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-5597594
22 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5597594 The complaint Ms H complains that Wise Payments Limited (‘Wise’) won’t refund money she lost as part of a scam. Ms H is represented in this matter, but for ease of reading I have referred to Ms H throughout this decision. What happened The background to this complaint is wel... (4 pages)View decision -
Decision Reference DRN-6008670
19 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-6008670 The complaint Mr K complains that Wise Payments Limited will not reimburse funds he said he lost to an investment scam. Mr K is professionally represented, for ease I have only referred to Mr K in this decision. What happened In summary Mr K said he decided to invest in spor... (2 pages)View decision -
Decision Reference DRN-6027833
19 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-6027833 The complaint Mr J complains that a payment which he requested Wise Payments Limited to return has not been received. What happened In July 2025 Mr J received a payment of €1,057 into his Wise account. However he immediately asked Wise to cancel the transaction and to return... (2 pages)View decision -
Decision Reference DRN-6033252
19 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-6033252 The complaint Ms A is complaining that Wise Payments Limited hasn’t refunded payments she says she didn’t make. What happened The circumstances of the complaint are known to both parties, so I’ll only summarise them here. In August 2024 Ms A was contacted by someone (the sc... (4 pages)View decision -
Decision Reference DRN-5773922
18 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5773922 The complaint Mr A complains that Wise Payments Limited (Wise) is refusing to refund him the amount he lost as the result of a scam. Mr A is being represented by a third party. To keep things simple, I will refer to Mr A throughout my decision. What happened The background o... (3 pages)View decision -
Decision Reference DRN-5602564
17 Dec 2025 Wise Payments Limited UpheldBanking and PaymentsDRN-5602564 The complaint Mrs P complains Wise Payments Limited trading as Wise (“Wise”) hasn’t refunded funds she lost as the result of a scam. What happened Both parties are familiar with the circumstances of the complaint, so I’ll only summarise the key details here. Mrs P said she... (3 pages)View decision -
Decision Reference DRN-5907608
17 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5907608 The complaint Mr D has complained Wise Payments Limited, trading as Wise, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr D opened an account with Wise in November 2024. After receiving a report from another bank about a fra... (3 pages)View decision -
Decision Reference DRN-6023836
16 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-6023836 The complaint Mr S is unhappy because Wise Payments Limited wouldn’t refund payments which he says were sent to a scam. What happened On 8 May 2024, Mr S opened an account with Wise. On 8 and 9 May, he made four payments into his new Wise account from UK banks. He also made... (6 pages)View decision -
Decision Reference DRN-5960302
15 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5960302 The complaint Mr W has complained that Wise Payments Limited won’t refund the money he lost after falling victim to a scam. What happened In summary, in 2022 Mr W found a cryptocurrency investment scheme, which unfortunately was a scam. The scammer offered to invest and trad... (3 pages)View decision -
Decision Reference DRN-5813718
15 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5813718 The complaint Mr O has complained Wise Payments Limited, trading as Wise, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr O found that there was a CIFAS marker in his name which had been lodged by Wise in 2025. He opened an ... (2 pages)View decision