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Wise Group plc reports that the U.S. Office of the Comptroller of the Currency has denied its application for a national trust bank charter at this time. The application was submitted over a year ago, during which Wise says its business and compliance maturity have evolved and it has addressed historical issues identified by the OCC, including matters referenced in a July 2025 public Multi-State Consent Order.
Wise states that the OCC decision does not affect its normal operations, which continue under existing money transmitter licenses across 48 U.S. states and four territories and more than 80 licenses globally. In response to U.S. and other regulatory feedback, the company reports significant investment in strengthening its U.S. compliance program, enhancing investigations and reporting, improving customer data integrity, and bolstering controls to help prevent financial crime, working with regulators such as the FCA and NBB.
Wise notes that changes in U.S. payments regulation, including the GENIUS Act and evolving Federal Reserve policy on master account access, have made its original trust bank approach non-viable. It has informed the OCC that it plans to submit a new national trust bank charter application under a GENIUS Act framework. In fiscal 2026, Wise supported around 19 million customers, processing over $240 billion in cross-border transactions and saving customers over $3 billion.
Wise Group plc has launched a share buyback program authorizing repurchases of Class A ordinary shares for an aggregate maximum consideration of up to £405 million (approximately $540 million). Repurchases will be executed by Goldman Sachs International under non-discretionary arrangements on Nasdaq, other US venues, the London Stock Exchange, CBOE Europe and Aquis, starting July 21, 2026 and expected to complete no later than March 31, 2027.
The buyback is intended to reduce share capital and meet obligations from employee share schemes and other equity awards. Around 40% of repurchased shares will be transferred to the Company’s Employee Share Trust, with the remaining 60% held in treasury. The maximum number of Class A ordinary shares that may be purchased under the program is 102,500,025, reflecting the shares remaining under existing shareholder authority, which expires at the earlier of the close of business on September 30, 2026 or the conclusion of the next Annual General Meeting.
Wise highlights its scale, noting that in fiscal year 2026 it supported around 19 million people and businesses, processed over $240 billion in cross-border transactions and saved customers over $3 billion in fees.
Wise Group plc Chief Technology Officer Harsh Sinha reported multiple equity movements. On July 15, 2026, previously granted restricted share units converted into 105,240 Class A Ordinary Shares, increasing his direct holdings to 916,115 shares. On July 16, 2026, he sold 42,101 Class A Ordinary Shares in an open-market or private transaction at $12.86 per share, leaving 874,014 shares held directly. Several RSU grants remain scheduled to vest in future installments, and the Rule 10b5-1 trading-plan checkbox was not marked.
Wise Group plc Chief Product Officer Nilan Peiris reported several equity transactions. On July 15, 2026 he converted restricted share units into 105,240 Class A Ordinary Shares, then on July 16 sold 58,262 Class A Ordinary Shares in an open-market or private transaction at $12.86 per share. After these transactions he directly held 2,411,199 Class A and 1,125,790 Class B Ordinary Shares, along with multiple RSU grants that vest in quarterly installments beginning July 15, 2026.
Wise Group plc reported strong Q1 FY27 growth for the quarter ended June 30, 2026. Net revenue was $714.0 million, up 25% year over year. Active customers reached 11.863 million, a 21% increase, while cross-border payment volume rose 26% to $69.3 billion. Customer holdings expanded 31% to $41.2 billion, and assets under custody were $10.2 billion, 55% higher than Q1 FY26.
Cross-border take rate edged down to 0.50% from 0.52%, which management highlighted as Wise’s lowest average fee, and 77% of transfers were instant, up from 70%. Q1 FY27 revenue included $349.8 million from cross-border payments, $191.1 million from card and other services, and $225.4 million of interest income on customer balances, partly offset by $52.3 million of interest expense. Both personal and business segments contributed, with business cross-border volumes up 39% year over year to $21.3 billion and personal volumes up 21% to $48.0 billion.
Wise Group plc reports strong FY26 growth and a new U.S. primary listing. Cross-border volume reached $243.5 billion, up 31% year-over-year, as active customers grew 21% to 19 million. Total net revenue was $2,502.8 million, an increase of 19%, with over one-third now coming from non-cross-border products such as cards and other account services.
Income before tax reached $660.4 million, giving a 26.4% margin, while customer holdings rose to $39 billion, including $9 billion in Wise Assets. The company completed share repurchases totaling $470 million for 35.9 million shares and plans a new share purchase program of over $500 million. Wise also completed a Reorganization Transaction and moved its primary listing to Nasdaq, retaining a secondary listing in London.
Wise Group plc files its annual report on Form 20-F outlining its business as a Jersey-incorporated holding company for Wise Limited, focused on cross-border and domestic financial services. The report explains a 2026 reorganization that made Wise Group plc the ultimate parent and shifted the primary listing from the London Stock Exchange to Nasdaq, while keeping a secondary LSE listing.
Wise highlights that its sole material asset is its equity interest in Wise Limited and that its audited consolidated financial statements are prepared under U.S. GAAP in U.S. dollars. Extensive risk disclosures cover customer growth and retention, dependence on banking and payment partners, fraud and financial crime, safeguarding of customer funds, cybersecurity and third-party service providers, competition with banks and fintechs, foreign exchange and interest rate exposure, indebtedness under a Euro medium-term note program and a revolving credit facility, heavy global regulatory oversight, and emerging risks from artificial intelligence and evolving data protection regimes.
Wise Group plc reported strong growth for its fiscal year 2026, driven by rising customer activity and higher transaction volumes. Active customers reached 18.9 million, up 21% year over year. Cross-border volume rose to $243.5 billion, a 31% increase, while card spend grew 37% to $43.6 billion.
Customer holdings increased 40% in FY26 to $39.0 billion, reflecting broader use of Wise accounts for everyday money management. Net revenue was $2,502.8 million, up 19% from FY25, with an average cross-border take rate of 0.52%. The company also filed its Annual Report on Form 20-F and introduced guidance for FY2027.
Wise Group plc ownership disclosure: Baillie Gifford & Co reports beneficial ownership of 108,011,990 Class A ordinary shares, representing 10.53% of the class. The filing shows sole voting power over 98,802,398 shares and sole dispositive power over 108,011,990 shares; holdings are reported by an investment adviser on behalf of clients.
Wise Group plc explains its response to recent press coverage about financial crime by stressing that it is cooperating with the Brussels prosecutor’s office, which is making enquiries about its business. Wise says these enquiries are incomplete and that no specific findings have been shared so far.
The company emphasises that responding to law-enforcement and regulatory requests and filing suspicious activity reports are normal parts of operations for financial institutions and do not, by themselves, indicate non-compliance or wrongdoing. Wise highlights its global compliance footprint with over 80 regulatory licences, serving about 19 million active customers and handling around 4.7 million transactions per day.
Wise describes extensive anti-financial-crime efforts, including verifying customers before account opening, monitoring hundreds of data points in real time, offboarding customers when necessary, and proactively reporting suspicious activity. It notes that roughly one third of its global workforce focuses on protecting customers from financial crime and states it will keep owners and the market informed at an appropriate time.