Wise Group Q2 FY27 net revenue rises 21% to $739M

Wise card spend volumes grew to $14.3 billion as customers used its services for more of their everyday financial needs.

Rhea-AI Filing Summary

Wise Group plc reported Q2 FY27 net revenue of $739.1 million, up 21% year over year, while transaction revenue rose 22% to $561.3 million. Cross-border volume was $71.7 billion, up 22%, and active customers reached 12.5 million, up 20%. Customer holdings were $43.5 billion, up 28%; 78% of transfers were instant, up 4 percentage points, while the cross-border take rate was 0.49%, down 3 basis points year over year.

Wise expects FY27 net revenue growth of 17.5%–20% on a constant currency basis, the upper half of its 15%–20% medium-term target range. It expects FY27 income before tax (‘IBT’) margin around the top of its 20%–25% range; H1 FY27 margin is expected to be c.23%, including one-off expenses equivalent to c.2ppts. The net revenue guidance includes recent central-bank interest-rate increases, assumes no material change in the proportion of interest paid to customers, and omits any further income or expense that may result from future rate changes. Wise went live in Malaysia with its ninth direct integration, launched Wise Account and Wise Card in Thailand, introduced Wise Assets in New Zealand, and announced a Wise Platform partnership with OakNorth to power international payments for UK business customers.

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Positive

• Moderate pointNet revenue grew 21% to $739.1 million year over year.

Negative

• None.

Filing Explained

The reported $43.5 billion in customer holdings included holdings through Wise Assets, which are not recognized on Wise’s balance sheet.

Key Figures

Net revenue: $739.1 million; up 21% year over year Transaction revenue: $561.3 million; up 22% year over year Cross-border volume: $71.7 billion; up 22% year over year +5 more

8 metrics

Net revenue $739.1 million; up 21% year over year Q2 FY27

Transaction revenue $561.3 million; up 22% year over year Q2 FY27

Cross-border volume $71.7 billion; up 22% year over year Q2 FY27

Active customers 12.5 million; up 20% year over year Q2 FY27

Customer holdings $43.5 billion; up 28% year over year Q2 FY27

Cross-border take rate 0.49%; down 3 basis points year over year Q2 FY27

Instant transfers 78%; up 4 percentage points year over year Q2 FY27

FY27 net revenue growth guidance 17.5%–20% Constant currency basis; upper half of the 15%–20% medium-term target range

Key Terms

Cross-border take rate, constant currency basis, income before tax (‘IBT’) margin, Assets under custody

4 terms

Cross-border take rate financial

"Cross-border take rate reduced 3bps YoY to 49bps"

constant currency basis financial

"on a constant currency basis"

A "constant currency basis" is a way companies compare financial results by removing the effects of changing exchange rates between different currencies. It helps show how the business is really performing, without the confusion caused by currency value swings, much like adjusting for inflation to see true growth.

income before tax (‘IBT’) margin financial

"income before tax (‘IBT’) margin around the top of our 20-25% range"

Assets under custody financial

"Assets under custody represent customer deposits held via Wise Assets"

Assets under custody are financial assets, such as stocks, bonds, or cash, held and managed by a financial institution on behalf of clients. They represent the total value of assets that the institution safeguards, ensuring their safety and proper management. For investors, knowing the amount of assets under custody provides an indication of the institution’s size, reliability, and ability to securely handle their investments.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was WSE's net revenue in Q2 FY27?

Wise reported net revenue of $739.1 million for the quarter ended September 30, 2026, up 21% year over year.

What is WSE's FY27 net revenue growth guidance?

Wise expects net revenue growth of 17.5%–20% on a constant currency basis, in the upper half of its 15%–20% medium-term target range. The guidance includes recent central-bank interest-rate increases, assumes no material change in the proportion of interest paid to customers, and omits further income or expense that may result from future central-bank rate changes.

What is WSE's H1 FY27 income before tax margin outlook?

Wise expects H1 FY27 income before tax margin to be c.23%, including one-off expenses equivalent to c.2ppts. These include c.$15 million relating to Wise's dual listing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/15/2026 - 04:02 PM EDT Accepted by SEC EDGAR 10/15/2026 - 04:02 PM EDT Learn about SEC filing dates

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of October 2026

Commission File Number: 001-43229

Wise Group plc
(Translation of registrant's name into English)

1st Floor, Worship Square
65 Clifton Street
London EC2A 4JE
United Kingdom
(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.
Form 20-F [ X ]      Form 40-F [   ]

INFORMATION CONTAINED IN THIS REPORT ON FORM 6-K

On October 15, 2026, Wise Group plc (the "Company") issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Report of Foreign Private Issuer on Form 6-K (this "Report on Form 6-K").

The information contained in this Report on Form 6-K (including Exhibit 99.1 hereto) shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

EXHIBIT INDEX

Exhibit No.		Description
99.1		Press release issued by Wise Group plc, dated October 15, 2026, titled "Wise Group plc reports Q2 FY27 Results"

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

		Wise Group plc
		(Registrant)
Date: October 15, 2026		/s/ Kristo Käärmann
		Kristo Käärmann
		Chief Executive Officer

EXHIBIT 99.1

Wise Group plc reports Q2 FY27 Results

NEW YORK, Oct. 15, 2026 (GLOBE NEWSWIRE) -- Wise Group plc (Nasdaq: WSE; LSE: WISE), the global technology company building the best way to move and manage the world's money, today announces its Q2 FY27 results for the quarter ended September 30, 2026.

	Q2 FY27	Q2 FY26	YoY Movement
Active customers (millions)	12,503	10,440	20%
Cross-border volume ($ billion)	71.7	59.0	22%
Customer holdings ($ billion)	43.5	33.9	28%
Net revenue ($ million)	739.1	610.5	21%
Cross-border take rate (%)	0.49%	0.52%	-3 bps
Instant transfers (%)	78%	74%	+4 pps

Q2 FY27 highlights

• Quarterly cross-border volume grew 22% YoY to $71.7 billion (21% growth YoY on a constant currency basis*) with active customers up 20% YoY to 12.5 million
• Customer holdings increased 28% YoY to $43.5 billion and card spend volumes grew to $14.3bn  as more customers use and trust Wise for more of their daily financial lives
• Cross-border take rate reduced 3bps YoY to 49bps, as we continued to proactively invest part of our operating leverage to further strengthen our competitive advantage of lower prices for customers
• Transaction revenue increased 22% YoY to $561.3 million and net revenue increased 21% YoY to $739.1 million (21% growth YoY on a constant currency basis)
• Outlook for FY27:
  • Wise now expects FY27 net revenue growth to be in the upper half (17.5% - 20%) of our 15-20% medium-term target range on a constant currency basis¹
  • Wise continues to expect FY27 income before tax (‘IBT’) margin around the top of our 20-25% range. For H1FY27, we expect the IBT margin to be c.23%, including one-off expenses equivalent to c.2ppts. This includes c.$15 million relating to the dual listing of Wise. Further detail will be provided in our H1FY27 results, including the progress we are making in unlocking transactional efficiency and reinvesting these gains to drive future growth.

_{¹ Guidance for net revenue growth includes recent increases to interest rates made by central banks and assumes no material change in the proportion of interest paid to customers and omits any further income or expense that may result from further changes in central bank rates that may occur.}

Kristo Käärmann, Co-founder and Chief Executive Officer, commented:

“More than 12 million customers chose Wise this quarter to move over $70 billion around the world, paying 49bps on average, with 78% of transfers completed instantly. Customers are also using Wise for more of their everyday financial needs – spending $14 billion on Wise cards and increasing holdings to $44 billion.

“We continued to expand our network, products and features so Wise can serve more people and businesses around the world. This quarter, we went live in Malaysia with our ninth direct integration, launched the Wise Account and Wise Card in Thailand, introduced Wise Assets in New Zealand and announced our Wise Platform partnership with OakNorth to power international payments for its UK business customers.

“We are building the network for the world’s money – making Wise easier, cheaper and faster to use as we scale.”

Earnings call information

Wise will host an earnings call today, October 15, 2026 at 4:30 p.m. Eastern Time to discuss the company’s performance and expectations. Listeners may access the live call via webcast at http://owners.wise.com, where they can also find Wise’s earnings press release and slide presentation. Following the call, the webcast will be made available at the same website for at least 30 days.

Enquiries

Investor Relations: owners@wise.com

Communications: press@wise.com

Brunswick Group
Charles Pretzlik / Emily Murphy
Wise@brunswickgroup.com
+44 (0) 20 7404 5959

About Wise

Wise is a global technology company, building the best way to move and manage the world's money.

With Wise Account and Wise Business, people and businesses can hold 40+ currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too, as we build an entirely new network for the world's money.

In fiscal year 2026, Wise supported around 19 million people and businesses, processing over $240 billion in cross-border transactions and saving customers over $3 billion.

FORWARD LOOKING DISCLOSURE DISCLAIMER
This report may include forward-looking statements, which are based on current expectations and projections about future events. These statements may include, without limitation, any statements preceded by, followed by or including words such as “forward looking”, “guidance”, “target”, “believe”, “expect”, “intend”, “may”, “anticipate”, “estimate”, “forecast,” “project”, “will”, “can have”, “likely”, “should”, “would”, “could” and any other words and terms of similar meaning or the negative thereof. These forward-looking statements are subject to risks, uncertainties and assumptions about Wise and its subsidiaries. In light of these risks, uncertainties and assumptions, the events in the forward-looking statements may not occur. 
Past performance cannot be relied upon as a guide to future performance and should not be taken as a representation that trends or activities underlying past performance will continue in the future, and the statements in this report speak only as at the date of this report. No representation or warranty is made or will be made that any forward-looking statement will come to pass ​​and there can be no assurance that actual results will not differ materially from those expressed in the forward-looking statements.
Wise expressly disclaims any obligation or undertaking to update, review or revise any forward-looking statements contained in this report and disclaims any obligation to update its view of any risks or uncertainties described herein or to publicly announce the results of any revisions to the forward-looking statements made in this report, whether as a result of new information, future developments or otherwise, except as required by law.

Historical quarterly financials

Quarterly	Q2 FY2025	Q3 FY2025	Q4 FY2025	Q1 FY2026	Q2 FY2026	Q3 FY2026	Q4 FY2026	Q1 FY2027	Q2 FY2027	QoQ Movement	Q YoY Movement
Active Customers (thousand)ˆ	8,892	9,047	9,290	9,797	10,440	10,896	11,290	11,863	12,503	5%	20%
Personal (thousand)	8,469	8,612	8,838	9,321	9,936	10,354	10,718	11,256	11,869	5%	19%
Business (thousand)	423	435	452	475	504	542	572	608	633	4%	26%
Cross-border volume ($ billion)²	45.7	48.4	49.2	55.0	59.0	63.1	66.5	69.3	71.7	3%	22%
Personal ($ billion)	33.9	35.1	35.7	39.7	42.1	44.2	47.0	48.0	49.5	3%	18%
Business ($ billion)	11.8	13.3	13.4	15.3	16.9	18.9	19.5	21.3	22.3	5%	32%
Customer balances ($ billion)³	19.6	20.3	22.0	24.9	26.4	28.5	30.0	31.0	32.1	4%	22%
Personal ($ billion)	12.0	12.3	13.6	15.6	16.7	17.6	18.8	19.5	20.2	4%	21%
Business ($ billion)	7.6	8.0	8.4	9.3	9.7	10.9	11.2	11.5	11.9	3%	23%
Assets under custody ($ billion)⁴	5.1	5.4	5.8	6.6	7.5	8.5	9.0	10.2	11.4	12%	52%
Customer holdings ($ billion)⁵	24.7	25.7	27.8	31.5	33.9	37.0	39.0	41.2	43.5	6%	28%

Note: Unaudited numbers
*We present cross-border volume on a constant currency basis to facilitate comparison of underlying growth trends without the effects of exchange rate fluctuations. To calculate cross-border volume on a constant currency basis, we translate volume for the current period using the average monthly exchange rates from the comparable prior period for operations with functional currencies other than the U.S. dollar.
Differences between ‘total’ rows and the sum of the constituent components of personal and business are due to rounding.
ˆ Total number of unique customers who have completed at least one cross-border transaction in the given period.
² Cross-border volume only.
³ Customer balances do not include Assets under custody, which are not recognized on Wise’s balance sheet.
⁴ Assets under custody represent customer deposits held via Wise Assets.
⁵ Customer holdings is the sum of customer balances held directly and those held via Wise Assets (which are not recognized on Wise’s balance sheet).

Historical quarterly financials

Quarterly	Q2 FY2025	Q3 FY2025	Q4 FY2025	Q1 FY2026	Q2 FY2026	Q3 FY2026	Q4 FY2026	Q1 FY2027	Q2 FY2027	QoQ Movement	Q YoY Movement
Cross-border revenue ($ million)	270.2	272.6	262.5	286.8	305.0	326.5	338.7	349.8	355.2	2%	16%
Card and other revenue ($ million)	120.9	125.4	127.2	138.0	153.4	169.7	175.5	191.1	206.1	8%	34%
Interest income on customer balances ($ million)	198.1	190.6	182.3	196.5	202.5	204.5	202.6	225.4	238.2	6%	18%
Interest expense on customer liabilities ($ million)	(56.6)	(49.0)	(48.0)	(48.0)	(50.4)	(49.5)	(49.0)	(52.3)	(60.4)	15%	20%
Net revenue ($ million)	532.6	539.6	524.0	573.3	610.5	651.2	667.8	714.0	739.1	4%	21%
Cross-border take rate (%)	0.59%	0.56%	0.53%	0.52%	0.52%	0.52%	0.51%	0.50%	0.49%	-1.0 bps	-3.0 bps
Personal (%)	0.64%	0.62%	0.58%	0.57%	0.57%	0.57%	0.56%	0.56%	0.55%	-1.0 bps	-2.0 bps
Business (%)	0.45%	0.42%	0.40%	0.39%	0.39%	0.40%	0.39%	0.39%	0.37%	-2.0 bps	-2.0 bps

Note: Unaudited numbers
Differences between ‘total’ rows and the sum of the constituent components of personal and business are due to rounding.

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 PRESS RELEASE 60.2 KB