Wise sustainability score: 40/100
Wise is a payments company, headquartered in London, whose main business is cross-border money transfers and currency conversion for individuals and businesses. Its parent, Wise Group plc, was incorporated in Jersey in 2025; its roots go back to 2011, when it launched as TransferWise.
More about Wise
It had over 8,000 employees and $2.5 billion in net revenue in FY2026 (the year to 31 March 2026).
Founded 2025Head office London, United KingdomStaff ~8,000 (FY2026)Revenue $2,502.8M net revenue (FY2026, year to 31 March 2026)Website ↗
Wise publishes four years of Scope 1–3 emissions in its UK annual report, but it has no reduction target since retiring its transition plan in FY2025, and its emissions have risen from 31,692 t in FY2023 to 86,099 t in FY2026, despite a fall in the latest year. It publishes no renewable electricity share and no water data, and its climate spending is £1.5m of carbon removal through Opna. A CFPB consent order in 2025 over US fee disclosures and remittance errors was settled with a penalty and customer redress.
Wise scores 40/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Companies can never pay for anything about their own score. Last verified October 2026.
That places Wise joint 409th of 934 companies scored, and joint 17th of 59 in Financial Services / Banking.
What is Wise doing well, and where does it fall short?
Strongest on Carbon Footprint: Operations and Carbon Footprint: Supply Chain (6/10, 6/10). Weakest on Water Impact and Targets & Commitments (1/10, 1/10).
Where Wise lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations6/10Its own emissions aren't independently verified or tracked over several years.
- Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
- Whether its emissions are falling4/10No evidence of a year-on-year fall in its total emissions.
- How clean its energy is2/10No renewable energy tariff or major efficiency investment shown.
- Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste2/10No active waste reduction, reuse or repair shown.
- Its effect on water1/10No figures for its water use.
- Its climate targets1/10No emissions reduction targets.
- How openly it reports5/10No dedicated sustainability role, board oversight or public report.
- Its record on controversies6/10Points deducted for controversies or its business model. The finding is under question 10.
A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.
How is Wise's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleHas Wise's score changed?
Wise's score has been reviewed 2 times and currently stands where it started, at 40.
- 40 → 4026 October 2026
Re-scored under the current method. Unchanged at 40: Wise is now scored as a payments company, so the financed-emissions deduction for banks doesn't apply, and its emissions now come from its own annual report. A 2025 CFPB consent order over US fee disclosures is deducted.
- Scored 406 April 2026
Initial score at platform launch
What evidence is Wise's score based on?
11 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
27% of them were published by Wise itself; the rest come from independent sources.
Wise holds customer money in cash, government bonds, money market funds and a small amount of high-quality short-term corporate debt to protect it, as the law requires. It doesn't lend customers' money, so the financed-emissions deduction for banks and investors doesn't apply.
“Emissions were calculated following the GHG Reporting Protocol (Corporate Standard) using the Watershed platform.”
“graded in the top investment categories (rated A- and above), predominantly in Government bonds”
“On January 30, 2025, the Bureau issued an order against Wise US Inc., a nonbank remittance transfer provider headquartered in New York, New York.”
“The agency has ordered publicly traded Wise to pay about $450,000 in redress to harmed consumers and a $2.025 million civil money penalty.”
“The CFPB ordered Wise to reimburse customers $450,000 and pay a $2.025 million fine.”
“The company must pay $450,000 in redress to harmed customers and $2.025 million as a civil money penalty”
“The Consumer Financial Protection Bureau has amended its January consent order against money transfer platform Wise”
“Working closely with Opna, Wise has selected a portfolio of nature-based and hybrid carbon removal projects including Improved Forest Management and Biochar”
“The expanded collaboration brings the total commitment via Opna to £1.5m”
“Wise began conducting comprehensive emissions measurements in 2019, became carbon neutral in 2020, used clean power in our offices in 2021, and has committed to achieving net zero.”
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How does Wise compare with other financial services / banking companies?
Where Wise sits among financial services / banking peers.
Among the 59 major financial services / banking brands we've scored, Wise is tied =17th of 59, with 3 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above Wise.
Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender.
See the breakdown →ICG has delivered measurable operational decarbonisation—85% Scope 1+2 reduction, SBTi-validated targets, 100% renewable electricity—but material financed emissions lack absolute quantification.
See the breakdown →TSB shows basic operational carbon management but critical gaps in financed emissions disclosure and supply chain accountability.
See the breakdown →Which companies moved this week, and why.
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