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Cancellation service #1 in Singapore
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I hereby notify you of my decision to terminate the contract relating to the Wise service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Wise: Easy Method
What is Wise
Overview
Wise is an international money transfer service that offers low-fee, multi-currency transfers and debit card products.
Its Singapore operations are regulated and designed for pay-for-use transfers rather than recurring consumer subscriptions.
Key characteristics
Personal Wise accounts in Singapore have no monthly subscription fee; you pay per transaction or for optional card services.
Customer funds are safeguarded separately and Wise acts as a payments provider rather than a deposit-taking bank.
How to cancel Wise
Cancel a personal Wise account
- There is no subscription to cancel for personal accounts in Singapore: to stop using Wise, simply stop initiating transfers and close unused balances.
- To close your account, request account closure via the Wise app or web account settings or contact Wise support through the app.
Cancel purchases made via app stores
- If you purchased paid features through Apple App Store or Google Play, cancel or manage that purchase directly in the respective app store.
- Wise cannot cancel or refund app-store subscriptions; follow Apple or Google processes similarly to other apps (see Wise guidance).
What happens when you cancel
Access to the service
Stopping use or closing your personal account removes your ability to initiate new transfers and to order new cards.
Existing transfers already sent to recipients will still be processed unless successfully cancelled before completion.
Data and records
Wise retains transaction records and identity verification data as required by regulation and for dispute resolution.
Before closing, export any statements or records you need; Wise keeps transaction history accessible per its policies.
Will I get a refund?
General refund policy
There is no automatic 14-day consumer cooling-off right for straightforward money transfers through Wise in Singapore.
Refunds depend on the transaction state and on merchant or payment scheme actions, not on a universal cancellation right.
Common refund scenarios and timing
- Pending (authorised but not completed) transactions may be reversed automatically; reversals can take around 8 - 30 days.
- If a merchant issues a refund, the returned amount typically reaches your Wise account within about 5 - 15 days.
- If a refund fails or a dispute is needed, Wise can help initiate a chargeback under Visa/Mastercard rules; chargebacks can take about 35 - 50 days.
Wise plans and pricing
Pricing scope
Below are the main personal and business prices and one-off fees for Singapore, as provided in official pricing data.
Prices shown are one-off or per-period fees; Wise operates a pay-for-use model rather than recurring personal subscriptions.
Price table
| Plan | Price | Period | Features |
|---|---|---|---|
| Personal Wise Account (open account) | S$0.00 | one-time | Creating a Wise personal account (free) - no subscription/monthly fees |
| Wise Debit Card (personal) | S$8.50 | one-time | Order a physical Wise debit card |
| Wise Virtual Card (personal) | S$0.00 | one-time | Create a virtual card |
| Express delivery (card) | From S$16.00 | one-time | Optional express delivery for physical card |
| ATM Withdrawals (personal) | Free up to 2 withdrawals up to S$350/month; thereafter S$1.50 per withdrawal + 1.75% over S$350 | monthly | Withdrawal fees for Wise debit card |
| Business Account Opening Fee | S$99.00 | one-time | Unlock full Wise Business account features |
| Business Debit Card (first cards) | S$0.00 | one-time | First Wise Business debit cards are free |
| Business Additional Cards | S$4.00 | one-time | Each additional Wise Business card (one-time fee) |
| Business ATM Withdrawals | Free up to 2 withdrawals up to S$350/month; thereafter S$1.50 per withdrawal + 1.75% of amount | monthly | Withdrawal fees for Wise Business accounts |
Your consumer rights in Singapore
Regulation and safeguards
Wise is regulated by the Monetary Authority of Singapore (MAS) as a payments institution and is required to safeguard customer funds.
Customer monies are held in separate safeguarding accounts with banks such as DBS and OCBC so they are not used in Wise’s operations.
Refund and dispute rights
Wise must comply with applicable consumer protection, payment scheme and chargeback rules when handling refunds and disputes.
There is no statutory 14-day cooling-off period for regular money transfers; refund outcomes depend on transaction state and merchant action.
Customer experiences
Positive feedback
- Many users praise Wise for fast transfers, with some payments completing within minutes in favourable corridors.
- Customers frequently highlight lower fees and clear pricing compared with traditional banks and a simple user interface.
Negative feedback
- Some users report sudden account freezes or closures after submitting identity documents, leading to delays in accessing funds.
- Complaints include slow or automated customer support, repeated document requests, and lengthy resolution times for refunds or frozen funds.
Documentation checklist
For account closure or support
- Valid government-issued photo ID (passport, NRIC/FIN) used for verification.
- Recent proof of address if requested (utility bill, bank statement) matching your account details.
For refund or dispute cases
- Transaction reference number and dates for the transfer in question.
- Receipts, merchant refund confirmation, or communication showing the merchant issued/refused a refund.
Common mistakes
Expecting a subscription-style cancellation
Many users mistakenly look for a "cancel subscription" option for personal accounts; Wise personal accounts have no recurring subscription fee.
If you stop using the service, stopping activity is effectively the cancellation for a free account.
Misunderstanding refund routes
Users sometimes expect an immediate refund or a guaranteed 14-day cooling-off period; transfers follow merchant and payment-scheme rules instead.
Also, purchases made through Apple or Google must be managed with those stores, not via Wise support.
Comparative recap
Quick comparison
| Service | How to cancel | Typical refund time | Notes |
|---|---|---|---|
| Wise (personal, Singapore) | Stop using service or request account closure via app/web | Depends on transaction state; reversals 8 - 30 days, merchant refunds 5 - 15 days | No personal subscription fees; pay-per-use model |
| App Store purchases (Apple / Google) | Cancel through Apple App Store or Google Play store | Managed by the app store or merchant; varies | Wise cannot cancel app-store purchases; follow store refund process |
| Merchant refunds / chargebacks | Request refund from merchant; if needed, initiate chargeback via card scheme | Merchant refunds ~5 - 15 days; chargebacks ~35 - 50 days | Chargebacks follow Visa/Mastercard rules and may take several weeks |
After cancelling
Practical steps
Export any needed statements or transaction history before closing your account.
Confirm closure in the app or by written confirmation from Wise support.
Helpful links
- Wise Singapore pricing
- Wise: Are you expecting a refund?
- Wise: App-store subscription guidance
- Wise: Is Wise safe in Singapore?
Address
Singapore physical address
Wise does not publish a specific physical address for cancellations in Singapore for consumer requests.
Cancellations and disputes are handled through the Wise website, app, or customer support channels.
How to contact
Use the Wise app or web support centre to request account closure, report problems, or start dispute procedures.
Keep documentation ready and refer to the links above for official pricing and refund guidance.