From loyal customer to 1 star over night
We used Wise from
almost the beginning - for more than four years. As a family with three-nationalities that moves between three countries (one in Europe, one in Africa, and the USA) it was a lifesaver.  Suddenly this year we had 10,000 Euros frozen and my husband's account closed. Little communication. No recourse. Now I cannot transfer money either, it just sits in holding and then comes back as not possible. Prior to this experience it would have been a 5 star review,  but this year we learned that we are just a number. Great concept, but unless you can protect our money and communicate properly, it's not worth the risk. *Prior to this year my complaint previously would be that when you hold money in different currencies, it doesn't earn interest, which it should.

*Edit to add that in regarding the terms of use, I believe that the error lay in him using a personal account for business purposes, as he did 1 & 2, but only had a personal account. If that is the case, then where is the communication asking him to open a business account? Having had his funds frozen, and account closed, he has zero interest in appealing. Your process lost him as a customer. Perhaps this review will serve to help someone else avoid the same experience. 

From Wise terms of use:
1 receiving payments from family, friends or other people you know for personal purposes (ok);
2 receiving payments from your clients and other third parties for the purpose of business payments (ok).
3 You may not use your personal Wise account to receive business payments (not ok).