Resolving Financial Holds and Compliance Blocks
Having your Wise account deactivated is a major financial disruption, especially for digital nomads and international businesses. Often, Wise holds funds for “60 days” or more during an investigation. Accounts Keeper helps you navigate the AML (Anti-Money Laundering) and KYC (Know Your Customer) inquiries to get your money moving again.
Why Wise Accounts Get Deactivated
- Source of Wealth (SoW) Inquiries:
Failure to provide clear documentation on where your money came from. - High-Risk Transactions:
Sending or receiving money related to crypto, gambling, or sanctioned regions. - Business Nature Misalignment:
Using a personal account for high-volume business transactions. - Verification Discrepancies:
Differences between your registered address and your actual location or bank documents.
Why Accounts Keeper?
Financial platforms are legally bound by “Tipping Off” rules, meaning they won’t tell you exactly why you’re banned. We help by:
- Document Auditing:
We review your invoices and bank statements to ensure they meet Wise’s strict compliance standards. - Legal Framing:
We help you draft “Letters of Explanation” that satisfy compliance officers. - Fund Recovery:
Our primary goal is account restoration, but if that fails, we focus on the immediate release of your held balance.
Our Commitment
We treat your Wise account as the core business infrastructure it is. Our approach is built on three principles:
Transparency:We will give you an honest assessment of your recovery options before you commit to anything.
Compliance Expertise:Our guidance is grounded in Wise’s official policies, Risk team documentation, and real-world enforcement patterns — not speculation.
Structured Communication:Every response we help prepare is formatted to meet the evidentiary standards that Wise’s compliance reviewers require.Our Recovery Process
- Financial Audit:
We look at your recent transaction history to find the “red flag.” - Evidence Gathering:
We help you organize professional invoices, contracts, and tax returns. - Compliance Appeal:
We submit a formal response to the Wise Appeals Team.
Pricing
DIY Recovery Manual: $39 (Step-by-step guide for standard violations)
Full Consulting Service: $699 (One-on-one expert management and custom appeal drafting)
Frequently Asked Questions
Q: Wise said my money will be held for 60 days. Can you get it faster?
A: While Wise has internal timelines, providing a “clean” set of documents early can often resolve the “investigation” phase in a matter of days rather than months.
Q: Can I just open a new account?
A: No. Wise is excellent at detecting “multi-accounting.” A second account will be banned almost immediately, further damaging your reputation with them.
Q: My account was banned for Crypto activity. Is there a fix?
A: Wise is very strict about P2P crypto. We can help you prove the legitimacy of the funds, though they may still ask you to move your business elsewhere.
Q: What documents do I need?
A: Usually, bank statements from the sending/receiving accounts, signed contracts, and proof of your business registration.
Q: Is this service a “legal” service?
A: We provide administrative and compliance consulting. We are not a law firm, but we use the same policy-based logic that compliance officers look for.