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Security report for wise.com

Wise · Finance · Finland

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

85/100

Risk levelLow

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

Wise is a well-established fintech company specializing in international money transfers and multi-currency accounts. It serves millions of customers globally, offering low-cost, transparent, and fast cross-border payment services. The company is regulated by the National Bank of Belgium and operates with a strong emphasis on security and customer trust. The website reflects a mature digital presence with modern technologies and excellent user experience, targeting both personal and business users worldwide. Technically, the site is built on Next.js with React, hosted behind Cloudflare, and optimized for performance and accessibility. Security measures include HTTPS, multiple security headers, two-factor authentication, and dedicated fraud teams. Privacy compliance is robust with clear policies and consent mechanisms. Overall, Wise demonstrates a high level of business credibility, technical sophistication, and security maturity, making it a trustworthy platform for international financial transactions.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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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Recommended

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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
82
Security headers
65
Email security
87
DNS health
85
Network security
100
GDPR outside view
88
Average
85

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.

Select it in the checkout above.

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 leading fintech in international payments, leveraging a transparent fee structure and multi-currency accounts to attract individuals and businesses. Its business model focuses on technology-driven financial services, generating revenue from transfer fees and account services. The company targets global customers needing cost-effective currency exchange and payment solutions. Partnerships and integrations with global financial institutions enhance its service reliability. Growth indicators include millions of users and billions of euros transferred monthly. The website content and structure support its business goals by providing clear product information, regulatory disclosures, and customer support access.

Security posture

Wise exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and multi-factor authentication. The company maintains dedicated fraud and security teams and holds customer funds with established financial institutions, reducing risk exposure. However, the absence of a published security.txt and explicit incident response contacts suggests room for improvement in vulnerability disclosure and incident management transparency. No vulnerabilities or exposed sensitive data were detected in the website content. Compliance with GDPR is evident through privacy policies and cookie consent mechanisms. Overall, Wise's security practices align well with industry standards for fintech platforms.

Recommendations

  1. Enable DNSSEC to enhance domain name system security.
  2. Publish a security.txt file to facilitate responsible vulnerability disclosure.
  3. Provide explicit incident response contact information for security issues.
  4. Enhance transparency around data retention and processing policies.
  5. Regularly review and audit third-party scripts and libraries for security.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Wise
Description
Wise offers international money transfer services with low fees and multi-currency accounts, enabling users to send, spend, and receive money globally in multiple currencies.
Key services
Multi-currency accounts, International money transfers, Wise debit card, Business accounts, Interest earning on balances
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Video.js, YouTube iframe API, Cloudflare DNS
Frameworks
Next.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • 2-factor authentication
  • Dedicated fraud and security teams
  • Money held with established financial institutions

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is comprehensive, professional, and well-structured.
  3. Strong security posture with HTTPS and security headers.
  4. Good privacy and cookie policies with consent mechanisms.
  5. Clear business information and trust indicators present.
  6. Use of modern web technologies and frameworks.
  7. No suspicious or malicious content detected.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, ensuring a responsive and performant user experience. Hosting and DNS are managed via Cloudflare, providing robust infrastructure and security benefits. The site includes rich metadata, Open Graph tags, and JSON-LD structured data for SEO and social media integration. Performance is optimized with preloading of fonts and assets, and accessibility features are implemented. The technical implementation supports the business model effectively, though continuous monitoring of third-party dependencies is recommended to mitigate potential 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

Earlier scans of this domain

  1. 68/100Medium18 findingsView report
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