Wise is not a single account with one ledger — it is a multi-currency account where each currency balance, and each Jar inside it, keeps its own running total. A statement is generated for the currencies and Jars you select over a period of up to 365 days at a time, so selecting several balances at once gives you a zip of separate statements rather than one combined document. The transaction mix is unusual too: alongside ordinary card spending and incoming payments you get currency conversions, which appear as a debit in one balance and a credit in another, plus explicitly itemised Wise fees. That combination is what makes a Wise statement easy to misread and worth verifying rather than trusting.
- Currency conversions are two halves of one movement — the debit side and the credit side sit in different balances, and both need to land in the CSV.
- Itemised fees stay as their own rows rather than being quietly folded into the transaction that triggered them.
- Jars are part of the statement, so money moved into and out of a Jar shows up as real transactions rather than disappearing.
- The printed balances are used to verify the output, so a dropped or duplicated row surfaces as a DISCREPANCY instead of passing silently.