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Top 10 Mistakes That Delay Wise Verification — and How to Fix Them
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Understand Wise’s Verification Tiers and Why They Exist
Wise uses a tiered verification system because financial regulation and anti-money-laundering (AML) rules require it. Different transaction volumes and features trigger different document requirements. Knowing this taxonomy — personal identity checks, proof of address, business verification — removes ambiguity. Expect identity verification for individual accounts, and additional corporate documentation for business or multi-user accounts. Comprehend the logic and you will navigate the process with equanimity.
Prepare the Correct Documents — down to the minutiae
Documents accepted by Wise are specific. A passport is typically the gold standard. National ID cards, driver’s licenses, and certain residency permits may also work. For proof of address, bank statements, utility bills, or government letters dated within the past three months are commonly required. Ensure document legibility: high-resolution scans, uncropped edges, and readable stamps. If your document contains transliterations or orthographic variants, include certified translations where necessary. Small errors — an unreadable corner, a partial page — are the most common cause of delays.
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Use Native-Language, High-Quality Scans — avoid smartphone blur
A crisp, machine-readable image shortens review time. If you photograph documents, use natural light, place them on a dark, flat surface, and steady your phone. Prefer the phone’s back camera and use the highest resolution. If you can, create PDF scans using dedicated scanning apps that auto-enhance contrast and straighten edges. Avoid compressed images or screenshots of screenshots — these often fail OCR checks.
Match Information Exactly — no room for deviation
Your legal name must match across all documents and the Wise profile. If you have accents, middle names, or name order differences across documents (e.g., surname-first conventions), add a brief explanatory note and, where applicable, a notarized affidavit. Consistency is paramount. Likewise, ensure address formatting matches the proof-of-address document — abbreviations, punctuation, and order can matter..
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Provide Context for Unusual Activity — be proactive
If your account shows unusual patterns — large transfers, inbound funds from multiple countries, or business-to-person activity — add context in the verification portal. Upload invoices, contracts, or payment purpose documentation. A short, cogent explanation can preempt manual reviews. Transparency reduces friction; ambiguity increases it.
Use Corporate Documentation Correctly for Business Accounts
Business accounts require an additional layer: proof of incorporation, director IDs, ownership declarations (typically for >25% beneficial owners), and proof of business address. Provide company registry extracts, Articles of Association, and recent board resolutions that authorize account access if needed. For sole traders, evidence of trading activity (invoices, receipts) helps. Any intermediary or third-party account usage must be explicitly documented.
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