Wise Group PLC
What Do They Do?
Builds payment services for individuals and businesses, and helps banks and other financial companies offer international payments to their customers.
20-F for FY2026, filed Jun 25, 2026We market our services through three product offerings: Wise Account for personal customers, Wise Business for small and medium-sized…View ↗
Wise Account is our solution for individual customers to send, spend, hold and get paid in one or more currencies. One of the features of…View ↗
Wise Platform makes it faster and easier for banks, financial institutions and enterprises around the world to provide their customers with…View ↗
By integrating with Wise, these banks, financial institutions and enterprises, which we refer to as our Wise Platform partners, can…View ↗
How Do They Make Money?
People and businesses pay transfer or currency-conversion fees when funds reach recipients or balances change currency. Card revenue comes from usage and interchange fees when a card transaction is processed; other revenue includes same-currency transfers, business account and Wise Assets fees, charged on completion, over service periods or daily based on asset balances.
20-F for FY2026, filed Jun 25, 2026A customer enters into a contract with the Group at the time of opening a customer account or initiating a money transfer. The customer…View ↗
Card revenue refers to debit card services and mainly comprises interchange fees and card usage fees.View ↗
F-18 for card usage fees is the customer’s use of the card to make a purchase or pay for a service in the desired currency. The performance…View ↗
Revenue earned from the of customer account balances or transfers to recipients in the same currencies. The revenue is recognized on…View ↗
fee charged to Wise business customers in certain regions for setting up an account or to obtain local account details. The customer enters…View ↗
Revenue from the multi-currency investment feature called Wise Assets, that customers can hold, buy and sell units. The customer enters…View ↗
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20-F for FY2026, filed Jun 25, 2026
FY2026 revenue by product or service ↗
$1.9B
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20-F for FY2026, filed Jun 25, 2026
$1.9B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Cross Border Sevices
Sold outright
20-F for FY2026, filed Jun 25, 2026 |
66% |
Cross Border Sevices, FY2026
$1.3B Sources
|
Sold outright |
|
Card Services
Usage-based
20-F for FY2026, filed Jun 25, 2026 |
21% |
Card Services, FY2026
$391.6M Sources
|
Usage-based |
|
Other Services
|
13% |
Other Services, FY2026
$245M Sources
|
Who Are Their Customers?
Individuals and businesses use Wise Account and Wise Business directly, while banks, financial institutions and enterprises integrate Wise Platform to offer services to their own customers.
20-F for FY2026, filed Jun 25, 2026We market our services through three product offerings: Wise Account for personal customers, Wise Business for small and medium-sized…View ↗
Wise Account is our solution for individual customers to send, spend, hold and get paid in one or more currencies. One of the features of…View ↗
Wise Platform makes it faster and easier for banks, financial institutions and enterprises around the world to provide their customers with…View ↗
By integrating with Wise, these banks, financial institutions and enterprises, which we refer to as our Wise Platform partners, can…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 26 cents of every revenue dollar as net income in FY2026 and turned 398 cents into free cash flow.
20-F for FY2026, filed Jun 25, 2026
$590.7MView ↗
20-F for FY2026, filed Jun 25, 2026
$498.7MView ↗
20-F for FY2026, filed Jun 25, 2026
$7.5BView ↗
How Are They Changing?
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