Why This Happens
Wise is legally required under anti-money laundering (AML) regulations to verify the source of funds for certain transactions. Large transfers, sudden increases in volume, transfers to/from certain regions, or account activity inconsistent with your declared purpose all trigger source of funds checks. This is a standard compliance procedure, not an accusation.
Example Notification
"We need to verify the source of funds for a recent transfer. Please provide documentation showing where these funds originated."
Compliance Steps
Identify which source applies: employment, business revenue, investments, property sale, inheritance
Gather primary documentation (pay stubs, invoices, sale contracts, brokerage statements)
Provide bank statements showing the fund trail from source to Wise
Submit all documents through the link in Wise's request email
Respond before the deadline — failure to respond leads to account closure
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