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Wise fraud reporting routes

Fraudulent card payments, disputed transactions, account compromise, and phishing.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with Wise. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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Wise card-fraud workflow

Activity > transaction > Get help > fraudulent

Freeze the card, verify the merchant, report the transaction, and replace the card when directed.

Open official route
Source: Wise - Report a Fraudulent Card Payment

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Affected transaction

    Open the exact transaction and record date, amount, merchant descriptor, and status.

    Required by in-app workflow
  • Posted transaction status

    Ask user whether transaction is posted before routing to dispute.

    Required/recommended by Square
  • Merchant contact attempt

    Track whether merchant contact was attempted and result.

    Required/recommended by Square
  • List fraudulent payments

    Group disputed Square Debit Card payments where eligible.

    Required/recommended by Square
  • Transaction date, amount, merchant

    Collect before contacting issuer.

    Recommended by Citi
  • Transaction date

    Collect the posted transaction date.

    Have ready for dispute
  • Transaction amount

    Collect amount and currency.

    Have ready for dispute
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Prepaid/gift card receipts

    Preserve receipts, card packaging, card numbers/photos where safe, and redemption records; redact public outputs.

    Keep original
  • Recurring automated transactions

    For replacement accounts, preserve list of recurring debits/credits to rebuild payment access safely.

    Reference only
  • Posted transaction record

    Verify payment is posted and not pending/voided before filing Square Debit Card dispute.

    Copy acceptable
  • Automatic payment record

    Check automatic payments before filing; preserve merchant/contact information if relevant.

    Screenshot/export
  • Written/email confirmation of fraud report

    Citi PDF recommends using the word fraud and confirming in writing/email; preserve copy.

    Copy acceptable
  • Beneficiary bank/background information

    Prepare clear background details for beneficiary banks and others.

    Copy acceptable
  • Visa Fraud Affidavit

    Keep a complete copy of the signed affidavit and submission confirmation.

    Copy acceptable; retain original if required
Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source4
Wise - Report a Fraudulent Card PaymentCard freeze, merchant check, fraud claim and replacement · Verified in browserWise - Dispute a Card TransactionDispute evidence requirements · Verified in browserWise - Someone May Have Access to My AccountAccount compromise and evidence support · Verified in browserWise - Watch Out for PhishingPhishing reporting · Verified in browser

Other verified routes for Wise

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