Carlotte Wubben-Moy was born in Bow, London, England to an English mother, Claire Moy, and Antonius Wubben, the Dutch owner of Kaizen Furniture Makers.

[6][7] In autumn 2017, Wubben-Moy moved to the United States to play college soccer, joining ACC team North Carolina Tar Heels.

[9] In August 2020, Wubben-Moy announced she was forgoing her final year of college eligibility amid uncertainty around the season due to the COVID-19 pandemic.

[20] On 23 February 2021, Wubben-Moy made her international debut against Northern Ireland, coming on as a second half substitution for fellow Arsenal player Leah Williamson in a match that would end 6–0 to England.

[22][23] Wubben-Moy was allotted 217 when the FA announced their legacy numbers scheme to honour the 50th anniversary of England's inaugural international.

[27] After celebrating winning the Euros in Trafalgar Square, Wubben-Moy spoke to the England captain Leah Williamson about writing an open letter to the two UK prime ministerial candidates asking for equal access to football for girls.

[30] As of 2022, Wubben-Moy is in a relationship with cyclist Tao Geoghegan Hart, who is from the same area of London and had attended the Stoke Newington School before her.