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Security report for transferwise.com

Wise · Finance · Finland

Medium risk. 2 critical or high findings in Security headers and GDPR outside view.

Security score

68/100

Risk levelMedium

0–100, higher is better. How it is calculated

Wise is a leading global fintech company specializing in international money transfers, multi-currency accounts, and investment services. The company operates with a strong regulatory framework across multiple jurisdictions including Belgium, Estonia, Singapore, Australia, Canada, Malaysia, Japan, and Hong Kong. Its platform supports a wide range of currencies and payment methods, serving both personal and business customers worldwide. The website reflects a mature digital presence with comprehensive content, clear navigation, and extensive use of modern web technologies. However, a critical security issue is present due to an invalid SSL certificate and lack of modern TLS protocols, which significantly impacts the security posture. Despite this, the company demonstrates strong compliance with privacy regulations and maintains transparent advertising and analytics practices.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
50
Security headers
65
Email security
50
DNS health
85
Network security
100
GDPR outside view
58
Average
68

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Wise holds a strong market position as a transparent and cost-effective alternative to traditional banks for cross-border payments. Its business model leverages technology to reduce fees and improve transfer speeds, targeting individuals, expatriates, and businesses with global financial needs. The company benefits from a broad partnership ecosystem and regulatory approvals that enhance trust and credibility. Its revenue streams include transfer fees, card services, and investment products. The platform's extensive currency and country coverage, along with a high volume of active users and positive customer reviews, indicate robust growth and market acceptance.

Security posture

The current security posture shows strengths in dedicated fraud teams, 2-factor authentication, and regulatory compliance. However, the absence of a valid SSL certificate and disabled TLS protocols are critical vulnerabilities that expose users to potential risks such as data interception and man-in-the-middle attacks. The website implements several security headers and a content security policy, but improvements are needed in SSL configuration, session management, and certificate transparency to meet best practices. No evidence of incident response contacts or vulnerability disclosure programs was found, which could be enhanced to improve security readiness.

Recommendations

  1. Urgently renew and properly configure SSL certificates to enable HTTPS and modern TLS protocols.
  2. Implement HSTS with includeSubDomains and preload to enforce secure connections.
  3. Enable OCSP stapling and session resumption to improve security and performance.
  4. Establish and publish a vulnerability disclosure policy and incident response contact information.
  5. Enhance transparency around data retention policies and provide clearer DPO contact details.

Contact details published on the site

Addresses
Legal name
Wise Europe SA
Registration number
0713629988
Technical notes

Notes

The website is built on a modern tech stack using Next.js and React, hosted behind Cloudflare for performance and security. It integrates multiple analytics and marketing tools including Google Analytics, Mixpanel, Hotjar, and New Relic. The site is well-optimized for mobile devices and accessibility, with comprehensive SEO metadata and structured data (JSON-LD) for organization and social profiles. Performance metrics are moderate, with room for improvement in load times. The extensive use of external domains for content delivery and tracking is managed with a strict content security policy. Technical debt appears low, but the critical SSL issues pose operational risks.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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