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Cookies and Similar Technologies Policy

United Kingdom

Last Updated: 16 October 2023—Version Number: 2.8

Cookies and Similar Technologies Policy

Last Updated: 16 October 2023

Version Number: 2.8

Our Cookie Policy in German: https://wise.com/de/legal/cookie-policy

We ("Wise") use small files (known as, Cookie, Cookies) to see how you use our site and products. We put them on your computer when you visit our site. We use them to know it’s you and store information about your visits. With Cookies we can give you a better browsing experience, make our products better, and keep our marketing costs down. They make it easier to log in, and they show us where you might need help with our products.

Below, we’ve explained how and why we use Cookies, and what each of them do:

  • Strictly Necessary or Essential Cookies are there for our website to work. They let us save your cookie choice , and keep the site secure. They’re always on.
  • Functional Cookies give you a better browsing experience. These Cookies let us make the site suit your needs, like showing it in the same language as your web browser.
  • Analytical or Performance Cookies help us make our products better. These let us use tools that show us how you use our products. They help us find and fix problems for our customers.
  • Cookies that keep our marketing costs down. These make our marketing better — helping us to spend less on sites like Google and Facebook, and more on charging as little as we can. When our costs go down, so do our prices. We share this information in aggregate form with third parties, for the purpose of advertising.

How to block Cookies

You can choose to block all or some Cookies, to do this you should go to your browser settings. However, if you block all Cookies (including essential Cookies) you may not be able to use some of the site. Your browser settings also allow you to delete all Cookies stored on your device any time you wish.

How to control Cookies

The UK Information Commissioner’s Office has provided the following guidance on Cookies:

  • You can read information on Cookies on different websites, including AboutCookies.org and AllAboutCookies.org.
  • The European Interactive Digital Advertising Alliance website ‘Your Online Choices’: allows you to install an add-on to decline Cookies across different advertising networks. Google has developed a browser add-on to allow users to decline Google Analytics on all websites which use it. This is also available in the Chrome web store.
  • Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to choose whether a website can track you. However, whilst DNT is available in many browsers, websites do not need to recognise this request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome and Opera.
  • For more information on how browsing works, visit the support pages for your browser: Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Safari (IOS mobile and desktop) and Opera.

If you worry about online tracking you can:

  • Install a privacy-friendly browser on your device, such as Mozilla Firefox, Firefox Focus or Brave;
  • Install anti-tracking and ad-blocking plug-ins on that browser, such as uBlock, Ghostery or PrivacyBadger; and
  • Use privacy-friendly web search engines, such as DuckDuckGo or Qwant.

If you have any questions about the Cookies or similar technologies in use on our website, please email privacy@wise.com.

The table below contains technical descriptions for each of the Cookies we use and our reasons for using them.

TechnologyPurposeSession or PersistentLifespanThird PartiesPrivacy information
STRICTLY NECESSARY OR ESSENTIAL COOKIES 
CloudflareWe use the __cfduid cookie to identify individual clients behind a shared IP address and apply security settings. This helps us to stop malicious traffic and spam across our site.

We also use the __cfruid cookie for our rate-limiting policies.

Cloudflare provides web optimisation and security services that we use to improve and protect our websites, including a reverse proxy, pass-through security service, and a content distribution network.
Persistent1 yearCloudflarehttps://www.cloudflare.com/privacypolicy/
gidThis cookie helps us uniquely identify visitors so that new features on the site are consistently displayed each time they visit. Without this use, new features will not function correctly.Persistent1 yearNo third parties involved
gid_tmpThis cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web.Persistent1 yearNo third parties involved
JSESSIONIDThe jsessionid cookie helps us to monitor the reliability of our service and manage login sessions by preserving user states across page requests.SessionNew relichttps://newrelic.com/termsandconditions/privacy
OauthThe userToken, oauthToken cookies let us to authenticate each subsequent login request to our site by a customer.Session24 hoursNo third parties involved
rc::cWe use the rc::c cookie to help us distinguish between humans and bots.Session
Veriff
We use the #cid cookie to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie in order to keep us compliant with applicable EU laws and regulations. Session
We use the cacheID to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie which helps us comply with EU laws andregulations.Persistent
1 yearVeriffhttps://www.veriff.com/privacy-policy
twCookieConsentThis is essential for letting us remember your choice of cookie consent.Persistent6 monthsNo third parties involved
twCookieConsentGTMThis is essential for letting us remember your choice of cookie consent.Persistent6 monthsNo third parties involved
selectedProfileIDWe use the selected-profile-id-userid cookie to store the selected profile on your device.

Both frontend and backend services use the information stored in this cookie to determine which account is being used (if you have multiple accounts).

Persistent1 yearNo third parties involves
_mp_opt_in_out#The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.PersistentN/AMixpanel
localeDataWe use the localeData cookie to store your language preference and provide you with customised regional content. This helps us to show content translated into your preferred language, a key part of making our service accessible to an international audience.Persistent1 year
countryOfResidenceWe use the countryOfResidence cookie to ensure that you’re only shown products which are available in your country.Session N/ANo third parties involved
signupTokenWe use this cookie to allow customers to complete a signup if it's interrupted.Session N/ANo third parties involved
tw-refWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.Persistent1 monthNo third parties involved
tw-ref-invite-source-codeWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.Persistent1 monthNo third parties involved
tw-ref-user-idWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.Persistent1 monthNo third parties involved
tw-ref-userWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.Persistent1 monthNo third parties involved
tw-ref-user-nameWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.Persistent1 monthNo third parties involved
tw-couponThis helps us to apply a discount for eligible customers.Persistent1 monthNo third parties involved
accountDetailsReferralCodeThis cookie allows us to modify the account details onboarding experience for users referred from known affiliates.SessionN/ANo third parties involved
rate-alerts-tokenWe need the sessionStorage value to keep the user logged in to the Rate Alerts service, and to manage their saved rate alerts.SessionN/ANo third parties involved
deviceTokenTWThis is a required token to keep your account safe.Persistent1 yearNo third parties involved
appTokenWe use the appToken cookie to identify which client is using Wise services.Persistent24 hoursNo third parties involved
rememberedDeviceWe use this cookie to record that a user has successfully logged in with SMS or app-based second factor authentication on the device previously, and we will only require first factor authentication (e.g. password) in order to login again on that same device for the next 90 days.Persistent90 daysNo third parties involved
rememberThisDeviceWe use this cookie to retain the user’s previous decision for the ‘Remember this device’ checkbox each time they login.Persistent1 yearNo third parties involved
tell-me-more-bannerThe purpose of this cookie is to let us remember your choice to not see banners on our website.Persistent90 daysNo third parties involved
beta-bannerThe purpose of this cookie is to let us remember your choice to not see banners on our website.Persistent90 daysNo third parties involved
currency-converter-app-bannerThe purpose of this cookie is to let us remember your choice to not see banners on our website.Persistent90 daysNo third parties involved
switch-salary-bannerThe purpose of this localStorage item is to remember your choice to not see banners on our website.PersistentN/ANo third parties involved
has-agreed-owners-disclaimerThe purpose of this cookie is to help us remember that you have accepted the disclaimer shown on https://wise.com/owners/.Persistent40 daysNo third parties involved
interstitialDismissedThe purpose of this cookie is to help us decide if we should show you an interstitial modal on our home page.Persistent90 daysNo third parties involved
Investis DigitalThese cookies are associated with and managed by Amazon Web Services.

AWSELB , AWSALB, AWSELBCORS, AWSALBCORS: These cookies enable us to allocate server traffic to ensure the user’s experience is consistent. A so-called load balancer is used to determine which server currently has the best availability.

AWSALBTG: This cookie helps us remember what server we allocated a user request to and to route subsequent requests to the same server.

AWSALBTGCORS: This cookie contains the same information as the AWSALBTG cookie plus a SameSite attribute.

Persistent1 dayAmazon Web Serviceshttps://www.investisdigital.com/privacy-policy
ASP.NET_SessionIdASP Dot Net uses this cookie to record the users current session between page requests.Session1 SessionASP Dot Net, Investis Digitalhttps://www.investisdigital.com/privacy-policy
mymca-bannerThe purpose of this cookie is to let us remember your choice to not see banners on our website.Session90 daysNo third parties involved
countryPreferenceThe cookie is used to store the user's country preference.PersistentN/ANo third parties involved
dynamic-pricing-screen-shownThe cookie is used to check whether the user has been shown a splash screen when they encounter the dynamic fee (variable FX fee) for the first time.Persistent1 yearNo third parties involved
__mp_opt_in_out_8ba4a7a5182f05e0a79ded57d5d2f051The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.Persistent-No third parties involved
__mp_opt_in_out_e605c449bdf99389fa3ba674d4f5d919The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.Persistent-No third parties involved
__cf_bmThis cookie is placed by Cloudflare on end-user devices that access customer sites protected by Bot Management or Bot Fight Mode.Persistent30 minutesCloudflarehttps://jetpack.com/support/cookies/
__tlbcpvThis cookie is used to record unique visitor views of the consent banner.Persistent1 yearTermlyPrivacy Policy
FUNCTIONAL COOKIES 
usrThis cookie stores a value that identifies you after logging in. It lets us deliver relevant content to you on our homepage.Persistent1 yearNo third parties involved
hasClickedOnSignUpOrLoginThis lets us customise your experience so that it’s easier for you to log in, such as replacing the register button with a login button.Persistent90 daysNo third parties involved
Test.cookieWe use the test.cookie to check if the user's browser supports cookies.Persistent1 dayDoubleclick.nethttps://policies.google.com/technologies/ads?hl=en-US
rate-alerts-routeThis localStorage value saves your most recent choice of currency to currency route on the rate alerts page.PersistentN/ANo third parties involved
profileTypeThis cookie is used to save the user profile type at Register page as a cookie to reuse it at on-boarding flows.Session1 SessionNo third parties involved
dismissedNudgesThis localStorage is used to dismiss the nudge component on a page.PersistentN/ANo third parties involved
mirage_cache_manifestUsed for content distribution network (CDN) services.PersistentN/ACloudflarehttps://www.cloudflare.com/en-gb/privacypolicy/
_grecaptchaGoogle reCAPTCHA used for preventing bots.PersistentN/AGooglehttps://www.google.com/recaptcha/about/
SMThis cookie is used to collect anonymous information on how visitors use a site to help improve their experience and for better target ads.SessionN/AChanelAdvisor, .c.clarity.msPrivacy policy
MRThis cookie is used to measure the use of the website for internal analytics.Persistent7 daysMicrosoft, .c.bing.com, .c.clarity.ms, .bat.bing.comPrivacy policy
_ hjAbsoluteSessionInProgressThe cookie is set so Hotjar can track the beginning of the user's journey for a total session count. It does not contain any identifiable information.Persistent30 minutesHotjarPrivacy policy
pixelThis cookie is used to help site owners track how users interact with product reviews.Persistent13 monthsYotpo ReviewsPrivacy policy
iz_sd_ssThis html_session_storage is used to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process.Session-InformizelyPrivacy policy
iz_uh_psThis html_local_storage is used to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site.Persistent-InformizelyPrivacy policy
ANALYTICAL OR PERFORMANCE COOKIES 
analyticsThis cookie lets us see how you interact with our products in the backend. It contains information on your profile and whether or not you’ve registered in the past.Session1 sessionNo third parties involved
Google AnalyticsThe _gat and gat# cookies are installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites.Session1 minuteGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe _gid cookie is used to store information on how visitors use a website and helps in creating an analytics report of how the website is doing. The data includes the number of visitors, where they came from, and the pages visited in an anonymous form.Persistent1 dayGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe _ga cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site’s analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors.Persistent2 yearsGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe _dc_gtm_UA# cookie is used to limit the number of requests that we make to Google Analytics.Session-Googlehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe collect cookie is used to see which devices and marketing channels you’re using. We send this information to Google Analytics to learn about your device and behaviour.Session-Googlehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe _ ga _# cookie is used to distinguish individual users by means of designation of a randomly generated number as client identifier, which allows calculation of visits and sessions.Persistent1 yearGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe FPID cookie is used in order to enable our client-side _ga cookie to work in a server-side context. It is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors.Persistent2 yearGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe FPAU cookie is used to assign a specific ID to the visitor. This allows the website to determine the number of specific user-visits for analysis and statistics.Persistent3 monthsGooglehttps://support.google.com/analytics/answer/6004245
Google AnalyticsThe FPLC cookie is used to registers a unique ID that is used to generate statistical data on how the visitor uses the website.Persistent1 dayGooglehttps://support.google.com/analytics/answer/6004245
HotJarWe use the _hjid cookie to see your behaviour for our own statistical and monitoring purposes.

This cookie lets us identify which users have been randomly selected to take part in a sample to monitor those users’ behaviour on our site.

Hotjar also provides us with a heatmap of the site which allows us to monitor, for example, how far you’ve scrolled down a page and where you may have hovered.

With session and screen recording, we’re able to get more context for complicated problems — by observing users going through our flows in an uninterrupted manner, in their real life setting. This helps us identify subconscious thought patterns users have, which helps us pin-point where customers might struggle in our product.

We set the _hjClosedSurveyInvites cookie once a visitor interacts with a survey invitation modal popup. We use it to ensure that the same invite does not reappear if it has already been shown.

We set the _hjDonePolls cookie once a visitor completes a poll using the Feedback Poll widget. We use it to ensure that the same poll does not reappear if it has already been filled in.

We set the _hjMinimizedPolls cookie once a visitor minimises a Feedback Poll widget. We use it to ensure that the widget stays minimised when the visitor navigates through our site.

We set the _hjDoneTestersWidgets cookie once a visitor submits their information in the Recruit User Testers widget. We use it to ensure that the same form does not reappear if it has already been filled in.

We set the _hjIncludedInSample cookie to let Hotjar know whether that visitor is included in the sample, which lets us generate funnels.

We set the _hjShownFeedbackMessage cookie when a visitor minimizes or completes Incoming Feedback. We do this so that the form will be minimised immediately if they navigate to another page where it is set to show.

The _hjRecordingLastActivity cookie should be found in sessionStorage (as opposed to cookies). This gets updated when a visitor recording starts and when data is sent through the WebSocket (the visitor performs an action that Hotjar records).

We use the hjTLDTest cookie when the Hotjar script executes and we try to determine the most generic cookie path we should use, instead of the page hostname. We do this so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.

We use the _hjUserAttributesHash cookie as user attributes are sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.

We set the _hjIncludedInPageviewSample cookie to determine if a user is included in the data sampling defined by your site's pageview limit.

The _hjCachedUserAttributes cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. These attributes will only be saved if the user interacts with a Hotjar Feedback tool.

Persistent1 yearHotJarhttps://www.hotjar.com/legal/policies/privacy
iz_sd_ss and iz_uh_ps
We use the iz_sd_ss cookie to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process.Session
We use the iz_uh_ps cookie to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site.Persistent
1 yearInformizelyhttps://www.informizely.com/data-protection
MixpanelThe mp_#_mixpanel cookie is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number.Persistent1 yearMixpanelhttps://mixpanel.com/legal/privacy-policy/
userSecurityDataThe purpose of the userSecurityData cookie is to keep track of how many times we have shown a user the option to enable security features after they log in.PersistentN/ANo third parties involved
gidThis cookie is used to count unique visitors arriving on our website and measure usage of our products.Persistent1 yearNo third parties involvedIf you don’t want this cookie to persist and do not wish to be recognised as a return visitor, you can delete this cookie within your browser settings.
_dc_gtm_UA-#This cookie is used to control how a Google Analytics script tag loads. This is a HTTP cookie whose data is deleted after a session.Persistent1 minuteGoogle Tag Managerhttps://policies.google.com/privacy
_cltkRegisters statistical data on users' behaviour on the website. Used for internal analytics by the website operator.Session1 minuteClarity
_pk_id#This cookie is used to enable collection of statistics on user visit to the website anonymously. Information collected include pages read, average time spent and the number of visits.Session1 yearPiwik Analytics Platformhttps://piwik.pro/privacy-policy/
_pk_ses#This cookie is used to track the pages requested by the visitor in a session for use by Piwik Analytics Platform.Session30 minutesPiwik Analytics Platformhttps://piwik.pro/privacy-policy/
X-ABThis cookie is used by the website's operator in context with multi-variate testing. This is a tool used to combine or change content on the website. This allows the website to find the best variation/edition of the site.Session1 daySnap
_ hjSessionUser _#This cookie is set when a user first lands on a page.Persistent1 yearHotjarhttps://www.hotjar.com/legal/policies/privacy/
__mpq_8ba4a7a5182f05e0a79ded57d5d2f051_evThis html_local_storage is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number.Persistent-Mixpanelhttps://mixpanel.com/legal/privacy-overview/
__mpq_e605c449bdf99389fa3ba674d4f5d919_evThis html_local_storage mp_#_mixpanel is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number.Persistent-Mixpanelhttps://mixpanel.com/legal/privacy-overview/
_ab_blogThis cookie is used to provide AB testing functionality to a small subset of pages on the website. Ensuring user experience is consistent across website browsing sessions.Persistent13 days-
_hjFirstSeenThis cookie is used to identify a new user’s first session.Session30 minutesHotjarhttps://www.hotjar.com/legal/policies/privacy/
auditThis cookie is used to record cookie consent data.Session1 yearRubycon Projecthttps://rubiconproject.com/privacy/
#collectThis cookie is a Google Analytics cookie used to send data such as visitor’s behavior and device to Google Analytics. It is able to keep track of the visitor across marketing channels and devices. It is a pixel tracker type cookie whose activity lasts within the browsing session.Session-Googlehttps://policies.google.com/technologies/ads
hjSession#This cookie is used to hold current session data only.Session30 minutesHotjarhttps://www.hotjar.com/legal/policies/privacy/
CLIDThis cookie is used to Identify the first-time when the provider Clarity saw this user on any site using Clarity.Persistent1 yearHotjar
_ clskThis cookie is used to connect multiple page views by a user into a single Clarity session recording.Persistent1 dayClarity
_clckPersists the Clarity User ID and preferences, unique to that site, on the browser. This ensures that behavior in subsequent visits to the same site will be attributed to the same user ID.Persistent1 yearClarity
IDSYNCIDSync is part of the mParticle identity framework used by Yahoo, enabling a unified view of customer journeys, with improved data governance, policy, and security.Persistent1 year.analytics.yahoo.com
abThis cookie is used by Neustar to collect data on user visits to a site, such as what pages have been accessed. The registered data is used to categorise the user’s interest and demographic profiles in terms of resales for targeted marketing.Persistent1 monthNeustarhttps://www.home.neustar/privacy
_ hjIncludedInSessionSampleThis cookie is set to determine if a user is included in the data sampling defined by your site's daily session limit.Session2 minutesHotjarhttps://www.hotjar.com/legal/policies/privacy/
khaosThis cookie is used as an Internal user identifier used for analytics.Persistent1 yearRubicon Projecthttps://rubiconproject.com/privacy/
piwik.phpThis cookie is used to register statistical data on users' behaviour on the website. This cookie is also used for internal analytics by the website operator.Session-Piwik
COOKIES THAT KEEP OUR MARKETING COSTS DOWN 
Meta (the owner of Facebook)The fr, _fbp, _tr, AA003 and ATN cookies are used by Meta (the owner of Facebook) to collect hashed data about visitors and users of our website for the purposes of measuring advertising effectiveness, showing relevant advertising to certain groups of users, and excluding other groups of users from seeing irrelevant advertising. Because the data is all hashed, Meta is unable to identify you unless have also created an account with them and agreed to their terms and conditions. The _fbc cookie used by (the owner of Facebook) to store reference to campaign/advertisement so Meta/Facebook can attribute this website visit to a particular click.

For example, if a user registers on wise.com, we will share with Meta the following hashed information: name, email address, phone number, city, and zip code. If you have an account with a Meta product or service like Facebook, Meta will be able to identify you as the same user that has registered for Wise. If you don’t have an account, the hash is rendered useless, and as such ‘new’ information previously unknown to Facebook is not shared with Facebook. The data cannot be decrypted.

In this example, we can measure the effectiveness of our Meta / Facebook advertising. It helps us understand how many users have registered with Wise via Meta products. This is important as it means we can make informed investment decisions about our advertising. This may help us contribute to our overall mission of reducing prices for customers over time.

This can also help us prevent advertising irrelevant content to users, e.g. advertisements encouraging users to sign up to Wise when they have already done so.
Persistent3 monthsMeta (the owner of Facebook)https://www.facebook.com/privacy/policy/
g_airpr_recent_visistWe use the g_airpr_recent_visit cookie to store data about visitors in order to match the unique identifier with visits to digital media outlets so we can understand the effectiveness of our communications.Persistent1 dayOnclusivehttps://onclusive.com/legal/gdpr-dataprocessingaddendum/
Google Ads
We use the _gcl_au cookie to link Google advertisements to conversions made on our site. This cookie is also used by Google AdSense for experimenting with advertising efficiency across websites using their service.Persistent
The ads/ga-audiences cookie is used by Google Adwordsinorder to re-engage visitors based on their online behaviour across various websites.Session
We use the NID cookie to assign a unique ID number to a returning user’s device. This unique ID number is used for targeting advertisements to the user. Persistent
90 days Google
MUID and MUIDBThe MUID and MUIDB (bat.bing.com) cookies let us track users by synchronising the Microsoft User Identifier (MUID) across many domains and counting the number of valid clicks. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend.Persistent1 yearMicrosofthttps://about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-click-measurement-description-of-methodology
TwitterWe use the personalization_id cookie to store data about visitors and users and measure advertising effectiveness, show relevant advertising and exclude irrelevant advertising.

The i/adsct cookie is used by Twitter to determine the number of visitors accessing the website through Twitter advertising content.

Persistent, session30 daysTwitterTwitter Cookie Policy
TwitterThe guest_id cookie is used on Twitter to help display tweets on the site, monitor referral links, used to identify those logged into Twitter and collect data related to the Twitter platform.

Persistent2 yearsTwitterTwitter Cookie Policy
Yahoo
The B cookie lets us store data about a user in order to log conversions made from clicks on advertisements. In particular, this cookie enables us to collect statistical data related to the user's website visits, such as the number of visits, average time spent on a website and what pages have been loaded. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend.Persistent2 years
The XB andpagead/conversion/1001035224 cookie is used by Yahoo to enable it to track Yahoo conversions.Persistent / session6 days
Yahoohttps://policies.yahoo.com/xa/en/yahoo/privacy/index.htm
SnapThe sc_at cookie anonymously identifies device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.Persistent13 monthsSnaphttps://www.snap.com/en-GB/cookie-policy
SnapThe _sctr cookie lets us improve application functionality. The benefit of the cookie is to understand the effectiveness of partnering with Snap.Persistent7 daysSnaphttps://www.snap.com/en-GB/cookie-policy
SnapThe _scid cookie lets us anonymously identify device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.Persistent13 monthsSnaphttps://www.snap.com/en-GB/cookie-policy
rdt_uuidThe purpose of the cookie is to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficientlyPersistent90 daysNo third parties involved
Quora AdsThe Quora cookie helps us to identify users who’ve seen Wise ads on Quora. This helps us to run our ads more efficiently.Persistent, Session90 daysFacebook, Twitter, LinkedIn, Google Analytics, Ad Services and Other Service Providershttps://www.quora.com/about/pixel_privacy
PodsightsThe purpose of this cookie is to help us to link podcast listeners who were exposed to our audio ads with on-site conversionsPersistent365 daysNo third parties involvedhttps://podsights.com/privacy/
Amazon Ads
The purpose of the ad-id cookie is to help us track conversions that can be attributed to advertising on Amazon properties.Persistent
The purpose of the ad-privacy cookie is to store the opt-out status of a user, so no ads will be shown to them.Persistent
The purpose of the sis-device-id cookie is to identify the browser you are using.Persistent
9 monthsNo third parties involved
Prospect Point Media
The purpose of the bpm_cookie and ppm_fpc cookie is to help us track conversions that can be attributed to advertising on Spotify and Pandora properties.Persistent
The bito and bitoIsSecure cookies are used by Prospect Point Media to enable it to augment listener data in order to evaluate and improve the effectiveness of the Ad Airings it purchases on our behalf.Persistent
1 yearProspect Point Media, Beeswaxhttp://blisspointmedia.com/privacy; https://www.beeswax.com/privacy/
Speedcurve
Track real user performance metrics for our websites.Session
The lux_uid cookie is used by Speedcurve to track real user performance metrics across our websites.Session
30 MinutesSpeedcurvehttps://speedcurve.readme.io/docs/data-protection-gdpr-compliance
gidThis cookie is used to count unique visitors to our website and to measure the use of our products.Persistent1 yearNo third parties involved
guest_id_marketingThis cookie is used to detect whether a user is logged into Twitter, to help with sharing of content from Wise website.-2 yearTwitterPrivacy Policy
guest_id_adsThis cookie is used due to Twitter integration and sharing capabilities for the social media network and sharing capabilities within the Wise website.-2 yearTwitterPrivacy Policy
SRM_BThis cookie is used in conjunction with Bing services.-13 monthsAtlas, c.bing.comPrivacy Policy
tuuid_luThis cookie contains a unique visitor ID, which allows Bidswitch.com to track the visitor across multiple websites. This allows Bidswitch to optimize advertisement relevance and ensure that the visitor does not see the same ads multiple times.-1 yearbidswitch.net
tuuidThis cookie is used to identify individual users.-1 yearPlatform161Privacy Policy
UserMatchHistoryThese cookies are associated with a B2B marketing platform, formerly known as Bizo, which is now owned by LinkedIn, the business networking platform. This sub-domain is connected with LinkedIn's marketing services that enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.-30 daysLinkedInPrivacy Policy
__pdstThis cookie is used to track Hubspots podcast advertising results.-1 yearHubspot
PugTThis cookie is used to track when cookies were updated on the browser, in order to limit the number of calls to the server-side cookie store.Persistent30 daysPubmaticPrivacy Policy
_uetvidThis cookie is used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.-13 monthsGoogle Tag ManagerPrivacy Policy
TDCPMThis cookie is used to register a unique ID that identifies a returning user’s device. The ID is used for targeted ads.-1 yearThe Trade Desk, .adsrvr.orgPrivacy Policy
langThis cookie is used to remember a user's language setting to ensure LinkedIn.com displays in the language selected by the user in their settings.Session-ads.linkedin.com
_rdt_uuidThis cookie is used to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficiently.-90 daysNo third parties involved
KRTBCOOKIE_#This cookie is used to correlate user IDs with those of their partners (such as demand side platform clients or other advertising technology companies). Pubmatic passes the information stored by the partner in this cookie to the partner when it is considering whether to purchase advertisements. This enables the partner to make better decisions about whether to display an advertisement to a site visitor.-90 daysPubmaticPrivacy Policy
_fbpThis cookie is used to identify visitors for personalized advertising.-90 daysFacebookPrivacy Policy
CMIDThis cookie is used to anonymously track a user, and to use the data used for targeted advertising.Persistent1 yearCasale MediaPrivacy Policy
CMPSThis cookie is used to anonymously track a user, and to use the data used for targeted advertising.Persistent90 daysCasale MediaPrivacy Policy
CMPROThis cookie is used to anonymously track a user, and to use the data used for targeted advertising.Persistent90 daysCasale MediaPrivacy Policy
uuid2This cookie is used to buy, sell, and deliver online advertising, including interest-based advertising, mostly through real-time bidding.-90 daysApp NexusPrivacy Policy
_uetvid_expThis cookie is used to contain the expiry-date for the cookie with corresponding name.Persistent-Google Tag ManagerPrivacy Policy
_uetsid_expThis cookie is used to contain the expiry-date for the cookie with corresponding name.Persistent-Google Tag ManagerPrivacy Policy
IDEThis cookie is used to measure the conversion rate of ads presented to the user.-18 monthsDoubleClick, GooglePrivacy Policy
bcookieThis cookie is used to optimize the range of advertising on Linkedin.-1 yearLinkedin Ad AnalyticsPrivacy Policy
_uetsidThis cookie is used to collect data on visitor behaviour from multiple websites, in order to present more relevant advertisement This also allows the website to limit the number of times that they are shown the same advertisement.Persistent13 monthsBing (Microsoft)Privacy Policy
test_cookieThis cookie is used to check if the user’s browser supports cookies.Session15 minutesDoubleClick, GooglePrivacy Policy
muc_adsThis cookie is used to collect data on user behaviour and interaction in order to optimize the website and make advertisement on the website more relevant.-2 yearsTwitter, .t.coPrivacy Policy
TDIDThis cookie is used to contain a unique randomly-generated value that enables the platform to distinguish browsers and devices.-1 yearThe Trade Desk, .adsrvr.orgPrivacy Policy
_uetvidThis cookie is used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.Persistent13 monthsBing (Microsoft)Privacy Policy
t-ipThis cookie is used to track TV ad performance.-5 minutesTatari
ANONCHKThis cookie is used by Bing as a unique user identifier for users seeing bing ads.-10 minutesBing, .c.clarity.ms, Microsoft CorporationPrivacy Policy
lidcThis cookie is used to enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.-1 dayLinkedInPrivacy Policy
_uetsid_expThis cookie is used to enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.-1 dayLinkedInPrivacy Policy
adal_out_queue_adalyserTracker_getUsed to track the visitor across multiple devices including TV. This is done in order to re-target the visitor through multiple channels.PersistentN/AAdalyserPrivacy Policy
_yjsu_yjadUsed for tracking from Yahoo Japan.PersistentN/AYahoo JapanPrivacy Policy
__mpq_e605c449bdf99389fa3ba674d4f5d919_evCollects data on user behaviour and interaction in order to optimize the website and make advertisement on the website more relevant.PersistentN/AMixpanelPrivacy Policy
__mp_opt_in_out_e605c449bdf99389fa3ba674d4f5d919Used to tell mixpanel whether tracking should be opted in or not.PersistentN/AMixpanelPrivacy Policy
_tq_id.TV-7290902709-1.649bThis cookie is used to track the effectiveness of our TV advertising. It does this by combining anonymous web data (sessions, page views, conversion timings) with TV advert air time data.Persistent2 yearsTV Squared
cThis cookie is used to regulate synchronisation of user identification and exchange of user data between various ad services.Persistent1 yearBidswitchhttps://www.bidswitch.com/privacy-policy
A3This cookie is set in third party websites and apps.Persistent1 yearYahooPrivacy policy
li_sugrThis cookie is used to make a probabilistic match of a user's identity outside the Designated Countries.Persistent3 months.linkedin.comPrivacy policy
AnalyticsSyncHistoryThis cookie is used to store information about the time a sync took place with the lms_analytics cookie.Persistent1 month.linkedin.comPrivacy policy
SIMILAR TECHNOLOGIES 
Facebook IntegrationsWe use the Facebook button on our website in order to link users to our Facebook profile. We may use Facebook's advertising services. In providing these services Facebook may collect certain information about our website visitors.Facebookhttps://developers.facebook.com/docs/facebook-pixel/implementation/gdpr/
Google AdWordsWe may use Google's advertising services which may include re-marketing, re-engagement or similar audience features in Google Ads that would allow us to reach people who previously visited our website, and match the right people with the right message. Google may display ads about our website or our services when you are browsing other websites. In providing these services Google may collect certain information about our website visitors.Googlehttps://policies.google.com/privacy
Youtube IntegrationsWe use Youtube to embed videos on our website. In providing this service Google may collect certain information about our website visitors.

yt-player-* and yt-remote-* are session-based HTML storage keys that we use to manage the behaviour of the integrated YouTube video player.

Youtubehttps://policies.google.com/privacy?hl=en&gl=uk
Google PayWe use Google Pay as a payment method on the website. In providing this service Google may collect certain information about our website visitors.https://policies.google.com/privacy