Provider research · No numerical rating
Wise publishes an NGN bank-transfer guide. UK and Belgian regulatory identities are checked; the Nigerian payout relationship remains unresolved.
Desk research checked: 2026-09-14. Review: KudiCompass — AI-assisted desk research. No transfer was executed as part of this research.
Who operates the service?
UK: Wise Payments Limited, FCA 900507, authorised electronic money institution. The Belgian register lists Wise Europe SA (0713.629.988). These registrations do not establish every sending route or identify the Nigerian payout partner.
Belgian payment-institution register
FINTRAC Canadian registry (download checked)
Fees and exchange rates
Use a route-specific quote to check the exchange rate and fee. No live rate, universal margin claim, or lowest-cost recommendation is made here. We have not collected comparable quotes for the agreed budgets.
Delivery times
Wise’s NGN guide says delivery is usually the same working day after money is received and converted; conversion can take up to two working days. This is published guidance, not observed performance.
Customer-fund protection
The UK FCA record says FSCS cannot compensate if this firm fails. Safeguarding and complaint eligibility should be checked for the entity serving your country; do not treat the app balance as an insured bank deposit.
Complaints and refunds
For the UK entity, the FCA record gives [email protected]. Use the transfer’s tracking and help options before raising a formal complaint. We have not verified a universal refund deadline; cancellation depends on transfer status.
Limitations and unresolved checks
The NGN guide supports Nigerian bank payments and publishes a 95 million NGN per-transfer ceiling. That does not establish your funding or account limit. The local payout partner was not independently matched, so no route enters our verified comparison yet.
Routes to Nigeria
United Kingdom
Not included in our verified comparison
Availability: A UK-to-Nigeria page exists; payout-partner verification is outstanding.
Operator: Wise Payments Limited — FCA 900507.
How to pay: Confirm supported methods in the country-specific checkout.
Payout: NGN bank payments are described in Wise’s guide; the Nigerian payout partner remains unverified.
Limits: Published NGN destination ceiling: 95 million per transfer; origin and account limits may be lower.
Fees: No complete quote collected; cost is unknown.
Route checked: 2026-09-14
United States
Not included in our verified comparison
Availability: NGN destination guidance exists; country-specific route approval is incomplete.
Operator: Country-specific contracting entity and permissions still being checked.
How to pay: Confirm supported methods in the country-specific checkout.
Payout: NGN bank payments are described in Wise’s guide; the Nigerian payout partner remains unverified.
Limits: Published NGN destination ceiling: 95 million per transfer; origin and account limits may be lower.
Fees: No complete quote collected; cost is unknown.
Route checked: 2026-09-14
Canada
Not included in our verified comparison
Availability: NGN destination guidance exists; country-specific route approval is incomplete.
Operator: Legal Name: WISE PAYMENTS CANADA INC., Operating Name: WISE — M15193392, registered in FINTRAC export checked 14 September 2026.
How to pay: Confirm supported methods in the country-specific checkout.
Payout: NGN bank payments are described in Wise’s guide; the Nigerian payout partner remains unverified.
Limits: Published NGN destination ceiling: 95 million per transfer; origin and account limits may be lower.
Fees: No complete quote collected; cost is unknown.
Route checked: 2026-09-14
Germany
Not included in our verified comparison
Availability: NGN destination guidance exists; country-specific route approval is incomplete.
Operator: Wise Europe SA — Belgian register 0713.629.988; Germany route checks pending.
How to pay: Confirm supported methods in the country-specific checkout.
Payout: NGN bank payments are described in Wise’s guide; the Nigerian payout partner remains unverified.
Limits: Published NGN destination ceiling: 95 million per transfer; origin and account limits may be lower.
Fees: No complete quote collected; cost is unknown.
Route checked: 2026-09-14
Sources and review scope
- NGN transfer guide — 2026-09-14
- UK to Nigeria — 2026-09-14
- Wise Payments FCA record — 2026-09-14
- Belgian payment-institution register — 2026-09-14
- FINTRAC Canadian registry (download checked) — 2026-09-14
Commercial status: No approved publisher agreement is recorded for this profile.