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Wise API

by Wise

The Wise (formerly TransferWise) API enables businesses to automate international payments at the real mid-market exchange rate. Create profiles, get live exchange rate quotes, initiate transfers to 80+ countries, create and fund multi-currency borderless accounts, list account transactions, and receive payout webhooks. Used by e-commerce businesses, payroll platforms, and marketplaces for fast, low-cost international payments.

money-transferinternational-paymentsexchange-ratesmulti-currencyfintechpayroll

Quick Reference

Base URL https://api.wise.com/v1 Auth type Bearer Token Auth header Authorization: Bearer YOUR_API_TOKEN Rate limit 60 requests/min Pricing Enterprise / contact sales Free quota Sandbox environment is free for development Documentation https://docs.wise.com/api-docs/ Endpoint status Server online — HTTP 404 — server is online but path returned an error (may require auth)565ms (checked Mar 29, 2026) Builder score B 66% builder-friendly
Pricing
75
Latency
38
Depth
81

Authentication

Generate an API token in your Wise account settings. Use the sandbox environment (api.sandbox.transferwise.tech) for testing. Pass the token as a Bearer token.

Authorization: Bearer YOUR_API_TOKEN

Pricing

Model pay-as-you-go Starting price Enterprise / contact sales Free quota Sandbox environment is free for development

Wise charges a transparent fee per transfer, displayed upfront. Fees vary by currency pair and payment method. Typically 0.4–2% of the amount. Business account: free to hold, send has per-transfer fee. API integration is free.

Key Endpoints

MethodPathDescription
GET /rates Get current exchange rates for a currency pair
POST /quotes Get a transfer quote with fees and delivery time
POST /transfers Create a money transfer
POST /transfers/{transferId}/payments Fund and submit a transfer
GET /profiles/{profileId}/balance-movements List account transactions
GET /profiles List personal and business profiles

Sample Request

# Get EUR/USD exchange rate
curl "https://api.wise.com/v1/rates?source=EUR&target=USD" \
  -H "Authorization: Bearer $WISE_API_TOKEN"

Sample Response

[{
  "rate": 1.0862,
  "source": "EUR",
  "target": "USD",
  "time": "2024-03-15T10:00:00+0000"
}]

Data sourced from API Map. Always verify pricing and rate limits against the official Wise documentation.