Wise — London-headquartered LSE-listed money-transfer specialist (Wise plc), regulated as an EMI by the FCA in the UK and the National Bank of Belgium for the EEA.
- HQ
- London
- Customers
- 16M+ personal and business
- Connection
- Open banking (read-only)
Multi-currency balances
Every currency you hold in Wise shows as a distinct balance and is rolled into your home-currency net-worth using the live mid-market rate.
Wise debit-card spend
Wise debit-card transactions are auto-categorised on the same taxonomy as your other banks. FX-fee components are surfaced separately so the true cost of cross-currency spend is visible.
Recurring transfers
Recurring outbound and inbound Wise transfers are detected, with the recipient name surfaced for clean reporting.
Local account details
UK sort-codes, EUR IBANs and US ACH details that Wise issues you are surfaced under one connection so inflows from each receiving rail are visible together.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Not yet supportedEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Not yet supportedJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Amazon
- Booking.com
- Airbnb
- Apple
- Stripe
- Shopify
Detected subscriptions
- Netflix
- Spotify
- GitHub
- Notion
- ChatGPT
- Adobe Creative Cloud
- What is my non-GBP currency exposure across Wise and my UK current account?
- How much did I pay in Wise FX fees last quarter, net of mid-market savings?
- List every active recurring transfer on my Wise account.
- How much have I received into my Wise EUR account year to date?
- Bank
Revolut
Pan-European neobank with a Lithuanian banking licence; multi-currency pockets surfaced in Bank AI.
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Monzo
UK challenger bank with FCA / PRA authorisation; Pots and salary surfaced in Bank AI.
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Starling Bank
UK challenger bank with personal, joint, business and EUR accounts; surfaced in Bank AI.
→ - Country
🇬🇧 United Kingdom
The UK runs the most-mature Open Banking regime in the world, mandated by the CMA in 2017 and implemented by the Open Banking Implementation Entity. CMA-9 banks are required to offer free access to account data via standardised APIs.
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Is Wise a bank?
Wise is an Electronic Money Institution, not a deposit-taking bank. Customer balances are held in segregated accounts at major banks; the FCA (UK) and National Bank of Belgium (EEA) supervise. Bank AI surfaces Wise balances alongside your bank deposits without conflating them.
Does Bank AI move money on my Wise account?
No. Bank AI is read-only by design. FX conversions and transfers continue to happen inside the Wise app. Bank AI surfaces balances, transactions and spend totals; every action remains in Wise.
Are my Wise multi-currency balances surfaced separately?
Yes. Every currency you hold in Wise is read as a distinct balance. Each one is rolled into your home-currency net-worth using the live mid-market rate, but the per-currency view is always available.
Does Bank AI surface my Wise local-account details?
Yes - UK sort-codes, EUR IBANs and US ACH details that Wise issues you are surfaced under one Wise connection. Inflows received on each rail are visible together so contractor invoices, salary and reimbursements are easy to track.
What happens if Wise raises a connectivity error?
Open-banking connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Wise-side maintenance window. Bank AI shows a clear status pill and prompts you to re-authenticate without losing any of your data.
Is my Wise data stored outside the EU?
No. Bank AI processes account data in EU regions by default, with AES-256 encryption and EU-region key management. Wise itself remains the custodian of your balances; Bank AI never holds your money.
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