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Security report for wise.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. It serves both personal and business customers with transparent fees and competitive exchange rates, operating in over 160 countries and supporting 40+ currencies. The company is well-regulated by multiple financial authorities including the FCA, Estonian Financial Supervision Authority, and MAS, ensuring compliance and trustworthiness. Technically, the website is built on a modern Next.js framework, hosted on Cloudflare, and employs various analytics and marketing tools to optimize user experience and business insights. However, the current SSL configuration is invalid, which is a critical security concern that needs immediate remediation. The site implements strong security headers and 2-factor authentication but lacks some advanced SSL features like HSTS and OCSP stapling. Overall, Wise demonstrates a high level of professionalism, business credibility, and technical maturity, but must address its SSL issues to maintain trust and security.

Scanned

This is an earlier scan of wise.com. View the latest report

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

Need hands-on remediation? Email guard@offseq.com

Keep watching wise.com

This scan found 13 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention wise.com, from OffSeq Breach.

Total records
417,699
Employees
1
Customers
417,640
Third parties
58
Weak passwords
6%

Latest record dated 2026-05-27 · 11 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for wise.com.

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Masked preview

  • –wise.com2026-05-27

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Open in Breach(opens in a new tab)Monitor on Breach(opens in a new tab)

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 international money transfers and multi-currency financial services. Its business model leverages technology to reduce fees and improve transfer speeds, targeting both individual consumers and over 600,000 business clients globally. The company benefits from a robust regulatory framework across multiple jurisdictions, enhancing its competitive advantage. Its partnership ecosystem includes legacy brands like TransferWise and integration with major payment and banking networks. Growth indicators include a large user base (12.8 million users) and extensive currency and country coverage. Strategic observations highlight Wise's focus on transparency, customer trust, and continuous innovation in financial technology.

Security posture

Wise exhibits a mature security posture with dedicated fraud and security teams, use of 2-factor authentication, and secure handling of customer funds through established financial institutions. The presence of comprehensive security headers and a content security policy further strengthens its defenses. However, the invalid SSL certificate and lack of modern TLS protocol support represent significant vulnerabilities that could expose users to risks such as man-in-the-middle attacks. The absence of HSTS and OCSP stapling reduces the effectiveness of HTTPS protections. No critical vulnerabilities like exposed credentials or SQL injection were detected. Compliance with GDPR and other data protection regulations is evident, but incident response contact details are not publicly disclosed. Overall, the security posture is good but requires urgent SSL improvements.

Recommendations

  1. Immediately fix the SSL certificate to ensure valid HTTPS connections.
  2. Enable and enforce modern TLS protocols (TLS 1.2 and 1.3) for secure communications.
  3. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  4. Enable OCSP stapling to improve certificate status verification and reduce latency.
  5. Publish clear incident response and vulnerability disclosure policies including security contact channels.

Contact details published on the site

Addresses
Legal name
Wise Europe SA
Registration number
0713629988
Technical notes

Notes

The website is built using Next.js, a modern React-based framework, indicating a contemporary and scalable technical infrastructure. Hosting is provided by Cloudflare, offering performance and security benefits. The site uses multiple analytics and marketing tools such as Google Analytics, Mixpanel, Hotjar, and New Relic, enabling detailed user behavior tracking and performance monitoring. The site is mobile-optimized with responsive design and accessibility features. However, the SSL configuration is currently invalid, and no TLS protocols are enabled, which is a critical technical flaw. Performance data is not available, but the use of CDNs and preconnect hints suggests optimization efforts. The site employs a comprehensive Content Security Policy and other security headers, reflecting good security hygiene. Technical risks include the SSL issues and potential over-reliance on third-party tracking services.
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

Earlier scans of this domain

  1. 85/100Low18 findingsView report
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