Carbon Footprint — Operations: How does Wise score?

Wise's ESG page states total net corporate emissions of 33,952 metric tons CO2 as of 2022. Wise has measured its carbon footprint since 2019. However, there is no granular Scope 1/2 breakdown published, no GHG Protocol methodology statement, and no third-party verification evident. The total figure is disclosed but without the methodological transparency or verification expected for a company of this size.

Carbon Footprint — Supply Chain: How does Wise score?

No Scope 3 breakdown or supply chain emissions quantification is publicly available. Wise's ESG page mentions prioritising ESG scores when reviewing third parties and working with AWS on cloud efficiency, indicating some awareness of supply chain impact. However, there is no formal Scope 3 inventory, no supplier engagement programme, and no value chain mapping published. As a fintech, the supply chain is relatively simple (cloud computing, offices, cards) but not trivial at 6,500 employees.

Emissions Trajectory: How does Wise score?

No multi-year emissions trajectory data is publicly available. The only disclosed figure is 33,952 tCO2e for 2022. Given Wise has grown rapidly (employees more than doubled from ~3,000 in FY2022 to ~6,500 in FY2025 and revenue nearly tripled), absolute emissions have almost certainly increased alongside the business growth. No updated emissions figure has been published for FY2023, FY2024 or FY2025. For a mid-sized company with a significant footprint and rapid growth, this scores a 1.

Energy Source: How does Wise score?

Wise states it has had 'clean power in our largest offices since 2021' and has migrated servers to AWS cloud. The Tallinn office (the largest, with ~2,200 employees) reportedly has a green commitment. However, no percentage of renewable energy is disclosed, no RE100 membership, and no power purchase agreements are evident. The claim of clean power in largest offices suggests a green tariff or similar arrangement, which scores a 4 per the rubric.

Nature & Biodiversity Impact: How does Wise score?

Wise has no published biodiversity policy, no TNFD disclosure, and no nature impact assessment. As a fintech company, Wise's direct nature impact is minimal — no manufacturing, no land use, no agricultural supply chain. The partnership with Opna funds nature-based carbon removal projects (forest management, biochar) in LatAm and APAC, showing some awareness of nature issues. However, there is no formal assessment of nature dependencies or impacts.

Resource Use & Waste: How does Wise score?

Wise launched eco-friendly cards made of bio-sourced plastic for UK and EU customers. The company has updated its travel policy to prioritise virtual events and low-carbon travel modes. No formal waste strategy, circular economy targets, or quantified waste data are published. As a primarily digital fintech, material footprint is limited to offices, hardware, and physical cards. Score of 3 reflects basic awareness and some positive actions without formal reporting.

Water Impact: How does Wise score?

No water consumption data or water policy is published. As a fintech company operating primarily in offices and cloud infrastructure, Wise has genuinely low water impact — no manufacturing, no cooling-intensive data centres (using AWS), no chemical processes. The physical water footprint is limited to office use. A score of 3 reflects low inherent water impact without formal monitoring.

Targets & Commitments: How does Wise score?

Wise's stated aspiration is 'emission zero' but no specific measurable targets, timelines, or milestones are published. There is no SBTi commitment or validation. The company became carbon neutral in 2020 via offsetting and now invests in carbon removal through Opna (£500K in FY25, £1M in FY26), but these are investment commitments rather than reduction targets. The ESG budget is tied to business growth, which is a positive signal but not a substitute for science-based reduction targets. Score o

Transparency & Accountability: How does Wise score?

Wise has a dedicated ESG Manager (Caroline Corbett-Thompson) and an ESG Committee of 13 senior employees across geographies. The annual report contains an ESG section, and the company has an ESG page on its website. The FY2025 annual report states climate risks are assessed but not deemed material. However, there is no standalone sustainability report, no TCFD/CSRD-aligned disclosure, and emissions data is limited to a single aggregate figure from 2022. Board oversight of ESG is mentioned but no

Controversies & Red Flags: How does Wise score?

No environmental controversies, greenwashing allegations, regulatory fines, or climate-related lawsuits were found against Wise plc. No evidence of lobbying against climate policy. No membership in trade associations opposing climate action. Wise's policy positions page explicitly acknowledges corporate responsibility on climate change. The company is not assessed by InfluenceMap (fintech companies are typically not covered). Clean record with no red flags.

Wise Sustainability Score: 40/100

Recently scored: Dentsu, Omnicom, Publicis Groupe, WPP

507 companies scored·4 score updates this week

Wise·Financial Services / Banking·London, United Kingdom·Founded 2011·Last verified 25 April 2026

out of 100

Below expectationsPending Review

Wise discloses a single aggregate carbon figure from 2022 without scope breakdown or methodology. No emissions trajectory despite doubling headcount since then. The company lacks science-based targets, formal supply chain assessment, and materiality analysis—relying instead on offsetting and carbon removal investments that don't replace reduction commitments.

No challenges currently filed

The calculation

Every score shows its working.

Same formula for every company. No curve. No private weighting.

SINK = (0.3 × Base + 0.7 × Performance) × Scale

Industry base impact

Financial Services / Banking sector ceiling.

50 / 100

Performance score

Sum of the 10 rubric questions, scored 0–10 each.

35 / 100

Raw score

Weighted average before scale penalty.

(0.3 × 50) + (0.7 × 35) = 39.5

Scale penalty

Multiplier based on absolute emissions volume — physics-first.

× 1

Final score

Rounded. Below expectations.

40 / 100

The ten questions

Where Wise is strong, and where it isn't.

Strongest on Controversies & Red Flags and Carbon Footprint — Operations (10/10, 4/10). Weakest on Emissions Trajectory and Targets & Commitments (1/10, 2/10).

Where the evidence comes from

Every document used, listed.

6 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.

[1]Self-reported

ESG Community Page

Ongoing

Q1Q2Q3Q4Q6Q8Q9

View →

[2]Self-reported

FY2025 Annual Report

2025

View →

[3]Self-reported

Policy Positions

Ongoing

Q4Q10

View →

[4]Self-reported

Wise Newsroom: Opna Partnership Carbon Removal (FY25)

2025

View →

[5]Self-reported

Wise Newsroom: Opna Partnership Deepened (FY26 Commitment)

2025

View →

[6]Self-reported

Wise Newsroom: ESG Manager Insights

2025

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If you believe a source has been misread or a newer version exists, submit a challenge.

Wise in context

Where Wise sits among financial services / banking peers.

Among the 27 major financial services / banking brands we've scored, Wise sits 11th of 27.

11/27

Wise's rank

Industry average

Industry low

Industry high

1Triodos Bank

2Mastercard

3Klarna

4Nationwide Building Society

11Wise

17Lloyds Banking Group

18Goldman Sachs Group, Inc.

19Revolut

20HSBC Holdings plc

21Citi

22UBS

How this score has moved

Wise's score over time.

Score history begins 6 April 2026.

As Wise's score updates, the trajectory will appear here.

We're backfilling historical scores for FTSE 100 and S&P 100 companies over the coming weeks.

What's being contested

This score is not currently being contested.

Every challenge is published. We'd rather be corrected than wrong — that's the whole point.

No challenges submitted yet. If you have evidence that contradicts this score, you can challenge any question above — cite a public source and we'll review it.

About Wise

Wise is a fintech company founded in 2011 that specializes in international money transfers and multi-currency accounts. Listed on the London Stock Exchange, it operates across 80+ countries with approximately 6,500 employees. The company competes with traditional banks and payment processors by offering lower fees and better exchange rates through its technology platform.

Founded

2011

Headquarters

London, United Kingdom

Employees

~6,500

Annual revenue

~£1.2B (~$1.5B)

Company website ↗

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