# Wise API

**Provider:** Wise
**Category:** finance
**Base URL:** `https://api.wise.com/v1`
**Auth:** bearer — `Authorization: Bearer YOUR_API_TOKEN`
**Rate Limit:** 60 requests/min
**Free Tier:** No
**Pricing:** Enterprise / contact sales (pay-as-you-go)
**Docs:** https://docs.wise.com/api-docs/

## Description

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.

## Endpoints

| Method | Endpoint | Description |
|--------|----------|-------------|
| GET | `https://api.wise.com/v1/rates` | Get current exchange rates for a currency pair |
| POST | `https://api.wise.com/v1/quotes` | Get a transfer quote with fees and delivery time |
| POST | `https://api.wise.com/v1/transfers` | Create a money transfer |
| POST | `https://api.wise.com/v1/transfers/{transferId}/payments` | Fund and submit a transfer |
| GET | `https://api.wise.com/v1/profiles/{profileId}/balance-movements` | List account transactions |
| GET | `https://api.wise.com/v1/profiles` | List personal and business profiles |

## 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
```

## Sample Request

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

## Sample Response

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

## Pricing Details

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.

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*Source: [API Map](https://apimap.dev/apis/wise/) — CC BY 4.0*