Wise is a London-based fintech founded in 2011 specialising in international money transfers and currency exchange.
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Wise discloses a single 2022 emissions figure (33,952 tCO2e) without Scope 3 breakdown, third-party verification, or updated data despite rapid growth doubling headcount and tripling revenue. No science-based targets, no renewable energy percentage, and emissions trajectory remains unmeasured. The company offsets rather than reduces.
Wise scores 40/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Fees pay for the review, never the result. Last verified May 2026.
That places Wise joint 366th of 847 companies scored, and joint 15th of 51 in Financial Services / Banking.
Where Wise sits among financial services / banking peers.
Among the 51 major financial services / banking brands we've scored, Wise is tied =15th of 51, with 2 others.
Its three lowest-scoring questions, and what the evidence didn't show.
Only single 2022 figure disclosed.
Limited supplier ESG scoring noted and AWS cloud efficiency mentioned, but no formal value chain mapping, Scope 3 inventory, or engagement programme evident for 6,500-employee company.
No biodiversity policy, TNFD disclosure, or nature impact assessment published.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →Strongest on Controversies & Red Flags and Carbon Footprint — Operations (10/10, 4/10). Weakest on Emissions Trajectory and Carbon Footprint — Supply Chain (1/10, 2/10).
The 3 companies in the sector scoring nearest above Wise.
Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender.
See the breakdown →TSB shows basic operational carbon management but critical gaps in financed emissions disclosure and supply chain accountability.
See the breakdown →ICG has delivered measurable operational decarbonisation—85% Scope 1+2 reduction, SBTi-validated targets, 100% renewable electricity—but material financed emissions lack absolute quantification.
See the breakdown →The formula and all 6 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale6 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
This company's public sustainability disclosure is limited. This score is based on the 6 verified sources cited below, rather than padded to a standard count.
Limited data coverage. This assessment is based on 6 sources, 100% of which are self-reported by the company. Scores may change as independent evidence becomes available.
If you believe a source has been misread or a newer version exists, submit a challenge.
Wise is a London-based fintech founded in 2011 specialising in international money transfers and currency exchange. With 6,500 employees across multiple offices and $2+ billion annual revenue, it operates primarily as a cloud-native platform using AWS infrastructure. The company holds a UK banking licence and serves millions of customers globally.
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