Stillcode › Two-factor authentication › Wise
Wise publishes software of its own for this and also takes an open authenticator code. What choosing either one commits you to, and what happens when the phone holding those codes is gone.
These are the second factors Wise offers on wise.com. Which ones you
see can depend on your plan and your country;
what each of the seven actually costs you is set out once.
| Method | What it is | |
|---|---|---|
| Authenticator app (TOTP) | Supported | Computed on your own device; nothing is sent to produce it. |
| The service’s own app | Supported | Software this service publishes; it works, and only here. |
| SMS text message | Supported | Texted to your number, so your carrier is part of the lock. |
| Voice call | Supported | Read out over a call; the same carrier dependency as SMS. |
| Hardware security key | Not offered | A physical key you tap; the one option phishing does not beat. |
Wise's own caveat, as recorded in the directory: SMS 2FA must be enabled before software methods can be enabled.
Data sourced from 2FA Directory by 2factorauth. Snapshot 2026-09-24.
Wise offers both SMS and an authenticator app. They are not equivalent — a texted code depends on your mobile carrier and survives no longer than control of your phone number, while a generated code never travels. If both are enabled, the account is only as strong as the weaker one, because an attacker picks.
Wise also publishes its own app for this — Wise App. It works, and it works only here: an account secured that way needs that software on whatever device you are holding.
Of the fifty services on this site, nine publish software of their own as a second factor,
and Wise is one of them. No other service here accepts exactly this combination of factors. No other service here carries the finance label at all.
The directory files Wise under finance, records four of the seven second
factors it tracks, and points at instructions published at
wise.com/help/articles/2932125.
Wise is wise.com, and the same account also signs you in at
transferwise.com. Two-factor authentication
is a property of the account, not of the address you happened to type — switch it on once
and every one of those is covered. That also means losing the second factor loses all of them at
once.
Wise's own instructions: Wise — two-factor authentication — linked, never copied, because a stale menu path here locks people out.
Wise publishes no dedicated page for losing your second factor, which in practice means the route back is ordinary account recovery: proving who you are to support, on their timetable.
Background: how the codes work · what still works when the phone is gone.
An iPhone, iPad and Mac authenticator for these codes that makes no network calls at all. What is free and what Pro adds. Get it on the App Store