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Wise以Open Banking支付

Open Banking is a secure and convenient way of topping up your Wise account or paying for your GBP or EUR transfers. It was initiated by the Competition and Markets Authority (CMA) in 2017.

Wise has two pay-in Open Banking options right now:

  • one-off payment

  • connecting your bank account for one or more payments to your Wise account.

How does it work?

We'll redirect you straight to your bank and you'll have all payment details pre-filled. If you connect your bank account to Wise you won’t be required to log in to the bank next time.

To make a one-off payment or to connect a bank account:

  1. Log in to your bank

  2. Select which account you want to use

  3. Click to confirm

How to use Open Banking for a one-off payment

  1. Select Bank transfer from the list of payment methods if you are paying in GBP, or Simple bank transfer if you are paying in EUR.

  2. Choose the bank you want to send the money from.

  3. Select Make a one-off payment and continue to your bank’s website.

  4. Log in to your internet banking.

    1. You may also need to complete 2-step verification (like entering a code sent to your phone or use a card-reader for your card to generate one-time code).

  5. Pick which account you’d like to pay from and click to confirm.

  6. That’s it—we’ll do the rest.

Your bank won’t share your log in details or any other information with Wise, you will simply send us a payment from your bank account in a secure and convenient way.

How to connect your bank to Wise via Open Banking

  1. Choose Add Money on your GBP balance.

  2. Select Bank transfer from the list of payment methods.

  3. Choose the bank with an account you want to connect. If you can’t see your bank in the list, it means that it doesn't offer this payment method.

  4. Edit the limits of the connection (optional).

  5. Click the Go to bank button.

  6. Log in to your internet banking.

    1. You may also need to complete 2-factor authentication (like entering a code sent to your phone or use a card-reader for your card to generate one-time code).

  7. Pick which account you’d like to connect and click to confirm.

  8. That’s it—you connected your account and now you can use it to add money to your Wise Account.

You can cancel this connection at any time in your Account Settings under Connected bank accounts.

Your bank won’t share your log in details, account statements or any other information with Wise. Every time you choose to pay from a connected account you will simply send us a payment from your bank account in a secure and convenient way.

Paying with a QR code

If you’re using the Wise mobile app, you will be automatically redirected to your banking app to confirm the payment. If you are using Wise from a web browser, you can use a QR code to be sent to your mobile banking app.

  1. After you have chosen your bank and clicked Go to bank, select the Pay with App tab.

  2. Scan the QR code using the camera of your smartphone.

  3. Your banking app will be automatically opened—log in as you normally would.

  4. Pick which account you’d like to pay from and click to pay.

  5. You also may be asked to log in to your Wise app to confirm the payment.

Limits to paying by Open Banking

Your bank will have a limit per online transaction, this differs per bank but it is typically between 10,000 - 50,000 GBP (or equivalent). Some banks also have additional daily limits. Always check with your bank what their limits are.

If you try to top up your Wise account or pay for a transfer and an amount is higher than your bank’s limit, Open Banking won’t be available. Instead, we will guide you towards the manual bank transfer option, where you will be given guidance of how to pay for your transfer.

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Wise以Open Banking支付 - 换汇网