Wise plc Website

Wise plc

LSE-WISE

Company Overview

Wise plc provides cross-border money transfer services for personal and business customers in the United Kingdom, rest of Europe, the Asia-Pacific, North America, and internationally. The company's transfer infrastructure includes Wise Account for international people who need to move and manage money across borders; Wise Business for international businesses need; and Wise Platform that allows businesses and banks to offer their own customers international payments. It also offers online currency exchange services, as well as engages in the investment activities. The company was formerly known as 456 Newco plc and changed its name to Wise plc in June 2021. Wise plc was founded in 2010 and is based in London, the United Kingdom.

  • Name

    Wise plc

  • CEO

    Kristo Kaarmann

  • Website

    wise.com

  • Sector

    Financial Services

  • Year Founded

    2010

Company Statistics

Profile

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Financial Health

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Bulls Say

  • Greater use of digital currency conversion is increasing Wise’s addressable market over time.

  • Wise’s current cost base could support a significantly smaller revenue pool in the industry relative to peers.

  • Building out its product suite could create a sticky customer base and open new revenue streams.

Bears Say

  • As currency conversion is commoditizing, Wise may see competition increasing with more digital players looking to emulate its business model.

  • Wise is lacking a cash distribution network, which remains crucial in serving the remittance sector.

  • Given Wise’s low investment spend since inception, incumbents building their own digital currency platform does appear feasible.

Source: Morningstar Analysis - Nov 07, 2025
LSE:WISE