AI incidents at Wise

Last swept Oct 22, 2026 · 0 incidents on record

Has Wise had a publicly reported AI incident?

As of Oct 22, 2026, BankingNewsAI's sweep (12 queries, 1 candidate story reviewed) found no publicly reported AI incident at Wise that meets the register's sourcing bar. That is a dated finding about public reporting, not a statement that nothing happened.

Wise's AI incidents since January 2022 against the industryWise: no incident on record. Grey dots: the other 113 incidents in the register.Feb 8, 2022: Budapest Bank Zrt. — Hungarian DPA fines Budapest Bank HUF 250m for AI emotion analysis of customer-service calls (Regulatory finding, severity 2 of 5)Feb 11, 2022: Binance / BAM Trading Services (Binance.US) and Jumio — Binance users' biometric-privacy suits over Jumio face scans survived dismissal (Litigation, severity 1 of 5)Feb 17, 2022: Wells Fargo Bank, N.A. — Suits alleged Wells Fargo's automated mortgage underwriting discriminated against minority applicants (Litigation, severity 3 of 5)Mar 17, 2022: Robinhood Financial LLC — State regulators fault Robinhood's wholly automated options and margin approvals (Regulatory finding, severity 3 of 5)Mar 28, 2022: Klarna Bank AB — Swedish DPA fines Klarna SEK 7.5m, partly for not explaining its automated credit decisions (Regulatory finding, severity 2 of 5)Apr 14, 2022: N26 — N26's new anti-fraud measure wrongly closes customer accounts; co-founder apologises (Fraud model, severity 2 of 5)May 2, 2022: Citigroup (Citigroup Global Markets Limited) — Citi trading algorithm sells $1.4bn of European stocks after an input error; UK and German fines (Trading automation, severity 4 of 5)May 20, 2022: Wells Fargo Clearing Services (Wells Fargo Advisors) — SEC fines Wells Fargo Advisors $7m after an untested AML monitoring upgrade missed alerts on 1,708 wires (Other, severity 3 of 5)Jun 13, 2022: The Charles Schwab Corporation (Schwab Intelligent Portfolios) — SEC: Schwab's robo-adviser cash was pre-set for revenue, not by its portfolio methodology; $187m settlement (Regulatory finding, severity 4 of 5)Jun 21, 2022: Svea Bank AB and Resurs Bank AB — Swedish FSA fines Svea Bank and Resurs Bank SEK 95m over largely automated, score-based credit checks (Regulatory finding, severity 3 of 5)Jul 2022: Binance — Binance says scammers used an AI deepfake of its communications chief in listing-scam calls (Deepfake fraud, severity 1 of 5)Jul 14, 2022: Bank of America — Regulators fine Bank of America $225m over automated fraud filter that froze unemployment-benefit cards (Fraud model, severity 4 of 5)Jul 26, 2022: Upstart — Investors' class action says Upstart misled them about its AI underwriting model (Litigation, severity 2 of 5)Aug 10, 2022: Oportun — CFPB fines Oportun's Hello Digit $2.7m after its automated savings algorithm overdrafted customers (Other, severity 3 of 5)Aug 19, 2022: Citigroup Global Markets Limited — FCA fines Citigroup Global Markets £12.6m for gaps in its automated trade surveillance (Regulatory finding, severity 3 of 5)Sep 10, 2022: Bank of America, Capital One and TD Bank, N.A. — Callers sued Bank of America, Capital One, TD Bank, TD Ameritrade and Fidelity over voiceprint caller ID (Litigation, severity 1 of 5)Sep 13, 2022: Danske Bank A/S (Irish branch) — Central Bank of Ireland fines Danske €1.82m after automated monitoring filters skipped 348,000 transactions (Regulatory finding, severity 3 of 5)Oct 3, 2022: The Charles Schwab Corporation — Class action alleged Schwab's Voice ID examined callers' voiceprints without written consent (Litigation, severity 1 of 5)Oct 6, 2022: JPMorgan Chase — Callers sued over Nuance voice biometrics on Chase customer-service calls (Litigation, severity 1 of 5)Nov 27, 2022: Webster Bank, N.A. — Breach at ML fraud-analytics vendor Guardian Analytics exposes Webster Bank customers' data (Vendor AI breach, severity 3 of 5)Dec 1, 2022: Bluevine Inc., Womply (Oto Analytics, Inc.), Blueacorn and Kabbage — House panel finds fintech PPP screens let fraud through; Bluevine improved only under bank pressure (Regulatory finding, severity 4 of 5)Dec 1, 2022: Caisse régionale de Crédit Agricole Mutuel du Languedoc — ACPR fines Crédit Agricole du Languedoc €1.5m over gaps in automated monitoring found with its AI tool (Regulatory finding, severity 3 of 5)Dec 20, 2022: Wells Fargo Bank, N.A. — CFPB: Wells Fargo froze more than 1 million deposit accounts on an automated fraud filter's flags (Fraud model, severity 4 of 5)2023: Bank of America — AI clone of a client's voice calls a Bank of America banker to move money; attempt fails (Voice clone, severity 1 of 5)2023: Barclays Bank UK plc — Barclays' automated programme wrongly removed 5,141 live mortgage charges from the Land Registry (Other, severity 3 of 5)Jan 4, 2023: Wells Fargo — DoNotPay says an AI voice clone got Wells Fargo to refund fees; the bank says the call didn't happen as shown (Voice clone, severity 1 of 5)Feb 15, 2023: Axa Banque — ACPR fines Axa Banque €1m over unsuitable automated transaction-monitoring scenarios (Regulatory finding, severity 3 of 5)Feb 22, 2023: Lloyds Bank (Lloyds Banking Group) — Vice reporter breaks into his own Lloyds account with an AI-cloned voice (Voice clone, severity 1 of 5)Feb 22, 2023: Rabobank — Dutch rights institute finds Rabobank's automatic account-refusal rule discriminated on nationality (Bias finding, severity 2 of 5)Mar 31, 2023: Capital One (named in the complaint, not a defendant) — Capital One caller sued Amazon Web Services over Amazon Connect voiceprints and call recording (Litigation, severity 1 of 5)Apr 18, 2023: Betterment — SEC fines robo-adviser Betterment $9m after coding errors stopped automated tax-loss harvesting (Other, severity 3 of 5)Apr 28, 2023: JPMorgan Chase (Chase) — WSJ columnist's AI voice clone passes Chase credit-card voice biometrics (Voice clone, severity 1 of 5)May 1, 2023: Coinbase — Coinbase sued under Illinois BIPA over face-scan identity verification (Litigation, severity 1 of 5)May 26, 2023: Commonwealth Bank of Australia — Scam ads use AI-generated videos of Commonwealth Bank CEO Matt Comyn to promote a fake 'AI' income platform (Brand impersonation, severity 1 of 5)May 31, 2023: Deutsche Kreditbank AG (DKB) — Berlin DPA fines a bank, reported as DKB, €300,000 over an unexplained automated credit-card refusal (Regulatory finding, severity 2 of 5)Jul 2023: ICICI Bank — ICICI 'blink' liveness check failure leads India's Supreme Court to order inclusive digital KYC (Bias finding, severity 3 of 5)Aug 27, 2023: Fortress Trust and Retool — Deepfaked voice in Retool breach linked to about $15m crypto theft at Fortress Trust (Voice clone, severity 3 of 5)Sep 2023: bunq — Scammers deepfake bunq CEO Ali Niknam on a video call to ask staff for a large transfer (Deepfake fraud, severity 1 of 5)Sep 25, 2023: National Westminster Bank plc — Ombudsman: NatWest's chatbot failed a disabled customer and never logged his complaint (Chatbot failure, severity 2 of 5)Nov 2, 2023: Payoneer — NYDFS fines Payoneer $1.25m after weak screening algorithms let sanctioned-party payments through (Regulatory finding, severity 3 of 5)Nov 21, 2023: Chime (named in the complaint, not a defendant) — Chime applicants' face-scan suit against ID vendor Incode ended in a $4 million BIPA settlement (Litigation, severity 2 of 5)Dec 2023: Revolut — Revolut faces Illinois BIPA class action over selfie identity checks (Litigation, severity 1 of 5)Dec 17, 2023: Navy Federal Credit Union — Suits alleged Navy Federal's semi-automated mortgage underwriting discriminated against minority applicants (Litigation, severity 2 of 5)Jan 2024: Banxso (Pty) Ltd — Deepfake Musk and Rupert ads funnelled South Africans to Banxso; FSCA pulls licence and fines it R2bn (Deepfake fraud, severity 4 of 5)2024: ING Groep N.V. — ING manager gets a fake voicemail from 'CEO Steven van Rijswijk' about a confidential project (Voice clone, severity 1 of 5)Feb 5, 2024: OKX and OnlyFake — 404 Media passes OKX identity checks with a fake ID from 'neural network' site OnlyFake (Synthetic identity, severity 1 of 5)Mar 5, 2024: Sberbank — Russian courts uphold fines on Sberbank over its robot debt collector's calls (Agent / automation, severity 2 of 5)Mar 14, 2024: JPMorgan Chase — JPMorgan Chase fined $348.2m by the OCC and Federal Reserve over gaps in its trade surveillance (2024) (Regulatory finding, severity 4 of 5)Mar 18, 2024: Delphia (USA) Inc. and Global Predictions Inc. — SEC's first 'AI-washing' cases: robo-advisers Delphia and Global Predictions pay $400,000 (AI-washing, severity 3 of 5)Mar 27, 2024: Upstart — Independent monitor finds approval disparities for Black applicants in Upstart's AI lending model (Bias finding, severity 2 of 5)Apr 19, 2024: Macquarie Bank Limited — Court orders Macquarie Bank to pay A$10m after its bulk fee-withdrawal system lacked effective fraud controls (Regulatory finding, severity 3 of 5)May 2, 2024: SoFi Securities LLC (SoFi Technologies) — FINRA fines SoFi $1.1m after fraudsters beat its largely automated account-opening checks (Regulatory finding, severity 3 of 5)May 12, 2024: Isracard — Bank of Israel fines Isracard NIS 700,000 for opening accounts with unapproved remote facial identification (Regulatory finding, severity 2 of 5)Jul 25, 2024: ING Bank N.V. — Dutch human-rights institute finds ING's automated payment screening discriminated over non-Dutch names (Bias finding, severity 3 of 5)Aug 30, 2024: Brex Treasury LLC — FINRA fines Brex Treasury over an untested machine-learning account-risk model in its AML onboarding (Regulatory finding, severity 3 of 5)Oct 2, 2024: Starling Bank — FCA fines Starling £29m after its automated sanctions screening checked only part of the list (Regulatory finding, severity 4 of 5)Oct 10, 2024: Rimar Capital USA, Inc. / Rimar Capital, LLC — SEC charges Rimar Capital over false claims of an AI-driven trading platform (AI-washing, severity 3 of 5)Oct 10, 2024: TD Bank, N.A. and The Toronto-Dominion Bank (TD Bank Group) — TD Bank pleads guilty after excluding 92% of US transaction volume from its automated AML monitoring (Regulatory finding, severity 5 of 5)Oct 28, 2024: Lendistry (B.S.D. Capital, Inc.) and Plaid — Grant applicants sue lender Lendistry, alleging its tech partners harvested their data for AI (Litigation, severity 1 of 5)Nov 5, 2024: PlainsCapital Bank (Hilltop Holdings) and Pathward, N.A. — PlainsCapital Bank customer sues after an alleged AI voice clone redirected a $20,000 transfer (Voice clone, severity 2 of 5)Nov 12, 2024: Metro Bank — FCA fines Metro Bank £16.7m after its automated transaction monitoring missed 60m transactions (Regulatory finding, severity 3 of 5)Nov 28, 2024: Santander UK (Banco Santander) and Halifax (Lloyds Banking Group) — BBC reporter's AI-cloned voice passes Santander and Halifax phone-banking Voice ID (Voice clone, severity 1 of 5)Dec 7, 2024: Kasikornbank — Thai court orders Kasikornbank to pay part of a loss to an AI face-swap fake-official video-call scam (Deepfake fraud, severity 2 of 5)Dec 16, 2024: State Bank of India — SBI warns that deepfake videos of its top management are promoting investment scams (Brand impersonation, severity 1 of 5)Jan 2025: Virgin Money UK — Virgin Money chatbot tells a customer not to use the word 'Virgin'; bank removes it (Chatbot failure, severity 1 of 5)Jan 21, 2025: DNB Bank — Deepfaked DNB executives in a fake Teams meeting try to get Singapore staff to pay out millions (Deepfake fraud, severity 1 of 5)Jan 22, 2025: Kakao Pay — Korea fines Kakao Pay KRW 5.97bn for sending 40m users' data to Alipay to build a credit-risk scoring model (Regulatory finding, severity 3 of 5)Feb 2025: Bank of America — AI-generated videos of Trump, Musk and Bank of America's CEO push a fake 'Golden Eagles' coin scheme (Brand impersonation, severity 2 of 5)Feb 2025: Danske Bank — Deepfake videos and AI images of Danske Bank's CEO and former CEO push fake investment platforms (Brand impersonation, severity 1 of 5)Feb 17, 2025: Danske Bank — Criminals use AI-manipulated video and audio of Danske Bank's leadership to try to defraud the bank (Deepfake fraud, severity 1 of 5)Mar 6, 2025: Robinhood Financial LLC and Robinhood Securities, LLC — FINRA: Robinhood's largely automated identity checks approved accounts despite red flags; $26m fine (Regulatory finding, severity 4 of 5)Mar 20, 2025: ABN AMRO Bank N.V. — Man used deepfaked selfies and ID photos to open 47 ABN AMRO accounts in other people's names (Deepfake fraud, severity 3 of 5)Mar 26, 2025: HSBC (Singapore) — Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered (Deepfake fraud, severity 2 of 5)Apr 2025: Goldman Sachs — Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams (Brand impersonation, severity 1 of 5)Apr 1, 2025: Kotak Mahindra Bank — AI-manipulated video of Uday Kotak promoting an investment scheme goes viral (Brand impersonation, severity 1 of 5)Apr 11, 2025: Nubank (Nu Holdings) — Deepfake videos push a fake 'Nubank indemnity' scam in Brazil (Brand impersonation, severity 1 of 5)Apr 15, 2025: Revolut Ltd — Ombudsman decisions record Revolut's AI chat assistant giving customers false payment and refund information (Chatbot failure, severity 1 of 5)Apr 28, 2025: JPMorgan Chase Bank, N.A. — Class action alleged JPMorgan's HireVue AI video interviews were an unlawful lie-detector test (Litigation, severity 2 of 5)May 8, 2025: Klarna — Klarna resumes hiring human agents after AI-first customer service produced 'lower quality' (AI job-cut reversal, severity 2 of 5)May 20, 2025: DBS Group Holdings — DBS warns deepfake videos of its leaders and staff are pushing investment scams (Brand impersonation, severity 1 of 5)Jun 4, 2025: Itaú Unibanco — Itaú flags AI-faked video of co-chair Pedro Moreira Salles promoting an investment link (Brand impersonation, severity 1 of 5)Jun 17, 2025: Bank of Montreal (BMO Financial Group) — Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors (Brand impersonation, severity 1 of 5)Jun 25, 2025: Nordea Bank Abp, filial i Norge — Norway's FSA finds Nordea's automated savings robot Nora gave unclear and partly misleading information (Regulatory finding, severity 3 of 5)Jul 2025: Banco Santander — Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms (Brand impersonation, severity 1 of 5)Jul 10, 2025: Earnest Operations LLC — Massachusetts AG settles with student lender Earnest for $2.5m over AI underwriting disparate impact (Bias finding, severity 3 of 5)Jul 22, 2025: Bank of Communications Co., Ltd., Hong Kong Branch — HKMA fines Bank of Communications Hong Kong Branch HK$3.7m over gaps in its transaction monitoring system (Regulatory finding, severity 2 of 5)Jul 29, 2025: Commonwealth Bank of Australia — Commonwealth Bank reverses 45 job cuts it attributed to an AI voice bot (AI job-cut reversal, severity 2 of 5)Aug 12, 2025: Toast, GreenSky, LLC and Fenergo — Breach of Salesloft's Drift AI chat agent exposes CRM data at Toast, GreenSky and Fenergo (Vendor AI breach, severity 3 of 5)Aug 23, 2025: PayPal — PayPal fraud-screening failure lets unvetted direct debits through; German banks block payments (Fraud model, severity 4 of 5)Sep 2, 2025: Banco Popular Dominicano — Banco Popular Dominicano reports a generative-AI deepfake of its executive president (Brand impersonation, severity 1 of 5)Sep 4, 2025: Nordea Bank Abp, filial i Sverige, SBAB Bank, Swedbank and Sparbanken Eken — Magazine test finds Nordea's Nova and SBAB's Bo chatbots fail to warn against a BankID phone scam (Chatbot failure, severity 1 of 5)Nov 4, 2025: Upstart — Upstart says its AI underwriting model over-reacted to macro signals, cutting approvals; investors sue (Credit decisioning, severity 3 of 5)Dec 9, 2025: PKO Bank Polski — PKO BP warns that criminals use AI to forge bank employee IDs in impersonation scams (Brand impersonation, severity 1 of 5)Jan 2026: Klarna — Klarna processed payments for nine months for shops advertising with celebrity deepfakes (Deepfake fraud, severity 2 of 5)Jan 21, 2026: National Australia Bank (nabtrade) — Scammers use AI-generated images of nabtrade analyst Tom Piotrowski in pump-and-dump share tips (Brand impersonation, severity 2 of 5)Feb 2026: Fideuram - Intesa Sanpaolo Private Banking and Intesa Sanpaolo — Fideuram wires €95m after fake Intesa CEO messages and an AI-cloned lawyer's voice (Voice clone, severity 4 of 5)Feb 24, 2026: Standard Chartered — Standard Chartered warns Thai investors of fake ads using AI to impersonate its executives (Brand impersonation, severity 1 of 5)Feb 26, 2026: Commonwealth Bank of Australia — Commonwealth Bank refers about A$1bn of suspect home loans, some reportedly AI-forged, to police (Other, severity 3 of 5)Mar 8, 2026: Block (Square, Cash App) — Block staff say its AI support chatbots told customers to close their accounts (Chatbot failure, severity 2 of 5)Mar 12, 2026: Intesa Sanpaolo S.p.A. and Isybank S.p.A. — Italy's privacy regulator fines Intesa Sanpaolo €17.6m for profiling 2.4m customers to move them to Isybank (Regulatory finding, severity 3 of 5)Apr 2026: Jio Payments Bank — Ahmedabad police: gang used Gemini-made deepfake videos to beat Aadhaar face checks and open bank accounts (Synthetic identity, severity 3 of 5)Apr 2026: Westpac New Zealand and Kiwibank — Deepfakes of Westpac NZ and Kiwibank chief executives used in Facebook investment-scam ads (Brand impersonation, severity 1 of 5)May 2026: Lloyds Bank — Lloyds refunds estate of 82-year-old customer lured by an AI Farage deepfake investment scam (Deepfake fraud, severity 2 of 5)May 4, 2026: Bankr (Bankrbot) and xAI (Grok) — Morse-code prompt injection via Grok makes AI wallet agent Bankrbot send about $150,000-200,000 in tokens (Prompt injection, severity 2 of 5)May 5, 2026: CB Financial Services, Inc. (Community Bank, Carmichaels, PA) — Community Bank files 8-K after an employee put customer SSNs into an unauthorized AI app (Data leak to an LLM, severity 3 of 5)May 13, 2026: Klarna and Pagaya Technologies — Pagaya sues Klarna, alleging it 'distilled' and misappropriated its AI underwriting model (Litigation, severity 2 of 5)Jun 3, 2026: Monzo and Barclays — AI-generated 'Monzo Slots' and 'Barclays Slots' casino ads impersonate UK banks on social media (Brand impersonation, severity 1 of 5)Jun 22, 2026: Deutsche Bank National Trust Company (as trustee) — D.C. Court of Appeals strikes Deutsche Bank National Trust brief citing four AI-invented cases (Litigation, severity 2 of 5)Jul 3, 2026: NatWest Group — Deepfake image of NatWest CEO Paul Thwaite spread on X as scam bait (Brand impersonation, severity 1 of 5)Sep 2026: Macquarie Group — Fake 'QUFC Exchange' crypto platform uses AI-generated videos of Macquarie executives (Brand impersonation, severity 1 of 5)Sep 17, 2026: Libra Internet Bank — Libra Internet Bank's OpenAI-based assistant 'Lia' calls a customer an 'idiot' (Chatbot failure, severity 1 of 5)Sep 29, 2026: Shinhan Bank, KB Kookmin Bank, Hana Bank, BNK Busan Bank and Yegaram Savings Bank — AI-agent-assisted intrusions breach Shinhan, KB Kookmin, Hana and 13 other Korean financial firms (Other, severity 5 of 5)Oct 2, 2026: U.S. Bank National Association (named in the complaint, not a defendant) — U.S. Bank customers sue Pegasystems alleging its Voice AI secretly analysed their customer-service calls (Litigation, severity 2 of 5)20222023202420252026
Wise in colour, every other incident in the register in grey · same scale as the hub timeline · dot size = severity

Incidents at other institutions in the same country first, newest first:

Entries come from the register of AI incidents at banks: events since January 2022, each sourced to two independent publishers or one official or court document, with the institution's response recorded. A sweep searches news, regulator, court and security sources for the institution by name; its date, query count and result are logged on the register's method section.

When AI goes wrong at a bank, the next morning's brief says so.

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