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Wise (WISE) investor relations material
Wise Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary17 Jul, 2025
Executive summary
Achieved a strong start to FY26 with cross-border volume up 24% year-over-year to £41.2bn and customer holdings up 31% to £22.9bn.
Active customers reached 9.8 million in Q1, a 17% increase year-over-year.
Launched Wise Business in the Philippines and expanded Wise Platform partnerships with Raiffeisen Bank and UniCredit.
Announced a proposal for dual listing shares in the US and UK to accelerate growth and align stakeholder interests.
Financial highlights
Underlying income rose 11% year-over-year to £362.0m in Q1 FY26, or 14% on a constant currency basis.
Cross-border take rate declined by 12bps year-over-year to 0.52%, reflecting lower average prices and a higher share of large-volume customers.
Card and other revenue increased 29% year-over-year to £103.3m.
Underlying interest income grew 28% year-over-year to £43.9m.
Outlook and guidance
Expects strong underlying income growth for FY26, in line with medium-term guidance of 15-20% on a constant currency basis.
Targeting an underlying profit before tax margin of 13-16% in the medium term, with FY26 expected near the top of this range.
Explain the strategic benefits of a US dual listing.
What is driving the reduction in cross-border take rate?
How does Wise plan to achieve its profit margin target?
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H1 20266 Nov, 2025
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Frequently asked questions
Transferring Money in a Wise Way
Wise PLC, previously known as TransferWise, is a financial technology firm based in London, UK. Established in 2011, the company set out to reshape international money transfers by offering an alternative to traditional banking systems. Through its platform, Wise provides transparent exchange rates and seeks to eliminate hidden fees, aiming to make cross-border transactions more straightforward and cost-effective. Over the years, the company's offerings have grown beyond just money transfers to encompass multi-currency accounts, debit cards, and business banking services.
Making International Payments Simple
Wise, began its journey with the aim to simplify and reduce costs associated with international money transfers. The founders, motivated by their personal experiences with costly and opaque cross-border transactions, launched a platform that utilized real exchange rates that was simple to use. Their model quickly garnered attention for its transparency and efficiency. As the company grew, it not only expanded its global reach but also introduced new services like multi-currency accounts and debit cards.
The Services
The company offers a modern solution to traditional cross-border financial transactions. Their main service revolves around facilitating international money transfers at real exchange rates, effectively eliminating the hidden fees common with many banks. Users can send, spend, and receive money in multiple currencies, providing a seamless experience for those managing finances across borders. Additionally, Wise offers a multi-currency account, allowing customers to hold and convert over 50 currencies. This account comes with a debit card that can be used globally, ensuring currency conversion is at the real rate without markup. Through these offerings, Wise provides a transparent, efficient, and more affordable alternative for consumers whose lifestyles or personal circumstances demand a convenient way of transferring money internationally. Some examples of publicly traded companies that compete with Wise by offering a similar service are Western Union, MoneyGram, and PayPal.
A Global Platform
Operating in over 70 countries, the platform Wise provides handles transactions in a myriad of currencies, ensuring that users worldwide can execute cross-border transfers with ease. Their vast network is backed by a digital infrastructure that streamlines transfers and reduces costs. Through partnerships and integrations, Wise has made its mark not only with individual consumers but also with businesses seeking efficient international payment solutions.
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