Public Evidence Packet
Wise - UK Personal Customer Agreement
UK Personal Customer Agreement
b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697- Screening date
- 30 Oct 2026, 15:42 UTC
- Jurisdiction
- UK
- Risk screening
- High · 8/10
- Score trace
- Baseline; no earlier public change
This packet records PolicyWatcher evidence and AI-assisted screening for one public change. It is not legal advice, a compliance verdict, a certification, or proof that the external source remains unchanged.
- 01Source evidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source evidence
- Publication gate
- Published
- Retrieval state
- Recorded retrieval available
- Latest retrieval
- 30 Oct 2026, 15:42 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
de95b2855a283541eefdf2841e47e8e4cc089a1fd1ddbd240bb3d85cabc56652Captured 02 Oct 2026, 04:58 UTC82500df9399c4a661a5f50a9621695937d8b996b185bfa2a1c91a5af07f25a87Captured 30 Oct 2026, 15:42 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
The new Auto Top-Up feature offers convenience but reduces granular control over recurring card payments and shifts liability for failed top-ups to the user.
- Reason 1+1 score contribution
New Auto Top-Up feature adds complexity to account management.
- Related KPI
- Automated decisions
- Source side
- new snapshot
Verified exact source passage
“For certain currencies, you may be able to set up your Wise Account to add money automatically from a Pay-In Method when the conditions you choose are met, for example when the balance in your Main Account falls below an amount you select (”
- Reason 2+1 score contribution
Recurring card payments need only initial authentication, reducing ongoing control.
- Related KPI
- Consent mechanism
- Source side
- new snapshot
Verified exact source passage
“Where you fund an Auto Top-Up from a credit card or debit card, you will be asked to confirm and authenticate your instruction when you set it up. That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you t”
- Reason 3+1 score contribution
Wise is not responsible for consequences of failed Auto Top-Ups.
- Related KPI
- Regulatory compliance
- Source side
- new snapshot
Verified exact source passage
“Subject to section 29, we will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.”
Score reasons and deltaScore values are stored AI-assisted screening outputs. Verified anchors confirm only that the quoted passage occurs in the named snapshot; they do not prove the interpretation.
Advisory review map
Governance Relevance
EU AI Act
Official Journal text, 2024
Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?
- AI training opt-out
- Not Available
- Algorithmic transparency
- Opaque
- Automated decisions
- Partial
- AI bias and fairness
- Absent
ISO/IEC 42001
ISO/IEC 42001:2023 overview
Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?
- Algorithmic transparency
- Opaque
- AI bias and fairness
- Absent
- Independent audit
- Absent
- Regulatory compliance
- Comprehensive
NIST AI RMF
AI RMF 1.0; NIST revision in progress, checked 2026-07-29
Which recorded policy statements may support Govern, Map, Measure or Manage review questions?
- Algorithmic transparency
- Opaque
- Automated decisions
- Partial
- AI bias and fairness
- Absent
OECD AI Principles
OECD AI Principles, updated 2024
Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?
- Consent mechanism
- Opt-Out
- Algorithmic transparency
- Opaque
- AI bias and fairness
- Absent
- Independent audit
- Absent
Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.
Exact change-bound files
Report Output
Both files are generated from this exact change ID.
Download exact-change PDF Download exact-change JSON28796bc17c6796c65c228b0851e93108b514d648139fea4af633889d4f56f8e1Questions before reuse
- Does the original UK Personal Customer Agreement source still match the recorded public snapshot version 2?
- Do the cited source passages support each displayed reason, KPI value and regional note?
- Which advisory framework topics require specialist legal, risk or governance review for this use case?
- Has a later public change superseded this packet before it is reused in a decision or publication?