X0202 SCHEDULE 13G 0002131392 XXXXXXXX LIVE Class A Ordinary Shares 06/30/2026 0002099039 Wise Group plc G9723Y105 65 CLIFTON STREET LONDON X0 EC2A 4JE Rule 13d-1(d) Kristo Kaarmann b 1H 186858255.00 0.00 186858255.00 0.00 186858255.00 18.2 IN Wise Group plc 65 CLIFTON STREET, LONDON, X0, EC2A 4JE. Kristo Kaarmann (the "Reporting Person") c/o Wise Group plc 1st Floor Worship Sq. 65 Clifton Street London, UK EC2A 4JE Estonia Y The Reporting Person beneficially owns 186,858,255 Class A Ordinary Shares. The Reporting Person may be deemed to beneficially own 18.2% of the Issuer's outstanding Class A Ordinary Shares. The Reporting Person has sole power to direct the vote of 186,858,255 Class A Ordinary Shares. 0 The Reporting Person has sole power to dispose or to direct the disposition of 186,858,255 Class A Ordinary Shares. 0 Y Y Y Y Y Y Kristo Kaarmann /s/ Kristo Kaarmann 08/11/2026