Wise User Statistics: Customers, Growth, and Key Trends (2026)

Wise served nearly 19 million customers in its 2026 financial year, making it one of the world’s largest cross-border money platforms. Its active customer base grew 21% to 18.9 million over the year, with 11.3 million active in the final quarter alone — and the company welcomes around 100,000 new customers every week.

What stands out is how steadily Wise turns that growth into scale and profit. It moved $243.5 billion across borders in FY2026 (up 31%), grew net revenue 19% to $2.5 billion, and completed a dual listing on the Nasdaq in May 2026 alongside its existing London listing.

Two numbers, two meanings

Wise reports customers in a few different ways, and the gap trips up a lot of stats pages. Customers served counts everyone who used Wise across a full financial year — about 19 million in FY2026 (18.9 million on an active basis). Quarterly active customers counts only those who made at least one cross-currency transaction in a single quarter — 11.3 million in the quarter ending March 2026.

So “Wise has 19 million users” and “Wise has 11.3 million users” are both correct — they just measure over a year versus a quarter. The quarterly figure is the one Wise leads with each quarter.

How fast is Wise growing?

Wise’s quarterly active customer base has grown steadily, up roughly 20–22% year over year. It reached 10.9 million in the quarter ending December 2025 and 11.3 million in the quarter ending March 2026 — while across the full year, active customers rose 21% to 18.9 million.

The pace is being driven less by marketing spend than by referrals — Wise says roughly 70% of customers join through word of mouth, and it adds about 100,000 new customers every week. That word-of-mouth engine is a big part of why growth has stayed near 20% even at this scale.

How many business customers does Wise have?

Wise Business had 572,000 active customers in the quarter ending March 2026, up 26% year over year, with business cross-border volume growing 35%. Business users are a smaller slice of the total customer base, but they tend to move larger sums and adopt more of the Wise account’s features.

How much money does Wise move?

Wise moved $243.5 billion across borders in FY2026, up 31%, driven by customer growth and wider adoption of the Wise account. Net revenue rose 19% to $2.5 billion, income before tax reached $660.4 million (a 26% margin), and customer holdings in the Wise account climbed 40% to $39.0 billion. (Wise now reports in US dollars following its 2026 Nasdaq listing.)

Wise customer numbers at a glance

Is Wise a bank?

No. Wise is a regulated payments and electronic-money institution, not a bank — it doesn’t hold a banking licence or offer deposit insurance such as FDIC cover. Instead, it keeps customer funds segregated from company assets. Customers can hold and move money in more than 40 currencies through the Wise account, and Wise recently launched a UK current account, but the underlying entity remains an e-money institution rather than a bank.

Key Wise facts in 2026

• Wise was founded in 2011 in London as TransferWise, and rebranded to Wise in 2021.
• It began trading on the Nasdaq in May 2026, while keeping its London Stock Exchange listing, and now reports in USD under US GAAP.
• Roughly 70% of customers join through word of mouth, and Wise’s net promoter score reached 69.
• About 74% of Wise transfers now arrive instantly, up from 65% a year earlier.
• Wise processed roughly $243.5 billion in cross-border volume in FY2026, saving customers an estimated $3 billion in fees.
• Customers can hold and move money in 40+ currencies through the Wise account.