complaining about Wise Payments Limited because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr A fell victim to a cruel purchase scam after he didn’t receive goods he’d purchased online from what he believed to be a le... (3 pages)View decision -
Decision Reference DRN-5941616
23 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5941616 The complaint This complaint is about Wise Payments Limited not refunding money which Mr S lost in a scam. Ms X is representing Mr S under a power of attorney. What happened In summary, in 2025 Mr S was contacted by scammers, who said they could recover funds which he’d prev... (3 pages)View decision -
Decision Reference DRN-5718999
23 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5718999 The complaint Miss S is unhappy that Wise Payments Limited didn’t reimburse her for transactions she said she didn’t authorise and later closed her account. What happened On 17 February 2025 Miss S contacted Wise about a number of transactions she said she didn’t authorise.... (4 pages)View decision -
Decision Reference DRN-6167960
19 Feb 2026 Wise Payments Limited UpheldBanking and PaymentsDRN-6167960 The complaint Mr L complains that Wise Payments Limited won’t refund the money he lost to an investment scam. Mr L is represented in this complaint, but I’ll refer to him as it’s his complaint. What happened The detailed background to this complaint is well known to both pa... (7 pages)View decision -
Decision Reference DRN-6165688
19 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6165688 The complaint Mr S complained that Wise Payments Limited (Wise) has applied undisclosed foreign exchange conversion fees to his account. Mr S is also unhappy that he did not receive a response to his complaint. What happened Mr S has an account with Wise and on 7th August ... (2 pages)View decision -
Decision Reference DRN-6020219
16 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6020219 The complaint Mr B complains that Wise Payments Limited didn’t initiate chargebacks on some payments he has disputed and it has cancelled his debit card. What happened The circumstances surrounding Mr B’s complaint are well known to the parties, so I haven’t set them out in ... (3 pages)View decision -
Decision Reference DRN-5976327
14 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5976327 The complaint Mr S complains about how Wise Payments Limited dealt with a payment. What happened Mr S made a payment in around July 2025 for £1.50 using his Wise account card which was linked to an account he held with a different provider I will call “C”. He says the paymen... (2 pages)View decision -
Decision Reference DRN-6120698
11 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6120698 The complaint Ms L complains that Wise Payments Limited (trading as Wise) unfairly blocked her account and reduced her balance to zero, without providing a proper explanation which led to financial problems and caused her upset. Ms L is also unhappy about the service she rec... (4 pages)View decision -
Decision Reference DRN-6134302
11 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6134302 The complaint Ms P complains that Wise Payments Limited will not reimburse the funds she lost to a scam. What happened Ms P received a message on WhatsApp offering a remote job role. The role required Ms P to complete a set of tasks for which she would receive commission. Ms... (4 pages)View decision
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