Wise PLC reports strong Q4 FY2026 results with 27% volume growth, 37% increase in customer holdings, and 24% rise in underlying income. Active customers grew 22% YoY to 11.3 million, with Wise Business customers up 26%. Cross-border take rate slightly decreased to 51bps, reflecting investment in long-term growth. FY2026 saw 25% volume growth and 18% underlying income growth. Wise remains on track for its Dual Listing on Nasdaq by May 2026, transitioning to USD and US GAAP reporting. The company continues to focus on building a global money network, with recent milestones including Payments Canada membership and UK current account launch.
| Metric | Q4 FY2025 | Q4 FY2026 | YoY Movement | YoY Movement (Constant CCY) |
|---|---|---|---|---|
| Cross-border volume (£ billion) | 39.1 | 49.4 | 26% | 27% |
| Underlying income (£ million) | 350.4 | 435.3 | 24% | 24% |
| Cross-border take rate (%) | 0.53% | 0.51% | -2 bps | - |
| Active Customers (thousand) | 9,291 | 11,290 | 22% | - |
| Customer balances (£ billion) | 17.1 | 22.6 | 33% | - |
| Card and other revenue (£ million) | 100.9 | 130.2 | 29% | 29% |
| Underlying interest income (first 1pct yield) (£ million) | 41.1 | 53.7 | 31% | 30% |
| Interest income (above the first 1pct yield) (£ million) | 103.7 | 96.7 | -7% | -7% |
| Benefits paid relating to customer balances (£ million) | -38.2 | -36.4 | -5% | -5% |