Wise

aid: wise
url: https://raw.githubusercontent.com/api-evangelist/wise/refs/heads/main/apis.yml
name: Wise
kind: company
description: Wise (formerly TransferWise) provides cross-border payments and multi-currency accounts for personal and business
  customers. The Wise Platform API exposes profiles, balances, transfers, recipients, quotes, multi-currency accounts, cards,
  statements, and webhooks.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/wise.png
tags:
- Payments
- FX
- Cross-Border
- Banking
- Multi-Currency
created: '2026-05-08'
modified: '2026-05-30'
specificationVersion: '0.23'
apis:
- aid: wise:wise-activity-api
  name: Wise Activity API
  description: Activity represents a snapshot of a performed action for a profile.
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Activity
  tags_raw:
  - activity
  properties:
  - type: OpenAPI
    url: openapi/wise-activity-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-address-api
  name: Wise Address API
  description: 'Manage physical addresses associated with user profiles.


    Address requirements vary by country — use the address requirements endpoints to dynamically discover which fields are
    needed before creating an address.'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Address
  tags_raw:
  - address
  properties:
  - type: OpenAPI
    url: openapi/wise-address-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-balance-api
  name: Wise Balance API
  description: 'Create and manage balance accounts within a multi-currency account.


    Each profile can hold multiple balance accounts in different currencies. A `STANDARD` balance is limited to one per currency,
    while `SAVINGS` balances (Jars) allow multiple in the same currency. Creating the first balance for a profile automatically
    creates the multi-currency account.


    Balances include an `investmentState` field. Only balances with `NOT_INVESTED` can be operated on via the API. Invested
    balances should be shown but not actionable.


    For a complete guide on multi-currency accounts, see [Multi-Currency Accounts](/guides/product/accounts).'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Balances
  tags_raw:
  - balance
  properties:
  - type: OpenAPI
    url: openapi/wise-balance-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-balance-statement-api
  name: Wise Balance Statement API
  description: 'Balance statements contain transactional activities on a Wise Multi-Currency Account, including deposits,
    withdrawals, conversions, card transactions, and fees.


    Statements can be retrieved in multiple formats: JSON, CSV, PDF, XLSX, CAMT.053, MT940, or QIF.'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - balance-statement
  properties:
  - type: OpenAPI
    url: openapi/wise-balance-statement-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-bank-account-details-api
  name: Wise Bank Account Details API
  description: 'Bank account details allow users to receive money into their Wise Multi-Currency Account. Each currency balance
    can have local bank details (for domestic payments) and international bank details (for SWIFT payments) where available.


    Bank account details can be retrieved for existing balances, or new details can be ordered for currencies where they''re
    available but not yet issued.'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Bank Account Details
  tags_raw:
  - bank-account-details
  properties:
  - type: OpenAPI
    url: openapi/wise-bank-account-details-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-batch-group-api
  name: Wise Batch Group API
  description: 'A batch group is a named collection of up to 1000 transfers that can be managed as a single unit. Batch groups
    are primarily used for funding multiple transfers with a single payment.


    **Workflow:**

    1. Create a batch group with a source currency

    2. Add transfers to the group (up to 1000)

    3. Complete the batch group to close it for modifications

    4. Fund the batch group from a balance or via direct debit


    Individual transfers in the group follow standard transfer lifecycle and can be tracked separately.'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - batch-group
  properties:
  - type: OpenAPI
    url: openapi/wise-batch-group-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-bulk-settlement-api
  name: Wise Bulk Settlement API
  description: 'Bulk settlement allows partners to settle multiple transfers in a single bank transfer at the end of a settlement
    period. This model splits transfer creation/funding from final settlement, allowing Wise to process transfers before receiving
    funds based on a partner''s guarantee.


    Use the settlement journal endpoint to submit a list of transfers to be settled, along with the settlement reference that
    matches your bank transfer payment.'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - bulk-settlement
  properties:
  - type: OpenAPI
    url: openapi/wise-bulk-settlement-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-card-api
  name: Wise Card API
  description: 'Manage your customers'' cards programmatically. These APIs allow you to list cards, retrieve card details,
    control card status, and manage spending permissions.


    **Key capabilities:**

    - List and retrieve card details for a profile

    - Update card status (active, frozen, blocked)

    - Control spending permissions (e-commerce, ATM, contactless, magnetic stripe, etc.)

    - Reset PIN attempt counter after incorrect PIN entries

    - Update card phone number for verification purposes


    {% admonition type="info" %}

    For accessing sensitive card data (PAN, CVV, PIN), see the [Sensitive Card Details API](/api-reference/card-sensitive-details).
    For ordering new cards, see the [Card Orders API](/api-reference/card-order). For transaction history, see the [Card Transactions
    API](/api-reference/card-transaction).

    {% /admonition %}'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Cards
  tags_raw:
  - card
  properties:
  - type: OpenAPI
    url: openapi/wise-card-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-card-kiosk-collection-api
  name: Wise Card Kiosk Collection API
  description: 'These APIs are designed to allow you to print and encrypt your card directly from a kiosk machine. The card
    information will be sent to our card manufacturer to configure and print the card on-site on a kiosk machine.


    The card printing process will automatically begin once the request is received by our card manufacturer.


    During the printing process, you will be notified via webhook about any [card production status change](/guides/developer/webhooks/event-types#cards-card-production-status-change).


    Before using these APIs, make sure to read the guide on [kiosk collection](/guides/product/issue-cards/card-kiosk-collection#card-kiosk-collection).


    {% admonition type="warning" %}

    Please reach out to your Implementation Manager for more information on these APIs.

    {% /admonition %}


    **Testing**: In the sandbox environment, use the [card production simulation API](/api-reference/simulation/simulationcardproduction)
    to test your integration with various production statuses and error scenarios.


    Production status flow {% .title-2 .m-t-5 %}


    These statuses represent the lifecycle of a card production:


    - `READY` - Card is ready for production. The [produce card endpoint](/api-reference/card-kiosk-collection/cardkioskcollectionproduce)
    can be called.

    - `IN_PROGRESS` - Card is being produced at the kiosk machine (chip encryption and printing in progress).

    - `PRODUCED` - Card has been successfully produced and collected from the kiosk. This is a final state.

    - `PRODUCTION_ERROR` - Card production failed. Check the errorCode to identify the issue, resolve it, then retry using
    the [produce card endpoint](/api-reference/card-kiosk-collection/cardkioskcollectionproduce).


    A card with production status `PRODUCED` will trigger an asynchronous call to update the associated card order to `PRODUCED`
    status.


    ![Card production status flow](/images/diagrams/card-production-status-flow.png)'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - card-kiosk-collection
  properties:
  - type: OpenAPI
    url: openapi/wise-card-kiosk-collection-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-card-order-api
  name: Wise Card Order API
  description: 'With this set of APIs, you will be able to create cards for your customers. You can also retrieve and view
    the status of your current card orders, as well as the list of available card programs for the user.


    {% admonition type="info" %}

    On production, each personal profile can order at most 1 physical card and 3 virtual cards. On sandbox, we allow up to
    10 physical cards and 30 virtual cards for testing purpose. However, no more than 3 virtual cards can be ordered per day.
    This limit includes cards and card orders.

    {% /admonition %}


    Card order status flow {% #card-order-status-flow .title-3 .m-t-5 %}


    The card order response will contain the `status` field. The initial status is `PLACED` or `REQUIREMENTS_FULFILLED` depending
    on the requirement fulfillment state:


    - `PLACED` - The card order is created. The card will be generated once it has fulfilled all the requirements

    - `REQUIREMENTS_FULFILLED` - The card order has fulfilled all the requirements and the card should be generated in a short
    while

    - `CARD_DETAILS_CREATED` - The card has been generated

    - `PRODUCED` - The physical card has been produced and waiting to be picked up by delivery vendor (physical card only)

    - `COMPLETED` - The card has been activated and is ready to use. The card order is completed

    - `CANCELLED` - The card order has been cancelled. This can happen if you reach out to Wise Support to cancel a card order

    - `RETURNED` - Delivery failed, the physical card has been returned and will be blocked (physical card only)


    ![Card order status state machine](/images/diagrams/card-order-status-flow.png)'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - Card - Order
  tags_raw:
  - card-order
  properties:
  - type: OpenAPI
    url: openapi/wise-card-order-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation
- aid: wise:wise-card-sensitive-details-api
  name: Wise Card Sensitive Details API
  description: 'Wise is a PCI DSS compliant provider and stores all card data securely. The scope for PCI compliance depends
    on your use case and will impact how you integrate. For all sensitive card details endpoints, follow the [detailed guide](/guides/product/issue-cards/sensitive-card-details).


    **Key capabilities:**

    - Access sensitive card data (PAN, CVV, PIN) via encrypted JWE payloads


    **Related operations:**

    - For card management (list, status, permissions), see the [Cards API](/api-reference/card)

    - For ordering new cards, see the [Card Orders API](/api-reference/card-order)

    - For transaction history, see the [Card Transaction API](/api-reference/card-transaction)'
  humanURL: https://docs.wise.com/api-docs/api-reference/profile
  baseURL: https://api.wise.com/v2
  tags:
  - card-sensitive-details
  properties:
  - type: OpenAPI
    url: openapi/wise-card-sensitive-details-api-openapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/profile
  - type: Sandbox
    url: https://api.sandbox.transferwise.tech
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/recipient
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/quote
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/transfer
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/multi-currency-account
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/balance-statement
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/card
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/subscription
  - type: AsyncAPI
    url: asyncapi/wise-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.wise.com/api-docs/api-reference/simulation


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