Belgium · Payments & e-money
Wise Europe S.A
Legal name in the LEI recordWise Europe
Wise Europe SA is a Belgian société anonyme based in Brussels. The National Bank of Belgium (NBB) authorises it as a payment institution under the Law of 11 March 2018. It uses EEA passporting rights to serve customers across the European Economic Area. It is part of the Wise group, and Wise Group plc became the group's ultimate parent in May 2026. It provides the Wise account, international transfers and Visa debit cards to personal and business customers resident in the EEA. It was previously named TransferWise Europe SA.
Licences and registrations
Held by Wise Europe (LEI 699400U6W3SV7TR4TM73). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterNational Bank of BelgiumLinked by LEI. Matched by Elucidate to GLEIF on name and country only. | Payment institutionPayment Institution | 0713629988 | Belgium | Active | 2019-03-19 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TRWIBEB1XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of TRWIBEB1 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · VOP · TIPS
- Branch codes
- 1 branch code
- Other BIC with this LEI
- TRWIESM2
- BIC first registered
- 2019-02-02
- Last updated
- 2026-09-22
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Firm type
Money remittance
Trades as Wise
- Standing
- The firm is active. In August 2026 the National Bank of Belgium published administrative measures against it under the Belgian anti-money laundering law. The NBB set 31 January 2027 as the deadline for full compliance. The Brussels public prosecutor confirmed in June 2026 that a money laundering investigation into the firm was at an advanced stage.
- Ownership
- The firm belongs to the Wise group. Since May 2026 the group's ultimate parent has been Wise Group plc, a Jersey company listed on Nasdaq and the London Stock Exchange.
- Ultimate owner
- Wise Group plc, Jersey
- Head office
- Rue du Trône 100, bte 3, 1050 Brussels, Belgium
- Company register
- Crossroads Bank for Enterprises (KBO/BCE) 0713.629.988
- Founders
- Kristo Käärmann · Taavet Hinrikus
- Former name
- TransferWise Europe SA
Online
- Websites & references
- wise.com ↗
wise.com/owners ↗ group investor relations
status.wise.com ↗ service status page - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 16 pages consulted
- wise.com/p/imprint/
- wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region
- wise.com/help/articles/50VrYRVwHcsYeKzvWbjf3n/how-our-eu-entity-wise-europe-sa-safeguards-customer
- wise.com/documents/Wise%20letter%20to%20banks.pdf
- wise.com/
- nbb.be/fr/supervision-financiere/actualites/publication-de-la-decision-de-la-banque-nationale-de
- lb.lt/en/sfi-financial-market-participants/wise-europe-sa
- investegate.co.uk/announcement/rns/wise-class-a--wise/scheme-of-arrangement-becomes-effective/9560374
- otcmarkets.com/filing/html?id=19428569&guid=rnv-kHZNE9DYV3h
- crowdfundinsider.com/2026/09/305500-wise-europe-sa-publicly-identified-under-belgiums-anti-money-laundering-am
- lalibre.be/economie/entreprises-startup/2026/06/01/la-filiale-europeenne-de-wise-visee-par-une-enque
- bankingdive.com/news/wise-aml-investigation-europe/821721/
- thepaypers.com/fraud-and-fincrime/news/wise-faces-regulatory-scrutiny-over-anti-money-laundering-practic
- fsma.be/en/warnings/online-advertising-savings-products-very-enticing-returns-watch-out-scammers-
- wise.com/ie/blog/wise-card-is-debit-or-credit-ireland
- mesec.cz/aktuality/transferwise-meni-nazev-na-wise-cesti-zakaznici-se-ridi-belgickym-pravem/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The National Bank of Belgium authorises the firm as a payment institution under the Law of 11 March 2018. According to Wise, the licence is passported to 29 other EEA states. The firm also has a registered branch in Spain.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Belgium Belgium | Payment institution (Law of 11 March 2018); EBA register activities: money remittance, payment services, card acquiring | 0713629988 | In its own name | Active | wise.com ↗ |
| Banco de España Spain | Branch of an EEA payment institution (Wise Europe S.A., Sucursal en España), also registered with SEPBLAC | — | In its own name | Active | wise.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it safeguards customer funds separately from its own money. According to the firm, the funds are held as cash at JPMorgan Chase Bank, N.A. and in money market funds managed by BlackRock and State Street. They are not covered by the Belgian deposit guarantee scheme.
- Safeguarding bank
- JPMorgan Chase Bank, N.A. United States
- Safeguarding bank
- BlackRock (money market funds)
- Safeguarding bank
- State Street (money market funds)
- Payment schemes and card networks
- SEPA Credit Transfer Direct wise.com ↗
SEPA Instant Credit Transfer Direct wise.com ↗
SEPA Direct Debit Core Direct wise.com ↗
Visa Access not stated wise.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm provides Wise multi-currency accounts, international and domestic transfers and Visa debit cards to customers resident in the EEA.
The firm serves customers in Belgium and in 29 other EEA states under its passported Belgian licence. It has a branch in Madrid for customers resident in Spain.
- Payment volume
- USD 243bncross-border transactions processed in the financial year 2026 (group, 'over $243 billion')
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in 30 countries
- Belgium · Austria · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Iceland · Ireland · Italy · Latvia · Liechtenstein · Lithuania · Luxembourg · Malta · Netherlands · Norway · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Matthieu Deraedt Country manager
- Chair
- Kristo Käärmann Director, Chairman
- Executive
- Kingsley Kemish Director
- Executive
- Kathleen (Cassy) Ramsey Non-Executive Director
- Executive
- Xavier De Pauw Non-Executive Director
- Executive
- Wouter Dhont Non-Executive Director
Recent events 3 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The NBB published a decision imposing anti-money laundering administrative measures on the firm. It set 31 January 2027 as the compliance deadline.
nbb.be ↗ -
Investigation
The Brussels public prosecutor confirmed that its 2025 money laundering investigation into the firm was at an advanced stage.
lalibre.be ↗ -
Other
Wise Group plc became the group's ultimate parent. The group moved its primary listing from London to Nasdaq.
investegate.co.uk ↗ -
Enforcement
The Financial Times reported that the NBB required a remediation plan after finding missing proof-of-address records for many customers.
thepaypers.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Financial Services and Markets Authority (FSMA), Belgium
The FSMA warned that fraudsters were using the name Wise Europe with look-alike websites and email addresses to offer fake savings products.
fsma.be ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- TRWIBEB1XXX
- How the BIC breaks down
- TRWIBank
- BECountry · Belgium
- B1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 699400U6W3SV7TR4TM73
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 0713629988
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name and country only.
- Register-entry ID
- e76f62ffbd8c
- National bank code
- Bank identification code 903 + 2 more
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Payment services
- Card acquiring
- Licensed in
- Belgium
- Country · region
- Belgium · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- FL.3, RUE DU TRONE 100 BRUSSELS 1050 BELGIUM
- Operational address
- RUE DU TRONE 100 FLOOR FL.3 BRUSSELS 1050 BRUSSELS BELGIUM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>TRWIBEB1XXX</BICFI>
<LEI>699400U6W3SV7TR4TM73</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>TRWIBEB1XXX</BICFI>
<LEI>699400U6W3SV7TR4TM73</LEI>
<Nm>WISE EUROPE S.A</Nm>
<PstlAdr>
<TwnNm>BRUSSELS</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>FL.3, RUE DU TRONE 100 BRUSSELS 1050</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2019-06-04 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2019-06-04 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2019-10-07 | Head office | — |
| Verification of Payee | 2025-09-06 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Bank identification code · Belgium
3 codes file of 2026-09-01
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| 903 | TRWIBEB1 | Wise Europe SA |
| 905 | TRWIBEB1 | Wise Europe SA |
| 967 | TRWIBEB1 | Wise Europe SA |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| TRWIBEB1TIP | TIPS | Brussels | AVENUE LOUISE 54 ROOM S52 BRUSSELS 1050 BRUSSELS BELGIUM | — | 2026-09-22 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- National bank codes—Belgium (Source: National Bank of Belgium).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: wise.com (official website).
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