Personal Business Money transfer Multi-currency account Help Log in Register Cookies and Similar Technologies Policy Last Updated: 17 November 2021 Version Number: 2.5 Our Cookie Policy in German: https://wise.com/de/legal/cookie-policy Wise uses small files (known as cookies) to see how you use our site and products. We put them on your computer when you visit our site, and use them to recognise you and store information in between visits. With cookies we can give you a better browsing experience, improve the quality of our products, and keep our marketing costs down. They let us make it easier to log in, and they show us where you might be having trouble with our products. Without them, we’d have no way to remember anything about you, such as whether you’re logged in. In this policy, we’ve explained how and why we use cookies, and what each of them do. We’ve broken them down into four groups: Strictly necessary cookies. We need these cookies to run our website — they let us save your cookie preferences, and keep the site secure. They’re always on. Cookies that give you a better browsing experience. These let us tailor the site to your needs, like displaying it in the same language as your web browser. We’ll sometimes refer to them as functionality cookies. Cookies that help us improve our products. These let us use tools that show us how you interact with our products — Mixpanel, for example. They help us find and fix problems for our customers, and they’re also known as analytical or performance cookies. Cookies that keep our marketing costs down. These improve our marketing — helping us to spend less on sites like Google and Facebook, and more on charging as little as we can. When our costs go down, so do our prices. We share this information in aggregate form with third parties, for the purpose of advertising. You can see each cookie we use and our reasons for using them below. Technology Purpose Session or Persistent Lifespan Third Parties Privacy information STRICTLY NECESSARY COOKIES  Cloudflare We use the __cfduid cookie to identify individual clients behind a shared IP address and apply security settings. This helps us to stop malicious traffic and spam across our site. We also use the __cfruid cookie for our rate-limiting policies. Cloudflare provides web optimisation and security services that we use to improve and protect our websites, including a reverse proxy, pass-through security service, and a content distribution network. Persistent 1 year Cloudflare https://www.cloudflare.com/privacypolicy/ gid This cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web. Persistent 1 year No third parties involved gid_tmp This cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web. Persistent 1 year No third parties involved JSESSIONID The jsessionid cookie helps us to monitor the reliability of our service and manage login sessions by preserving user states across page requests. Session New relic https://newrelic.com/termsandconditions/privacy Oauth The userToken, oauthToken cookies let us to authenticate each subsequent login request to our site by a customer. Session 24 hours No third parties involved rc::c We use the rc::c cookie to help us distinguish between humans and bots. Session Veriff We use the #cid cookie to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie in order to keep us compliant with applicable EU laws and regulations. Session We use the cacheID to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie which helps us comply with EU laws andregulations. Persistent 1 year Veriff https://www.veriff.com/privacy-policy twCookieConsent This is essential for letting us remember your choice of cookie consent. Persistent 6 months No third parties involved  twCookieConsentGTM This is essential for letting us remember your choice of cookie consent. Persistent 6 months No third parties involved selectedProfileID We use the selected-profile-id-userid cookie to store the selected profile on your device. Both frontend and backend services use the information stored in this cookie to determine which account is being used (if you have multiple accounts). Persistent 1 year No third parties involves _mp_opt_in_out# The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel. Persistent N/A Mixpanel localeData We use the localeData cookie to store your language preference and provide you with customised regional content. This helps us to show content translated into your preferred language, a key part of making our service accessible to an international audience. Persistent 1 year countryOfResidence We use the countryOfResidence cookie to ensure that you’re only shown products which are available in your country. Session  N/A No third parties involved signupToken We use this cookie to allow customers to complete a signup if it's interrupted. Session  N/A No third parties involved tw-ref We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers. Persistent 1 month No third parties involved tw-ref-invite-source-code We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers. Persistent 1 month No third parties involved tw-ref-user-id We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers. Persistent 1 month No third parties involved tw-ref-user tWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers. Persistent 1 month No third parties involved tw-ref-user-name We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers. Persistent 1 month No third parties involved tw-coupon This helps us to apply a discount for eligible customers. Persistent 1 month No third parties involved accountDetailsReferralCode This cookie allows us to modify the account details onboarding experience for users referred from known affiliates. Session N/A No third parties involved rate-alerts-token We need the sessionStorage value to keep the user logged in to the Rate Alerts service, and to manage their saved rate alerts. Session N/A No third parties involved deviceTokenTW This is a required token to keep your account safe. Persistent 1 year No third parties involved appToken We use the appToken cookie to identify which client is using Wise services. Persistent 24 hours No third parties involved rememberedDevice We use this cookie to record that a user has successfully logged in with SMS or app-based second factor authentication on the device previously, and we will only require first factor authentication (e.g. password) in order to login again on that same device for the next 90 days. Persistent 90 days No third parties involved rememberThisDevice We use this cookie to retain the user’s previous decision for the ‘Remember this device’ checkbox each time they login. Persistent 1 year No third parties involved tell-me-more-banner The purpose of this cookie is to let us remember your choice to not see banners on our website. Persistent 90 days No third parties involved beta-banner The purpose of this cookie is to let us remember your choice to not see banners on our website. Persistent 90 days No third parties involved currency-converter-app-banner The purpose of this cookie is to let us remember your choice to not see banners on our website. Persistent 90 days No third parties involved switch-salary-banner The purpose of this localStorage item is to remember your choice to not see banners on our website. Persistent N/A No third parties involved has-agreed-owners-disclaimer The purpose of this cookie is to help us remember that you have accepted the disclaimer shown on https://wise.com/owners/. Persistent 40 days No third parties involved interstitialDismissed The purpose of this cookie is to help us decide if we should show you an interstitial modal on our home page. Persistent 90 days No third parties involved Investis Digital These cookies are associated with and managed by Amazon Web Services. AWSELB , AWSALB, AWSELBCORS, AWSALBCORS: These cookies enable us to allocate server traffic to ensure the user’s experience is consistent. A so-called load balancer is used to determine which server currently has the best availability. AWSALBTG: This cookie helps us remember what server we allocated a user request to and to route subsequent requests to the same server. AWSALBTGCORS: This cookie contains the same information as the AWSALBTG cookie plus a SameSite attribute. Persistent 1 day Amazon Web Services https://www.investisdigital.com/privacy-policy ASP.NET_SessionId ASP Dot Net uses this cookie to record the users current session between page requests. Session 1 Session ASP Dot Net, Investis Digital https://www.investisdigital.com/privacy-policy COOKIES THAT GIVE YOU A BETTER BROWSING EXPERIENCE  usr This cookie stores a value that identifies you after logging in. It lets us deliver relevant content to you on our homepage. Persistent 1 year No third parties involved hasClickedOnSignUpOrLogin This lets us customise your experience so that it’s easier for you to log in, such as replacing the register button with a login button. Persistent 90 days No third parties involved Test.cookie We use the test.cookie to check if the user's browser supports cookies. Persistent 1 day Doubleclick.net https://policies.google.com/technologies/ads?hl=en-US rate-alerts-route This localStorage value saves your most recent choice of currency to currency route on the rate alerts page. Persistent N/A No third parties involved profileType This cookie is used to save the user profile type at Register page as a cookie to reuse it at on-boarding flows. Session 1 Session No third parties involved COOKIES THAT HELP US IMPROVE OUR PRODUCTS  analytics This cookie lets us see how you interact with our products in the backend. It contains information on your profile and whether or not you’ve registered in the past. Session 1 session No third parties involved Google Analytics The _gat and gat# cookies are installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites. Session 1 minute We use the _gid cookie to store information on how visitors use a website and helps in creating an analytics report of how the website is doing. The data includes the number of visitors, where they came from, and the pages visited in an anonymous form. Persistent 1 day We use _ga cookie to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors. Persistent 2 years We use the _dc_gtm_UA# to limit the number of requests that we make to Google Analytics. Session We use the collect cookie to see which devices and marketing channels you’re using. We send this information to Google Analytics to learn about your device and behaviour. Session Google https://support.google.com/analytics/answer/6004245 HotJar We use the _hjid cookie to see your behaviour for our own statistical and monitoring purposes. This cookie lets us identify which users have been randomly selected to take part in a sample to monitor those users’ behaviour on our site. Hotjar also provides us with a heatmap of the site which allows us to monitor, for example, how far you’ve scrolled down a page and where you may have hovered. With session and screen recording, we’re able to get more context for complicated problems — by observing users going through our flows in an uninterrupted manner, in their real life setting. This helps us identify subconscious thought patterns users have, which helps us pin-point where customers might struggle in our product. We set the _hjClosedSurveyInvites cookie once a visitor interacts with a survey invitation modal popup. We use it to ensure that the same invite does not reappear if it has already been shown. We set the _hjDonePolls cookie once a visitor completes a poll using the Feedback Poll widget. We use it to ensure that the same poll does not reappear if it has already been filled in. We set the _hjMinimizedPolls cookie once a visitor minimises a Feedback Poll widget. We use it to ensure that the widget stays minimised when the visitor navigates through our site. We set the _hjDoneTestersWidgets cookie once a visitor submits their information in the Recruit User Testers widget. We use it to ensure that the same form does not reappear if it has already been filled in. We set the _hjIncludedInSample cookie to let Hotjar know whether that visitor is included in the sample, which lets us generate funnels. We set the _hjShownFeedbackMessage cookie when a visitor minimizes or completes Incoming Feedback. We do this so that the form will be minimised immediately if they navigate to another page where it is set to show. The _hjRecordingLastActivity cookie should be found in sessionStorage (as opposed to cookies). This gets updated when a visitor recording starts and when data is sent through the WebSocket (the visitor performs an action that Hotjar records). We use the hjTLDTest cookie when the Hotjar script executes and we try to determine the most generic cookie path we should use, instead of the page hostname. We do this so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed. We use the _hjUserAttributesHash cookie as user attributes are sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated. The _hjCachedUserAttributes cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. These attributes will only be saved if the user interacts with a Hotjar Feedback tool. Persistent 1 year HotJar https://www.hotjar.com/legal/policies/privacy iz_sd_ss and iz_uh_ps We use the iz_sd_ss cookie to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process. Session We use the iz_uh_ps cookie to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site. Persistent 1 year Informizely https://www.informizely.com/data-protection Mixpanel The mp_#_mixpanel cookie is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number. Persistent 1 year Mixpanel https://mixpanel.com/legal/privacy-policy/ userSecurityData The purpose of the userSecurityData cookie is to keep track of how many times we have shown a user the option to enable security features after they log in. Persistent N/A No third parties involved COOKIES THAT KEEP OUR MARKETING COSTS DOWN  Facebook The fr, _fbp, _tr, AA003 and ATN cookies are used by Facebook to obtain encrypted data about visitors and users of our website for the purposes of measuring advertising effectiveness, showing relevant advertising to certain groups of users and excluding other groups of users from seeing irrelevant advertising. For example, if a user registers on wise.com, the cookie will share with Facebook encrypted emails used to register with Wise in the form of a hash. If you have an account with Facebook, Facebook will be able to identify you as the same user on Facebook that has registered for Wise. If you don’t have an account, this hash renders useless, and as such ‘new’ information previously unknown to Facebook is not shared with Facebook. In this example, we can measure the effectiveness of our Facebook advertising. It helps us understand how many users have registered with Wise via Facebook. This is important as it means we can make informed investment decisions about our advertising. This may help us contribute to our overall mission of reducing prices for customers over time. This can also help us prevent advertising irrelevant content to users, e.g. advertisements encouraging users to sign up to Wise when they have already done so. Persistent 3 months Facebook https://en-gb.facebook.com/policy.php g_airpr_recent_visist We use the g_airpr_recent_visit cookie to store data about visitors in order to match the unique identifier with visits to digital media outlets so we can understand the effectiveness of our communications. Persistent 1 day Onclusive https://onclusive.com/legal/gdpr-dataprocessingaddendum/ Google Ads We use the _gcl_au cookie to link Google advertisements to conversions made on our site. This cookie is also used by Google AdSense for experimenting with advertising efficiency across websites using their service. Persistent The ads/ga-audiences cookie is used by Google Adwordsinorder to re-engage visitors based on their online behaviour across various websites. Session We use the NID cookie to assign a unique ID number to a returning user’s device. This unique ID number is used for targeting advertisements to the user. Persistent 90 days  Google MUID and MUIDB The MUID and MUIDB (bat.bing.com) cookies let us track users by synchronising the Microsoft User Identifier (MUID) across many domains and counting the number of valid clicks. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend. Persistent 1 year Microsoft https://about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-click-measurement-description-of-methodology Twitter We use the personalization_id cookie to store data about visitors and users and measure advertising effectiveness, show relevant advertising and exclude irrelevant advertising. The i/adsct cookie is used by Twitter to determine the number of visitors accessing the website through Twitter advertising content. Persistent, session 30 days Twitter Twitter Cookie Policy Yahoo The B cookie lets us store data about a user in order to log conversions made from clicks on advertisements. In particular, this cookie enables us to collect statistical data related to the user's website visits, such as the number of visits, average time spent on a website and what pages have been loaded. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend. Persistent 2 years The XB andpagead/conversion/1001035224 cookie is used by Yahoo to enable it to track Yahoo conversions. Persistent / session 6 days Yahoo https://policies.yahoo.com/xa/en/yahoo/privacy/index.htm Snap The sc_at cookie anonymously identifies device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap. Persistent 13 months Snap https://www.snap.com/en-GB/cookie-policy Snap The _sctr cookie lets us improve application functionality. The benefit of the cookie is to understand the effectiveness of partnering with Snap. Persistent 7 days Snap https://www.snap.com/en-GB/cookie-policy Snap The _scid cookie lets us anonymously identify device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap. Persistent 13 months Snap https://www.snap.com/en-GB/cookie-policy rdt_uuid The purpose of the cookie is to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficiently Persistent 90 days No third parties involved Quora Ads The Quora cookie helps us to identify users who’ve seen Wise ads on Quora. This helps us to run our ads more efficiently. Persistent, Session 90 days Facebook, Twitter, LinkedIn, Google Analytics, Ad Services and Other Service Providers https://www.quora.com/about/pixel_privacy Podsights The purpose of this cookie is to help us to link podcast listeners who were exposed to our audio ads with on-site conversions Persistent 365 days No third parties involved https://podsights.com/privacy/ Amazon Ads The purpose of the ad-id cookie is to help us track conversions that can be attributed to advertising on Amazon properties. Persistent The purpose of the ad-privacy cookie is to store the opt-out status of a user, so no ads will be shown to them. Persistent The purpose of the sis-device-id cookie is to identify the browser you are using. Persistent 9 months No third parties involved Prospect Point Media The purpose of the bpm_cookie and ppm_fpc cookies is to help us track conversions that can be attributed to advertising on Spotify and Pandora properties. Persistent The bito and bitoIsSecure cookies are used by Prospect Point Media to enable it to augment listener data in order to evaluate and improve the effectiveness of the Ad Airings it purchases on our behalf. Persistent 1 year Prospect Point Media, Beeswax http://blisspointmedia.com/privacy; https://www.beeswax.com/privacy/ SIMILAR TECHNOLOGIES  Facebook Integrations We use the Facebook button on our website in order to link users to our Facebook profile. We may use Facebook's advertising services. In providing these services Facebook may collect certain information about our website visitors. Facebook https://developers.facebook.com/docs/facebook-pixel/implementation/gdpr/ Google AdWords We may use Google's advertising services which may include re-marketing, re-engagement or similar audience features in Google Ads that would allow us to reach people who previously visited our website, and match the right people with the right message. Google may display ads about our website or our services when you are browsing other websites. In providing these services Google may collect certain information about our website visitors. Google https://policies.google.com/privacy Youtube Integrations We use Youtube to embed videos on our website. In providing this service Google may collect certain information about our website visitors. yt-player-* and yt-remote-* are session-based HTML storage keys that we use to manage the behaviour of the integrated YouTube video player. Youtube https://policies.google.com/privacy?hl=en&gl=uk THIRD PARTY COOKIES  Google Pay We use Google Pay as a payment method on the website. In providing this service Google may collect certain information about our website visitors. https://policies.google.com/privacy How to block cookies You can choose to block cookies by activating the settings on your browser that allow you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access parts of the website. Your browser settings also allow you to delete all cookies stored on your device whenever you wish. How to control cookies The UK Information Commissioner’s Office has provided the following guidance on controlling cookies: A number of websites provide detailed information on cookies, including AboutCookies.org and AllAboutCookies.org. The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks. Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the Chrome web store. Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome and Opera. For more information on how private browsing works as well as its limitations, visit the support pages for your browser: Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Safari (IOS mobile and desktop) and Opera. If you are concerned about online tracking then we can recommend you: Install a privacy-friendly browser on your device, such as Mozilla Firefox, Firefox Focus or Brave; Install anti-tracking and ad-blocking plug-ins on that browser, such as uBlock, Ghostery or PrivacyBadger; and Use privacy-friendly web search engines, such as DuckDuckGo or Qwant. If you have any questions about the cookies or similar technologies in use on our website, please send an email to privacy@wise.com. Company and team Company and team News and blog Press Careers Affiliates and partnerships Modern slavery statement Wise Business Investor relations Help and support Help centre Mid-market rate Learn more Send money abroad Swift/BIC codes Currency converter IBAN codes Rate alerts Compare exchange rates Security Follow us Legal Privacy policy Cookie Policy Country site map © Wise Payments Limited 2021 Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.