name: Contacting customer support for transaction issues

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screenKeywords:
< Back
Done!
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We have successfully received your dispute.
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|When did you contact them?
DD
Month v
YYYY
What did the merchant say when you contacted them?
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Tell us more about the dispute
If you haven't already:
 Let the merchant know the goods are
available for pickup or they can send a
return shipping label.
S —
|When did you contact them?

12

August v

2022

What did the merchant say when you contacted them?
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Having trouble with a card
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Fill out the form and give as much detail as
possible.
We'll review your information to see if your
dispute is eligible for a chargeback. We'll email
you once we're done.
We might ask for more information too. If we
do, please get back to us as soon as possible.
Merchants might cancel or block their services
when we file a chargeback.
By completing this form, you agree that:
« All the information given is true and correct, to
the best of your knowledge;
- Wise may share any relevant information about
false reports to law enforcement agencies.
Read more about the chargeback process.
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Having trouble with a card
transaction?

Fill out the form and give as much detail as

possible.

We'll review your information to see if your

dispute is eligible for a chargeback. We'll email

you once we're done.

We might ask for more information too. If we

do, please get back to us as soon as possible.

Merchants might cancel or block their services

when we file a chargeback.

By completing this form, you agree that:

« All the information given is true and correct, to

the best of your knowledge;

« Wise may share any relevant information about

false reports to law enforcement agencies.
S —
|< Back
There's a problem with the
goods or service | ordered
| never got the goods or service | ordered
Choose this if the order was cancelled or never >
arrived
Something is wrong with the goods or N
service | ordered
| think there might be an issue with the
merchant N
Choose this if you haven't heard from the
merchant, or have found scam reviews
S —
|< Back
What kind of problem did you
have with these transactions?
| didn't receive the money from the ATM
or cash machine
Choose this if the ATM did not dispense the
money or gave you less than expected
| was charged the wrong amount or
currency
Choose this if you were overcharged or the
payment was in a different currency than you
were expecting
There's a problem with the goods or
service | ordered
Choose this if the goods or service never
arrived, or if the product was defective or
different from what you expected
| got an unexpected charge from a
merchant
Choose this for subscription charges, when
you've paid twice for one purchase, or when
you know the merchant from a past
transaction but aren't sure why they charged
you
S —
|12:00 41

service | ordered

Choose this if the goods or service never @

arrived, or if the product was defective or

different from what you expected

| got an unexpected charge from a

merchant

Choose this for subscription charges, when

you've paid twice for one purchase, or when

you know the merchant from a past

transaction but aren't sure why they charged

you

| haven't received the refund

Choose this when you've been promised a

refund and it hasn't arrived

| did not make, authorize, or participate in o

this transaction

A We are experiencing higher than
normal volumes and it could take up to
31 business days to review your
dispute. We will get back to you as
soon as we can. Thanks for your
patience.
|12:00 V4l
&
Help
8

1.24 EUR

Rossmann 1700
Select an issue
This purchase was not complete >
| was charged too much/multiple times >
| didn't get the goods/services | paid for >
| don't recognise this >
Something else >

S —
|< Back

Something is wrong with the
goods or service | ordered

What did you order?

Test

Merchant website, if available

Test

What did you receive?

What's wrong with it?

> Test Testing Rest $
1 2 3 4 5 6 7 .8 9 0

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a s d f g h j k |
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|Description of what was wrong and how it was
different
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Drag and drop a PNG, JPG or PDF file,
less than 5MB
@ If you haven't already contacted the
merchant, please reach out to them
with the unique Acquirer Reference
Number 25482851311317228350130 for
this transaction to help them locate
the transaction more quickly. You can
then send us your correspondence.
S —
|< Back
What kind of problem did you
have with these transactions?
| didn't receive the money from the ATM
or cash machine
Choose this if the ATM did not dispense the
money or gave you less than expected
| was charged the wrong amount or
currency
Choose this if you were overcharged or the
payment was in a different currency than you
were expecting
There's a problem with the goods or
service | ordered
Choose this if the goods or service never @
arrived, or if the product was defective or
different from what you expected
| got an unexpected charge from a
merchant
Choose this for subscription charges, when
you've paid twice for one purchase, or when
you know the merchant from a past
transaction but aren't sure why they charged
you
S —
|11 July 2022
Cafe Rang Xay Hoi An
Spent 45000 VND - #359996399
Mastercard ending in
8 July 2022
4 June 2022
Starhub Prepaid
Spent 10.0 SGD - #327838973 O
Mastercard ending in
7 November 2021
Toogoodtog 2pi5Ic8r5p5
Spent 3.0 EUR - #204819596
Mastercard ending in
Rossmann 1700
Spent 1.24 EUR - #204769470
Mastercard ending in
S —
|12:00 P41
< Which transaction do you need ...
November 8th, 2021

4 Toogoodtog 2pi5Ic8r5p5 3 EUR
Spent
November 7th, 2021
Rossmann 1700 1.24 EUR
8
Spent
November 6th, 2021
b Lidl Dienstleistung 3.85 EUR
Spent
rﬁ- Berliner Volksbank Eg 190 EUR
Withdrawn
S —
|12:00 P41
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Which transaction do
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Today
1USD
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/]\ Sent 1.54 SGD
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Yesterday
Mot To your GBP account 1GBP
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1SGD
/]\ Sent 1.54 SGD
S —
|11 July 2022
Cafe Rang Xay Hoi An
Spent 45000 VND - #359996399
Mastercard ending in

8 July 2022

4 June 2022
Starhub Prepaid
Spent 10.0 SGD - #327838973
Mastercard ending in

7 November 2021
Toogoodtog 2pi5Ic8r5p5
Spent 3.0 EUR - #204819596
Mastercard ending in
Rossmann 1700
Spent 1.24 EUR - #204769470 @
Mastercard ending in

Clear selection Continue
|12:00 V41
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S —
|30 July 2022

11 July 2022
Cafe Rang Xay Hoi An
Spent 45000 VND - #359996399
Mastercard ending in

8 July 2022

4 June 2022
Starhub Prepaid
Spent 10.0 SGD - #327838973
Mastercard ending in

7 November 2021
Toogoodtog 2pi5Ic8r5p5
Spent 3.0 EUR - #204819596
Mastercard ending in
| p PRSPRSUREE b VaVa
S —
|12:00 V4l
é
° [
| didn't get the goods/
services | paid for
If you haven't gotten the goods/services you paid
for, you'll need to contact the merchant.
| haven't heard from the merchant, what can |
do?
Then, if you haven't gotten your refund and it's
been longer than 10 days please submit a dispute
so our team can help you.
Please bear in mind that that chargeback is the
last resort to get your money back and it can
take some time for Visa or Mastercard to issue
their decision
Submit a dispute
| still need help
S —
|When did you contact them?
12
August v
2022
What did the merchant say when you contacted them?
©)
Tell us more about the dispute
If you haven't already:
 Let the merchant know the goods are
available for pickup or they can send a
return shipping label.
S —
|< Back
Something is wrong with the
goods or service | ordered
What did you order?
Merchant website, if available
What did you receive?
What's wrong with it?
| have returned the item already.
How did you contact the merchant?
v
S e—


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|12:00 V4l
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|12:00 4l
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|12:00 V41
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|12:00 V4l
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Rating an order

appName: DoorDash

appCategory: Food & Drink

appTagline: Food & groceries, delivered

companyHqRegion: US & Canada

companyStage: Public & Mature

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1x Natural-Cut French Fries
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1226 University Dr1220
Menlo Park, CA 94025, USA
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|12:00 P41
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|12:00 P41
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|12:00 P41
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Settings

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|9:41 all F @)
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|9:41 all F @)
Spending
Sep Oct Nov Dec Jan Feb Mar Apr
4.18 USD 232.62 USD
Avg monthly spend @ Spent this month
Cash 219.79 USD
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Bl BDT Bangladeshi Taka
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5.77 SGD 314.02 SGD
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|12:00 V41
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|12:00 41
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|12:00 4l

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Sending money using Wise account

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to someone you know and trust, and that their
information is correct. Fraudulent transactions may
result in the loss of money with no recourse.
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approve this transfer

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safe. Learn more

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Spent - Jul 11th


Sending money

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screenPatterns: Checkout Pricing

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Acknowledgement & Success
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|9:41 llll ? @'
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|9:41 all ¥ @
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|9:41 -Ill ? @'
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How to send your money
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m Manually transfer the money to Wise N
using your bank. Should arrive in
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Logging in

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|9:41 all T @
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Trusted by over 10 million customers.

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Gift cards

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12:00 P41
= DOORDASH w 0
USD gift cards are only validin the U.S.

Select delivery option
Send by email Send by mail
message

Other details
Recipient Name
Recipient Email
Gift Message 150 characters remaining
Sender Name
Send Date

29-09-2022
|12:00 V4l
< Gift Cards
Connect your favorite people with their favorites
—from noodles to nachos. Customize and buy Gift
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next order.
|12:00 V4l
¥ DOORDASH )]
@ United States-USD$ - English (US)

Learn more about DoorDash Gift Cards
¢ Give the gift of delivery with a DoorDash gift card. The
DoorDash app connects your favorite people with the
best of their neighborhood, including restaurants,
convenience stores, grocery stores, pet supplies and
more. Choose from more than 310,000 local and national
restaurants and stores across 4,000 cities in the US.
Giving the gift of delivery allows your loved ones to have
easier evenings, happier days, and more time to enjoy the
people and things they love.
¢ A huge selection fulfilling all your needs - food and more!
e Easy ordering & real-time tracking
e Customize yourorders
¢ Pickup & group order options
Terms and Conditions
Your Gift Card is redeemable towards eligible orders
www.doordash.com in the DoorDash app in the United
States. Gift Cards are made available and provided by
DoorDash Giftcards LLC. Gift Cards are not redeemable for
cash except when required by applicable law. For more
information on the Gift Card Terms and Conditions, please
visit help.doordash.com/consumers/s/article/DoorDash-Gif
t-Cards-Terms and also help.doordash.com/consumers/s/te
rms-and-conditions-us.
Need help? Visit DoorDash Gift Card Support
|12:00 P41
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1 location
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Gift Cards
Refer Friends, Get $5
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|12:00 V4l
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Gift Message 150 characters remaining
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Gift Cards in Bulk
Are you looking to purchase DoorDash gift cards in bulk?
Give the gift of food delivery and sign up for a buyer
account today!
Shop now


Adding card to Apple Pay

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|9:41 all & @l
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|Terms and Conditions

Apple Pay Terms and Conditions
These terms (the “Apple Pay Terms”) relate to your agreement with
us (“Wise Asia-Pacific Pte. Ltd.”) for use of the Wise Multi-currency
account as governed by your Customer Agreement (and the Card
Supplement). If there is any conflict between them, your Customer
Agreement will apply. You remain responsible for your use of Apple
Pay or any Apple device. Any terms that you have with Apple, for
example, for your device, will remain in place. Your transactions
with your Wise card remain subject to other terms which might
apply.
How do you make it work?
To use Apple Pay, you will need to link your Wise card to your
Apple Pay wallet and accept our terms. Once you have done this,
you will be ready to use Apple Pay. Contactless payment limits will
apply, depending on the retailer and the payment terminal used
along with your contactless transactions limit and if your card is
active. Your Wise card will be debited and you will see the
transactions in your account, as well as in the Apple Wallet.
Can we stop you using Apple Pay?
We are able to stop your use of Apple Pay in the same way that we
can stop your use of the Wise Multi-currency account in the
Customer Agreement (and the Card Supplement).
Security
The Customer Agreement, along with the Card Supplement and
our terms of use for your Multi-currency account, contain a number
of important things about what you can and cannot do in order to
keep your Account (however you access this) safe and secure at all
times. Make sure you familiarise yourself with these documents
before you start using Apple Pay. We will share anonymised,
statistical information with Apple to develop and improve how Apple
Pay works.

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DoorDash’s Terms & Conditions and Privacy Policy.
|Signin or Sign up
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~ . .
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|12:00 P41
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Q' 1226 university drive (%}
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9 1226 University Drive
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9 1226 University Drive
Huntsville, AL, USA
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Pound account details

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Inside the UK Outside the UK
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12:00 V4l
All Day -
4:30 AM-4:29 AM
Popular Items 10
Charbroiled Burgers 32
Chicken & More 9
Sides 5
Drinks 6
|12:00 P41

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i= Popular ltems Biscuits & Sandwiches Breakfast
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Hash Rounds
Crispy, poppable potato rounds. ‘
breakfast served until 10:30am (hours ...
$2.99 +
The Breakfast Burger
Charbroiled all-beef patty, crispy bacon,
egg, american cheese, hash rounds€, a...
$7.36 +
French Toast Dips ﬁ
$5.30

+
Soft Drink
$3.40

+
Monster Biscuit
Crispy bacon, sausage patty, two folded &
eqas, Swiss & American cheeses on a@... +
|12:00 V41l
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O Breakfast
6:00 AM-10:40 AM
@ All Day
4:30 AM-4:29 AM


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screenKeywords:
All activity d Q
October 2021
AN To your EUR account 6.35 EUR
Moved - Oct 23rd, 2021 10 SGD
+ To your SGD account 10 SGD
Added - Oct 23rd, 2021
AN To your EUR account 158.84 EUR
Moved - Oct 23rd, 2021 250.40 SGD
AN To your EUR account 36.50 EUR
Moved - Oct 23rd, 2021 31 GBP
\l/ DIGITAL PRO PART LTD 250 GBP
Received - Oct 22nd, 2021
AN To your SGD account 0.25 SGD
Moved - Oct 18th, 2021 0.24 CAD
+ To your SGD account 250 SGD
Added - Oct 17th, 2021
o o @ ] 8
Home Account Send Recipients Invite
|9:41 all ¥ @
0.00 Open
r Turkish Lira 50+ currencies
All activity d Q
September
oo Payen*Workaway 49 USD
oo Spent - 23rd Fri
AN To your USD account 0.04 USD
Moved - 22nd Thu 954 VND
AN To your USD account 10.03 USD
Moved - 22nd Thu 239,190 VND
AN To your USD account 78.93 USD
Moved - 22nd Thu 70 GBP
o o @ ] 8
Home Account Send Recipients Invite
|All activity d Q
November 2019
& Ryukyuonsen Senagajima 1,242 JPY
Spent - Nov 17th, 2019
Cff Kafue Do Kurieokinawaa 319 JPY
Spent - Nov 17th, 2019
ﬁ Seven Bank 8,000 JPY
Withdrawn - Nov 17th, 2019
+ To your JPY account 11,900 JPY
Added - Nov 15th, 2019 150.05 SGD
October 2019
4 Mcdonald's (ptp) 5SGD
Spent - Oct 30th, 2019
+ To your SGD account 8 SGD
Added - Oct 30th, 2019 8.22 SGD
o o @ ] 8
Home Account Send Recipients Invite
|9:41 all ¥ @
AL &
K11 ~—
2,530.00 40.00 36,
British Pound US Dollar Viet
All activity d Q
September
oo Payen*Workaway 49 USD
oo Spent - 23rd Fri
AN To your USD account 0.04 USD
Moved - 22nd Thu 954 VND
AN To your USD account 10.03 USD
Moved - 22nd Thu 239,190 VND
AN To your USD account 78.93 USD
Moved - 22nd Thu 70 GBP
o o @ ] 8
Home Account Send Recipients Invite
|All activity d Q
November 2021
AN To your GBP account 0.50 GBP
Moved - Nov 15th, 2021 0.60 EUR
4 Toogoodtog 2pi5Ic8r5p5 3 EUR
Spent - Nov 8th, 2021
3 Rossmann 1700 1.24 EUR
Spent - Nov 8th, 2021
C) Lidl Dienstleistung 3.85 EUR
Spent - Nov 7th, 2021
ﬁ Berliner Volksbank Eg 190 EUR
Withdrawn - Nov 6th, 2021
.ﬁ Berliner Volksbank Eg 190 EUR
Declined - Nov 6th, 2021
.ﬁ Berliner Volksbank Eg 190 EUR
Declined - Nov 6th, 2021
o o @ ] 8
Home Account Send Recipients Invite


Spending details

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screenKeywords:
12:00 P41
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Spending
c Jan Feb Mar Apr May Jun Jul Aug Sep
5.77 SGD 10 SGD
Avg monthly spend ® Spent in June
Bills 10 SGD
. 100%
S —
|12:00 P4l
KA Fa
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2,531.00 39.00 59,
British pound United States d... Viett
All activity T Q
Today
+ To your GBP account 1GBP
Added 1.56 SGD
/]\ 1SGD
Sent 1.54 SGD
PEN To your VND account 23,488 VND
Moved 1USD
Friday, September 23rd
oo Payen*Workaway 49 USD
oa
Spent
n o @ /& =
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|12:00 V4l
X 1oL
Spending
c Jan Feb Mar Apr May Jun Jul  Aug Sep
5.77 SGD 71.02 SGD
Avg monthly spend ® Spent this month
oo General 69.48 SGD
= D 98%
Savings 1.54 SGD
® 2%
S —
|Welcome to Insights
s 4
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] Track how much you send and spend
See how much you've been sending and spending
this month compared to last.
|ﬁ Cross currency account analysis
Analyse all transactions, or focus on one currency
account.
R In-depth category spending
Track how much your takeout habit is costing, or
if you budgeted better on your last trip.
|12:00 P4l
X e
Spending

Sep Oct Nov Dec Jan Feb Mar Apr May Jul

5.77 SGD 314.02 SGD

Avg monthly spend ® Spent in November

Cash 296.71SGD

D 94%

Groceries 6.01SGD

@ 2%

Q Transport 4.68 SGD

® 1%

Eating out 4.68 SGD

® 1%

Personal care 1.94 SGD

® 1%
|12:00 4l
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Spending

Sep Oct Nov Dec Jan Feb Mar Apr May Jul

5.77 SGD 10 SGD

Avg monthly spend ® Spent in June

E Bills 10 SGD

D 100%
S —


Redeem a gift card

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Error
Unable to redeem gift card. Enter your gift card
PIN again.
|12:00 V4l
< Gift Cards
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next order.
|12:00 V4l
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next order.


Verifying account details

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screenKeywords:
X
Tell us what you're using
Wise for

Q Choose an option
Paying for goods or services abroad Q
Receiving salary in a different currency Q
Receiving financial support from family Q
Storing money to manage rate Q
fluctuation risk
Using Borderless in a new country as a Q
local bank account
Paying for rent, mortgage, bank loan, Q
insurance or credit card
Receiving money for freelance/ Q
contractor services
|9:41 ull ¥ @m
{ Back Verify using Singpass
’ A Singapore Government Agency Website
singpass =
Upcoming Scheduled Maintenance on 2
Oct, 12am to 4am -
Singpass will be undergoing scheduled
maintenance on 2 Oct 2022, from 12am
to 4am. You may continue to access
digital services using the Singpass app
during the maintenance or SMS 2FA from
2am onwards. Please plan your
transactions accordingly. Thank you.
Log in with Singpass
Your trusted digital identity
Singpass app
Tap QR code
to log in with Singpass app
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Tell us what you're using Wise for

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|9:41 ull ¥ @m
{ Back Verify using Singpass
°
singpdass

Singpass retrieves personal data from
relevant government agencies to pre-fill
the relevant fields, making digital
transactions faster and more convenient.
This digital service is requesting the
following information from Singpass, for
the purpose of verifying your Wise profile

> Name

> Nationality

> Date of Birth

> Registered Address

> NRIC/FIN

Clicking the “I Agree” button permits this digital

service to retrieve your data based on the Terms of
Use.
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Check your details are
correct
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instead.
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Date Of Birth
Address
No, upload documents instead
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|9:41 all ¥ @m)
X
What's the purpose for
using Wise?
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tell us what you're using Wise for.
Tell us what you're using Wise for

Paying for goods or services abroad v
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|9:41 all F @)
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Freeze card PIN and card Manage card
details
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September
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Home Account Send Recipients Invite
|9:41 all ¥ @
You paid for your card
|9:41 ull T =
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Verify using Singpass
Verifying your identity helps keep everyone's
money safe and ensure that you're really you.
This information is never shared with anyone
else. Singaporeans, PRs and Pass holders (EP/
DP/SP), you can now verify your identity
instantly and securely using Myinfo (login via
Singpass).
Verify using Singpass
Log into Myinfo with Singpass and give N
us permission to check your details. It
takes about 1 minute to verify this way.
Verify using other documents
Upload your ID. RerTmemk?er, your ID N
must show your nationality. It takes 2-3
working days to verify this way.
|9:41 all ¥ @
AL &
K11 ~—
2,530.00 40.00 36,
British Pound US Dollar Viet
All activity d Q
September
oo Payen*Workaway 49 USD
oo Spent - 23rd Fri
AN To your USD account 0.04 USD
Moved - 22nd Thu 954 VND
AN To your USD account 10.03 USD
Moved - 22nd Thu 239,190 VND
AN To your USD account 78.93 USD
Moved - 22nd Thu 70 GBP
o o @ ] 8
Home Account Send Recipients Invite


Updating currency

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screenKeywords:
12:00 P4l
X e
Spending

Sep Oct Nov Dec Jan Feb Mar Apr May Jul

418 USD 232.62 USD

Avg monthly spend ® Spent in November

Cash 219.79 USD

D 94%

Groceries 4.45 USD

@ 2%

Q Transport 3.47 USD

® 1%

Eating out 3.47 USD

® 1%

Personal care 1.43 USD

® 1%
|12:00 V4l
< Q Type a currency / country...
Suggested currencies
== SGD Singapore dollar v
2 GBP British pound
B USD United States dollar
El@ VND Vietnamese dong
& AUD Australian dollar
All currencies
I= AED United Arab Emirates dirham
Bl AFN Afghanistan afghani
B ALL Albanian lek
= AMD Armenian dram
2 ANG Netherlands Antillean guilder
B AOA Angolan kwanza
— ARS Argentine peso
& AUD Australian dollar

S —
|12:00 P4l
X e
Spending

Sep Oct Nov Dec Jan Feb Mar Apr May Jul

5.77 SGD 314.02 SGD

Avg monthly spend ® Spent in November

Cash 296.71SGD

D 94%

Groceries 6.01SGD

@ 2%

Q Transport 4.68 SGD

® 1%

Eating out 4.68 SGD

® 1%

Personal care 1.94 SGD

® 1%
|}_7 Show me insights for N
All activity
@ Show me in N
Singapore Dollar
= Feedback N
Help us make insights better


Setting up automated conversion

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screenKeywords:
9:41 il F (Em)
Convert money
Convert -
0 > GBP
You have 2,530 GBP in your account
— 0 Conversion fee
= O Total amount we'll convert
x - Rate
e = UsD
O —
Auto Conversion
Set up an automatic conversion based on
your desired rate
. ]
|X
Set up Auto Conversion
Enter a desired rate
1GBP =1.54925 SGD

® Liverate

1.8

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Apr May Jun Jul Aug Sep
Estimated amount you'll get -
|9:41 all ¥ @)
X
Set up Auto Conversion
Enter a desired rate
S 1GBP = | 1.74 SGD
1GBP =1.54925 SGD
® Liverate
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|9:41 il F (Em)
Convert money
Convert -
1 > GBP
You have 2,531 GBP in your account
— 0.01GBP Conversion fee
= 0.99 GBP Total amount we'll convert
X 154925 ~Rate
re e SGD
1.53 -
Auto Conversion
Set up an automatic conversion based on
your desired rate
. ]
|9:41 all F @)
X Q Search for a currency...
Your currency accounts

BE USD US Dollar

El VND Vietnamese Dong

g AUD Australian Dollar

I+ CAD Canadian Dollar

E3 CHF Swiss Franc

B EUR Euro

== HUF Hungarian Forint
® JPY Japanese Yen

#= NOK Norwegian Krone

@l NZD New Zealand Dollar

mm PLN Polish Ztoty

SGD Singapore Dollar

TRY Turkish Lira

== UYU Uruguayan Peso
|9:41 il F (Em)
Convert money
Convert -
1 == GBP
You have 2,531 GBP in your account
— 0.01 GBP Conversion fee
= 0.99 GBP Total amount we'll convert
X 174000 ~Desired rate
e cm SGD
1.72 —
Auto Conversion ()
When 1 GBP =1.74000 SGD or better
. ]
|9:41 il F (Em)
Convert money
Convert -
1| == GBP
You have 2,530 GBP in your account
— 0.01 GBP Conversion fee
= 0.99 GBP Total amount we'll convert
%X 1.07620 ~Rate
e .= USD
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|9:41 -Ill ? @'
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Conversion details
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You want to convert 1.00 GBP
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When 1 GBP =1.74000 SGD or better
Estimated total fees (included) 0.01 GBP
Estimated total to convert 1.72 SGD
|9: 41 all ¥ @)
7L @
fil  Account details >
é] Receiving by email or phone >
[] Scheduled transfers >
[2] Requested payments >
2 Direct Debits >
|_|3 Statements and reports >
A~ Auto Conversions >
(7  Account limits >
o o @ ] 8
Home Account Send Recipients Invite
|9:41 all ¥ @
X
You've successfully set
up an Auto Conversion
of 1.00 GBP to SGD
You'll need enough money in your GBP
account when your desired rate is met for us
to make the conversion. Otherwise we'll
cancel it.
|9:41 -Ill ? @'
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Which account do you want
to convert from?
These are your available currency accounts for
Auto Conversions. Add money to other
currency accounts to make them available.
)% GBP account N
4 2530.00
& USD account N
— 40.00


Sharing an invite with friends

actions:
Sharing
Referring Friends

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screenKeywords:
12:00 P4l
& Track invites
Invite and ?et
Share your link
https://wise.com/invite/ath/zhen...
They get
@ A fee-free transfer up to £500 when they
sign up with your link.
You get
©) SGD 100 when 3 friends send over
SGD 250 in one go.
® Same currency transactions don't apply.
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|12:00 V41
& Gob Bluth O R Q ¢
Tuesday, Jul 26 - 9:12 PM
Texting with Gob (SMS/MMS)
GBP. '
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Hey, | use Wise to send money abroad. Really easy
and a lot cheaper than the bank! Give it a try with a f...
Gob Bluth Thomas Martin
Shelby Ward
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Nearby Sh... Messages GPS Emul... Bluetooth


Onboarding

actions:
Onboarding
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Purchasing & Ordering
Verifying

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screenKeywords:
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é
Your country of primary
residence
Country

Singapore

By registering, you accept our Terms of Use and

Privacy Policy.
|9:41 all ¥ @
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Choose how your name
appears
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@®
O
O
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Verify your phone number
with a code
We'll send you a code — it helps us keep your
account secure.

Your phone number
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|9:41 all F @)
X
Pay and order
Paying in SGD «/
Your order
- Wise card 10 SGD
One-time fee
A Add money 0 SGD
Top up your SGD account
15 SGD 30 SGD 75 SGLC
Payment method Change
[] Creditcard
Price breakdown
Total 10 SGD
Add card
|9:41 -Ill ? @'
X
What would you like to do
now?
Don't worry, you can come back to the other
options later.
Send money abroad >
i Order a card to spend abroad >
Receive payments from N
abroad
Hold many currencies in one N
place
Decide later
|9:41 oll ¥ @
X
Get a debit card for 10 SGD
No subscription needed - this is a one-time
fee to cover costs.
VISA
@ Spend in 150+ currencies
One card to spend or withdraw money with
the real exchange rate.
(21 Withdraw from ATMs anywhere ®
Withdrawal fees apply if you go over
your fee-free limit.
S\ Get instant notifications
See what you've spent and track in app at
home, abroad and on the go.
€> Convert currencies on the go
Order your card
. ]
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++ ’ ’ @
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Trusted by millions
Just look us up on Google or Facebook to
see our happy reviews. We're fully regulated,
so your money's safe and secure.
Check our rates
& Sign in with Apple
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Save when you send,
receive & spend abroad
Trusted by over 10 million customers.

Regulated by the Monetary Authority of

Singapore (MAS).

Check our rates

& Sign in with Apple
|9:41 all ¥ @
Spend with a debit card
Spend in the local currency, wherever you
are. With a better exchange rate and lower
fees than your bank.
Check our rates
& Sign in with Apple
|9:41 all ¥ @
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Create your password
Choose a password
At least 9 characters, containing a letter and a
number
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|9:41 llll ? @'
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& Scan card
Add a card
Card number
Expiry date CVvV
Save this card for future payments ()

Pay 10 SGD
|9:41 all ¥ @m)

é

What kind of account would

you like to open today?

You can add another account later on, too.
Personal account

‘ Send, spend, and receive money >
around the world for less.
Business account
Do business or freelance work >
internationally.
|9:41 all ¥ @
é
Repeat your PIN
1 2 3
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4 5 6
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7 8 9
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Saving your details
|9:41 all F @)
X
Enter your email address
Your email
By registering, you accept our Terms of Use and
Privacy Policy.
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|9:41 all ¥ @
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Repeat your PIN
o o o o
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Your email
@ Please enter a valid email
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Privacy Policy.
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|Payment options

Apple Pay
[=] Debit card
[=] Creditcard
fil PayNow
|9:41 all T (@)
y ®
i
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Hold 50+ currencies and
convert between them in
seconds
You'll always get the real exchange rate, and
the low fees we're known for.
Check our rates
& Sign in with Apple
|9:41 il F (Em)
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What's your delivery
address?
Country

Singapore v
Address line 1
Address line 2 (optional)
Address line 3 (optional)
City
Postal code
|9:41 all F @)
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Choose a password
Now that's a secure password
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|9:41 all ¥ @
X Get a debit card for 10 SGD
No subscription needed - this is a one-time
fee to cover costs.
s
\
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@ Spend in 150+ currencies
One card to spend or withdraw money with
the real exchange rate.
(21 Withdraw from ATMs anywhere ®
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your fee-free limit.
S\ Get instant notifications
See what you've spent and track in app at
home, abroad and on the go.
€> Convert currencies on the go
Spend in currencies you hold for free, or we'll
auto-convert with our low fees.
Order your card
O
|9:41 all ¥ @
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appears
: "
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@®
O
O
|9:41 all ¥ @
You paid for your card
|9:41 all F @)
X
Enter your email address
Your email
By registering, you accept our Terms of Use and
Privacy Policy.
qwe r t vy ui op
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|9:41 -Ill ? @'
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Get your card
Here's what you need to do next
Q  Tell us about yourself
Q Enter your delivery address
(@] Pay for your card
Verify your identity ®
|9:41 all F @)
X
Choose your PIN
00
00
00
®
® ® ®
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4 5 6
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|9: 41 all ¥ @)
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Pay and order

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Apple Pay

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name: Filtering & sorting GBP and Waitrose transactions

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S —


Logging in

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Sending money using external account

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screenPatterns:
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screenElements:
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screenKeywords:
12:00 V4l
X
How do you want to
pay?
Low cost transfer - 0.54 SGD fee
Manual Bank Transfer
ﬁ Manually transfer the money to Wise using >
your bank.
PayNow
ﬁ Pay instantly with PayNow to our Unique >
Entity Number (UEN).
Easy transfer - 0.83 SGD fee
Linked bank account
ﬁ Pay quickly without leaving Wise by linking >
your bank account.
Unavailable payment methods
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|12:00 v 41
X
Where do you want to
send from?
m An account outside Wise N
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A Wise currency account
.th 2,531 GBP available ,
AV British pound
& 39 USD available N
w— United States dollar
‘ 84,935 VND available N
Vietnamese dong
S —
|12:00 V41

X
Pay using PayNow
Log into your online banking and transfer exactly
1.54 SGD using the instructions below. Don't
forget to include your reference, or your transfer
may be delayed.
Unique Entity Number (UEN)
Reference

| have already paid

I will pay later
Need some help?
S —
|12:00 V4l
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S —
|12:00 V41
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0.54 SGD
S —
|12:00 V4l
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General
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Today at You set up your transfer
3:55 pm
Today at We received your SGD
3:56 pm
Today at We paid out your SGD
3:56 pm
Today at Transfer successfully sent
3:56 pm Keep in mind — It can take up to
2 working days for your bank to
credit the account.
Repeat this transfer
Rate the app
S —
|12:00 4l
< Review your transfer
Email
Mobile Number or Unique Entity Number (UEN)
Transfer details Change
You're sending
1.54 SGD
Total fees (included)
0.54 SGD
gets exactly
1.00 SGD
Reference for (Optional)
S —
|12:00 V4l
X
Pay using PayNow
Log into your online banking and transfer exactly
1.54 SGD using the instructions below. Don't
forget to include your reference, or your transfer
may be delayed.
Unique Entity Number (UEN)
Reference

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S —
|12:00 V4l
3 Q
Who are you sending
to?
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Your accounts
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< SGD account ending 2057
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m Ja.cqw Angela N
© Wise account
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|12:00 41l
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S —
|12:00 41l
X @
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General
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Transaction details
You sent 1.54 SGD
Our fee 0.54 SGD
You received 1SGD
Transaction number #503417126
Your bank details
Mobile Number or Unique Entity
Number (UEN)
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S —
|12:00 41l
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Tagging transaction as trips

screenElements: Icon Tab

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screenKeywords:
12:00 41l
X @

Added

250 SGD
To your SGD account
@ Trips
Details
Transaction details
You paid 250 SGD
Our fee 0SGD
Amount added 250 SGD
Transaction number #307845081
Download transfer receipt
S —
|12:00 41l
X @
Added
250 SGD
To your SGD account
a Money added
Details
Transaction details
You paid 250 SGD
Our fee 0SGD
Amount added 250 SGD
Transaction number #307845081
Download transfer receipt
S —
|12:00 V4l
X
Choose a category
© ©
Bills Cash Eating out  Entertain-
ment
®© O ©
oo
Expenses Family General Groceries
Housing  Investments Personal Salary
care
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S —


Check our rates

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screenKeywords:
12:00 P4l
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«= USD
1000
2 USD Connected bank account (ACH) v fee
530 USD Our fee
= 7.30USD Total fees
= 99270 USD Total amount we'll convert
X 1.03920 Guaranteed exchange rate (9 h)
Recipient gets
EUR
1031.61
You'll save up to 7.17 USD
Should arrive in 2 hours
Get started
S —
|12:00 V41
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Adding card to Google Pay

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screenKeywords:
12:00 4l
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Use this card with Google Pay
Wise Card
Tap to pay with your Android phone and check
out faster online when you add this card to
Google Pay
|:| Get email offers, tips, and invites to give
feedback from Google Pay
|12:00 41
X
Issuer terms
Google Pay Terms and Conditions
These terms (the “Google Pay Terms”) relate to
your agreement with us (“Wise Asia-Pacific
Pte. Ltd.”) for use of the Wise Multi-currency
account as governed by your Customer Agreement
(and the Card Supplement). If there is any
conflict between them, your Customer Agreement
will apply. You remain responsible for your
use of Google Pay or any device which uses
Android. Any terms that you have which relate
to the use of your device, will remain in
place. Your transactions with your Wise card
remain subject to other terms which might
apply.
How do you make it work?
To use Google Pay, you will need to link your
Wise card to your Google Pay wallet and accept
our terms. Once you have done this, you will
be ready to use Google Pay. Contactless
payment limits will apply, depending on the
retailer and the payment terminal used along
with your contactless transactions limit and
if your card is active. Your Wise card will be
debited and you will see the transactions in
your account, as well as in the wallet.
Can we stop you using Google Pay?
We are able to stop your use of Google Pay in
the same way that we can stop your use of the
Wise Multi-currency account in the Customer
Agreement (and the Card Supplement).
Security

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|12:00 V4l
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Google Pay
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be ready to use Google Pay. Contactless
payment limits will apply, depending on the
retailer and the payment terminal used along
with your contactless transactions limit and
if your card is active. Your Wise card will be
debited and you will see the transactions in
your account, as well as in the wallet.
Can we stop you using Google Pay?
We are able to stop your use of Google Pay in
the same way that we can stop your use of the
Wise Multi-currency account in the Customer
Agreement (and the Card Supplement).
Security
The Customer Agreement, along with the Card
Supplement and our terms of use for you Multi-
currency account, contain a number of
important things about what you can and cannot
do in order to keep your Account (however you
access this) safe and secure at all times.
Make sure you familiarise yourself with these
documents before you start using Google Pay.
We will share anonymised, statistical
information with Google to develop and improve
how Google Pay works.
Please be aware that the card number that you
see in Google Pay will be different from the
number on the front of the Wise card. So make
sure that you quote the card number from
Google Pay, for example, when dealing with a
merchant about a refund.
Android, Google Pay, and the Google logo are
trademarks of Google LLC.

Accept & continue
|12:00 V41
Choose an account to use
with Google Pay
n Jhon Mobbin

jhon.mobbin.10@gmail.com
c John Mobbin

john.mobbin11@gmail.com
2+ Add another account
|12:00 V41
D
You're all set to pay with
your phone
Just make sure it's awake and hold it to the terminal.
You may need to unlock for some transactions.
|12:00 P4l
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Contacting your bank...


name: Contacting customer support for transaction help

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screenKeywords:
< Back
What kind of problem did
you have with these
transactions?
| didn't receive the money from the
ATM or cash machine Q
Choose this if the ATM did not dispense
the money or gave you less than expected
| was charged the wrong amount or
currency
Choose this if you were overcharged or Q
the payment was in a different currency
than you were expecting
There's a problem with the goods or
service | ordered
Choose this if the goods or service never Q
arrived, or if the product was defective or
different from what you expected
I got an unexpected charge from a
merchant
Choose this for subscription charges, when
you've paid twice for one purchase, or Q
when you know the merchant from a past
O
|9: 41 all § @)
X Hi, how can we help?
Explore all topics
Sending money >
Managing your account >
Holding money >
Wise card >
Receiving money >
Wise Business >
Still need help?
|When did you contact them?
2022
What did the merchant say when you contacted
them? @
Tell us more about the dispute
Was tea. Not coffee
If you haven't already:

e Let the merchant know the goods are
available for pickup or they can send a
return shipping label.

O
|How did you contact the merchant?
When did you contact them?
YYYY
What did the merchant say when you contacted
them? ®
Tell us more about the dispute
O
|< Back
What kind of problem did
you have with these
transactions?
| didn't receive the money from the
ATM or cash machine Q
Choose this if the ATM did not dispense
the money or gave you less than expected
| was charged the wrong amount or
currency
Choose this if you were overcharged or Q
the payment was in a different currency
than you were expecting
There's a problem with the goods or
service | ordered
Choose this if the goods or service never @
arrived, or if the product was defective or
different from what you expected
I got an unexpected charge from a
merchant
Choose this for subscription charges, when
you've paid twice for one purchase, or Q
when you know the merchant from a past
O
|< Back
There's a problem with the
goods or service | ordered
I never got the goods or service |
ordered N
Choose this if the order was cancelled or
never arrived
Something is wrong with the goods or N
service | ordered
| think there might be an issue with the
merchant S
Choose this if you haven't heard from the
merchant, or have found scam reviews
|Description of what was wrong and how it was
different
N
Drag and drop a PNG, JPG or PDF
file, less than 5MB
() If you haven't already contacted the
merchant, please reach out to them
with the unique Acquirer Reference
Number 85268302212826380013912
for this transaction to help them
locate the transaction more quickly.
You can then send us your
correspondence.
|< Back
Done!
We have successfully received your dispute.
|9:41 all ¥ @m)
& Help
v
78,000 VND
Payoo-Highlands 30211

Select an issue

This purchase was not complete >
| was charged too much/multiple times >
| didn't get the goods/services | paid for >
I don't recognise this >
Something else >
|arrived, or if the product was defective or

different from what you expected

I got an unexpected charge from a

merchant

Choose this for subscription charges, when

you've paid twice for one purchase, or Q

when you know the merchant from a past

transaction but aren't sure why they

charged you

| haven't received the refund

Choose this when you've been promised a Q

refund and it hasn't arrived

| did not make, authorize, or participate o

in this transaction

A We are experiencing higher than
normal volumes and it could take up
to 31 business days to review your
dispute. We will get back to you as
soon as we can. Thanks for your
patience.

O
|9:41 all ¥ @
é
I need help with an activity View all
4 Payoo-Highlands 30211 78,000 VND
Spent - Jul 30th
I need help with something else
Holding, receiving money & stocks >
Getting verified >
Sending money >
Wise card >
Managing my account >
|9:41 all ¥ @m
é
Tell us about your issue
We'll connect you to the right team
y ®-.§
I need help with an activity View all
oo Payen*Workaway 49 USD
oo Spent - 23rd Fri
E Grab* A-3paluj3gwg5l 171,000 VND
Spent - Jul 31st
4 Payoo-Highlands 30211 78,000 VND
Spent - Jul 30th
I need help with something else
|< Back
Which transactions do you
want to dispute?
23 September 2022
Payen*Workaway
Spent 49.0 USD - #433802311 Q
Mastercard ending in
31 July 2022
Grab* A-3paluj3gwg5l
Spent 171000 VND - #379129342 Q
Mastercard ending in
30 July 2022
Payoo-Highlands 30211
Spent 78000 VND - #378157657 Q
Mastercard ending in
11 July 2022
Cafe Rana Xav Hoi An
|< Back
Something is wrong with the
goods or service | ordered
What did you order?
Merchant website, if available
What did you receive?
What's wrong with it?
D | have returned the item already.
How did you contact the merchant?
v
|< Back
N
m 2= ﬁ )
&

Having trouble with a card
transaction?
Fill out the form and give as much detail as
possible.
We'll review your information to see if your
dispute is eligible for a chargeback. We'll
email you once we're done.
We might ask for more information too. If we
do, please get back to us as soon as possible.
Merchants might cancel or block their
services when we file a chargeback.
By completing this form, you agree that:
« All the information given is true and correct,
to the best of your knowledge;
« Wise may share any relevant information
about false reports to law enforcement
|9:41 llll ? @'
< Back
Which transactions do you
want to dispute?
23 September 2022
Payen*Workaway
Spent 49.0 USD - #433802311
Mastercard ending in .
31 July 2022
Grab* A-3paluj3gwg5l
Spent 171000 VND - #379129342
Mastercard ending in .
30 July 2022
Payoo-Highlands 30211
Spent 78000 VND - #378157657 @
Mastercard ending in .
1 July 2022
Cafe Rana Xav Hoi An
|< Back
Something is wrong with the
goods or service | ordered
What did you order?
Merchant website, if available
What did you receive?
What's wrong with it?
How did you contact the merchant?
v


Recipients

screenElements:
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screenKeywords:
[J [J
Recipients
Send to friends on Wise in X
‘ 7 seconds
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Send
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o o @ & =
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Copying link

screenElements:
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screenElements:
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screenPatterns:
Invite & Refer Friends
Acknowledgement & Success

screenKeywords:
12:00 P4l
& Track invites
Invite and ?et
Share your link
https://wise.com/invite/ath/zhen...
They get
@ A fee-free transfer up to £500 when they
sign up with your link.
You get
©) SGD 100 when 3 friends send over
SGD 250 in one go.
® Same currency transactions don't apply.
S —
|12:00 P4l
& Track invites
Invite and ?et
Share your link
https://wise.com/invite/ath/zhen...
They get
@ A fee-free transfer up to £500 when they
sign up with your link.
You get
©) SGD 100 when 3 friends send over
SGD 250 in one go.
® Same currency transactions don't apply.
S —


Start spending before card arrives

screenElements:
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screenKeywords:
12:00 V4l

é

[J

You can start spending

[J
before your card arrives

v It's safe and secure
Spending with your card details, before the
physical card arrives, is still safe and secure.

[=] Spend online
We've created your card details already. Find
them by selecting Show card details.

B Spend in-store with Google Pay
Add to Google Pay, and tap with your phone to
spend in shops and businesses.

@] Your physical card remains inactive
Spending before your card arrives won't activate
it. You'll need to use your PIN for this.

About your delivery
Back to your card
S —
|Cards
*kkk kkkkx **k*xx 37124 R4
* 09/21 AY/LY:

Freeze card Card details Show PIN
Start spending before your card
arrives
Learn how

Card should arrive by Friday, September 30th
Add to G Pay
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() & wisecom/gb/legal/pp & (@O
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name: Converting British pounds to Vietnam Dong

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screenKeywords:
12:00 P4l
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How much do you want
to convert?
Convert
% GBP
1
You have 2531.00 GBP in your account
— 0.01GBP Our fee
= 0.99 GBP Amount we'll convert
x  25678.9 Guaranteed rate
To
VND
25422
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Does everything look
right?
You're converting
1GBP
To
25422 VND
Fee
0.01 GBP
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25,678.9
S —
|12:00 V4l
X
Done!
You've converted 1.00 GBP to 25422.00 VND
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to convert?
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You have 2531.00 GBP in your account
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Thursday, September 22nd
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July 11th
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AUD Australian dollar

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PEN To your VND account 25,422 VND
Moved 1GBP
+ To your GBP account 1GBP
Added 1.56 SGD
Yesterday
/]\ Zheng Jun Dexter Lee 1SGD
Sent 1.54 SGD
PEN To your VND account 23,488 VND
Moved 1USD
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% 112328 Guaranteed rate
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1.1
Auto convert
Set up an automatic conversion based on your »
desired rate
S —


Adding a note

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screenKeywords:
12:00 41l
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Spent
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Mcdonald's (ptp)
@ Eating out
Transaction details
When October 30th, 2019, 12:22 PM
Where SINGAPORE, Singapore
Which card [ 3163
Authorised via 8B Chip and PIN
Note Add
N Add receipt
— PDF, JPEG or PNG less than 10MB
Transaction no. #34469260
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When October 30th, 2019, 12:22 PM
Where SINGAPORE, Singapore
Which card [ 3163
Authorised via 8B Chip and PIN
Note Edit
Yum
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Transaction no. #34469260
S —
|12:00 V41
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Card

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screenKeywords:
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|Get a digital card for free &

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online or in-store.
Get your digital card

@ Seend online and in-store
Shop online, set up subscriptions and spend with
your digital card details.

= Add to Google Pay
Pay easily and securely with your digital card
using Google Pay.

-~ Spend with peace of mind
Use digital cards when you don't trust a company
with your details.

& Instantly replace your card details
Easily generate new details if you think your card
could be compromised.

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|[J [J
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free
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online or in-store.
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@ Seend online and in-store
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your digital card details.
= Add to Google Pay
Pay easily and securely with your digital card
using Google Pay.
-~ Spend with peace of mind
Use digital cards when you don't trust a company
o o @ & =
Home Card Send Recipients Account
|Cards
*kkk kkkkx **k*xx 37124 R4
* 09/21 AY/LY:

Freeze card Card details Show PIN
Start spending before your card
arrives
Learn how

Card should arrive by Friday, September 30th
Add to G Pay
Manage card
P L N - = = -
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Spend like a local

screenKeywords:
12:00 V41

X ©

~  Always choose to pay in Euro
This means we can give real exchange rates at low
fees.
Learn why

<  Spend like you're home
Just top up your SGD balance. We'll auto-convert
from it at the lowest conversion fee whenever
you spend.
How auto-conversion works

T  Withdraw up to 350.0 SGD for free
Watch out for additional fees charged by some
ATMs.
Withdrawal fees explained

C'  Card lost or stolen?
We deliver worldwide, and you can add the
replacement card to Google Pay to spend before
it arrives.
Get a replacement card

Missing Something?
Local spending insights are in beta. Help us improve
them by providing us with feedback.
S —
|12:00 V4l
X ©
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Spend like a local in
Andorrav
1SGD = 0.721967 EUR ~
0.44% conversion fee
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This means we can give real exchange rates at low
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Learn why
<  Spend like you're home
Just top up your SGD balance. We'll auto-convert
from it at the lowest conversion fee whenever
you spend.
How auto-conversion works
T  Withdraw up to 350.0 SGD for free
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ATMs.
Withdrawal fees explained
C  Card lost or stolen?
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|12:00 V4l
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1SGD =1SGD ~
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Choose "credit” when asked
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funding source at card machines or ATMs.
<  Spend like you're home
Just top up your SGD balance. We'll auto-convert
from it at the lowest conversion fee whenever
you spend.
How auto-conversion works
0 Happy spending in Singapore
Check out some tips for getting the most out of
your Singapore dollar.
|Cards
*kkk kkkkx **k*xx 37124 R4
* 09/21 AY/LY:

Freeze card Card details Show PIN
Start spending before your card
arrives
Learn how

Card should arrive by Friday, September 30th
Add to G Pay
Manage card
P L N - = = -
o o @ & =
Home Card Send Recipients Account


Adding a new digital card

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@ Manage payment methods >
& Replace card >
D Delete card >
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|12:00 P4l
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Your digital card's ready to
use!
You can start making secure payments online
and set up Google Pay.
|[J [J
Get a digital card for
free
/ %/
: VISA
Get a digital card instantly to spend securely
online or in-store.
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@ Seend online and in-store
Shop online, set up subscriptions and spend with
your digital card details.
= Add to Google Pay
Pay easily and securely with your digital card
using Google Pay.
-~ Spend with peace of mind
Use digital cards when you don't trust a company
o o @ & =
Home Card Send Recipients Account