· finance

Wise vs Revolut

Revolut's policy answers the question and is graded D. Wise's doesn't say either way. That's a finding about the document, not a worse grade.

Grades read the plan most people are on. Each company's full entry has every plan, every clause and the archived copy it was read from.

Wise

Wise's assistant terms say your chat interactions are used to "refine the accuracy and improve the output" of an assistant built on third-party language models. Neither document says train.

Verdict

By default: The policy does not say
The way out: Nothing to opt out of on the record
Last checked: 5 Oct 2026

Read the full verdict →

Revolut

Revolut trains internal models on customer data, including credit decisions made by AI with no human input. You can object — but it warns that objecting may cost you the account.

Verdict

By default: Trains on you by default
The way out: Opt out by contacting support
What D means: On by default. An opt-out exists, but you have to go looking for it.
Last checked: 5 Oct 2026

Read the full verdict →

Wise: every plan

Wise · what each plan can refuse · checked 5 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All customers

UNCLEAR

Not established, see below

Not stated

—

Not established

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

EXPOSURE IS SCORED 0–100 ON ONE AXIS, HOW HARD IT IS TO STOP THIS PLAN TRAINING ON YOU. THE GRADE IS THE BAND IT FALLS IN: A 0–10 · B 11–25 · C 26–45 · D 46–60 · E 61–80 · F 81–100. HOW THE SCORE IS SET

All customersUNCLEAR

OPT-OUT: Not established
RETENTION: Not stated
EXPOSURE: —
DE-IDENTIFIED: —
HUMAN REVIEW: Not established

Revolut: every plan

Revolut · what each plan can refuse · checked 5 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All accounts

56 / 100

YES

Contact support

Not stated

Yes, with opt-out

How the score is made56 / 100 · the rubric

Default32 / 50

On by default, with a way out

Way out18 / 33

Refusing means writing to the company

Paywall0 / 4

No paywall on the control

Scope2 / 4

3 kinds of data are in scope

Human review2 / 4

People may read it unless you opt out

De-identified2 / 2

Nothing is said about de-identification

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

All accountsTRAINS: YES

OPT-OUT: Contact support
RETENTION: Not stated
EXPOSURE: 56 / 100
DE-IDENTIFIED: Not stated
HUMAN REVIEW: Yes, with opt-out

Every grade on this page is the one on the company's own entry, read from a dated, archived copy of its policy. Nothing here is computed separately. How grades are set · All comparisons