# Wise **Canonical:** https://apis.io/providers/wise/ **Website:** https://wise.com/ **APIs profiled:** 47 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. ## Kin Score — 36.3 / 100 (thin) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.3). | Facet | Score | |---|---| | Discoverability | 57.4 | | Contract Quality | 68.2 | | Governance | 11.4 | | Contract Governance | 11.4 | | Operational Transparency | 26.3 | | Developer Ergonomics | 21.4 | | Commercial Clarity | 23.7 | | Access Clarity | 23.7 | Regulatory layer — **Banking & Open Finance**: 29.1 (matched via tags). ## Agent readiness — 56.0 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | yes | | Idempotency | verified | | Error Semantics | no | | OpenAPI Examples | verified | | Rate Limit Signal | verified | | Event Surface Described | yes | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high). ## APIs (47) - **Wise 3ds API** — To manage certain aspects of the 3D Secure (3DS) authentication, you will need to integrate with the following APIs. - **Wise activity API** — Activity represents a snapshot of a performed action for a profile. - **Wise address API** — Manage physical addresses associated with user profiles. Address requirements vary by country — use the address requirements endpoints to dynamically discover which fields are n... - **Wise balance API** — 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 o... - **Wise balance-statement API** — Balance statements contain transactional activities on a Wise Multi-Currency Account, including deposits, withdrawals, conversions, card transactions, and fees. Statements can b... - **Wise bank-account-details API** — 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 internati... - **Wise batch-group API** — 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 pa... - **Wise bulk-settlement API** — 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 ... - **Wise card API** — Manage your customers' cards programmatically. These APIs allow you to list cards, retrieve card details, control card status, and manage spending permissions. **Key capabilitie... - **Wise card-kiosk-collection API** — 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 pr... - **Wise card-order API** — 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 availab... - **Wise card-sensitive-details API** — 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 sensitiv... - **Wise card-transaction API** — Retrieve information on transactions made on your users' cards. Transaction types {% #card-transaction-type .title-3 .m-t-5 %} The possible `type` values are: - `ACCOUNT_CREDIT`... - **Wise case API** — Partner Cases are part of the Partner Support API, allowing partners to open, retrieve and respond to support and operations queries. The endpoints described here allow partners... - **Wise claim-account API** — Allow a customer to take ownership of an account [created on their behalf](/api-reference/user/usercreate). Generate a short-lived `claim_account_code` and use it when [redirect... - **Wise comparison API** — The comparison API can be used to request price and speed information about various money transfer providers. This includes not only Wise but other providers in the market. Pric... - **Wise contact API** — Find discoverable Wise profiles and add them to your recipient list using an identifier — such as a Wisetag, email, or phone number — without needing bank details. Creating a tr... - **Wise currencies API** — Retrieve the list of currencies supported for transfers, including currency codes and display names. - **Wise delivery-estimate API** — Get the estimated delivery time for a transfer, showing when funds are expected to arrive in the recipient's bank account. - **Wise digital-wallet API** — These APIs provide encrypted cardholder information needed to implement push provisioning (Apple Pay, Google Pay) in your own mobile app. - **Wise direct-debit-account API** — Register and retrieve external bank accounts used to fund batch transfers via ACH (USD) or EFT (CAD) direct debit. - **Wise disputes API** — Raise and manage card transaction disputes, including submission via Dynamic Flow or direct API, file uploads, and dispute lifecycle tracking. For implementation details, see: -... - **Wise facetec API** — Wise leverages [FaceTec's](https://www.facetec.com/) facial biometric technology for authentication. Use this endpoint to retrieve the public key needed for exporting 3D FaceMaps. - **Wise jose API** — Wise uses the [JOSE framework](https://jose.readthedocs.io/en/latest/) to accept and respond with signed and encrypted payloads. These endpoints allow you to manage keys and tes... - **Wise kyc-review API** — KYC Review API provides endpoints to view, update and submit information related to the KYC flow. There are two ways to collect KYC requirements from your customers: - **Hosted ... - **Wise multi-currency-account API** — The Wise multi-currency account (MCA) enables users to hold, convert, and fund transfers (single or batches) with balances in up to 56 currencies. Of the 50+ currency balances s... - **Wise oauth-token API** — Exchange client credentials or authorisation grants for OAuth 2.0 access tokens. All grant types use `POST /oauth/token` with basic authentication (your `client_id` and `client_... - **Wise payin-deposit-detail API** — The payin deposit details API allows you to get the bank details for the account that the customer should send funds to when paying for a Wise transfer via a bank transfer. Thes... - **Wise payins API** — The payin APIs allow you to fund the MCA or transfers with local payment rails, by retrieving or creating the relevant details to send to for funding a payment. These details wi... - **Wise profile API** — A profile represents an identity that can send and receive money through Wise — either a personal profile (an individual) or a business profile (a company). Most API endpoints r... - **Wise quote API** — The quote resource defines the basic information required for a Wise transfer - the currencies to send between, the amount to send and the profile who is sending the money. The ... - **Wise rate API** — Current and historical exchange rates by currency routes. - **Wise recipient API** — Recipient or beneficiary is the one who will receive the funds. Recipient account endpoints use a mixture of our v1 and v2 APIs. Please ensure you address the right version to g... - **Wise sca-device-fingerprints API** — Device fingerprints are possession-based SCA challenge factors. They allow you to verify that a user is accessing the API from a recognized device. A profile can have up to 3 de... - **Wise sca-facemaps API** — Facemaps are inherence-based (biometric) SCA challenge factors that use FaceTec's 3D face recognition technology. Facemaps should be exported from your FaceTec server using thei... - **Wise sca-otp API** — For phone-based OTP (one-time password) authentication — where an OTP is a single-use 6-digit code sent to verify the identity of a user — Wise supports multiple delivery method... - **Wise sca-ott API** — One-time tokens are temporary authentication sessions used to track SCA challenges. When an SCA-protected endpoint is called, a one-time token is returned containing the challen... - **Wise sca-pin API** — PIN (Personal Identification Number) is a knowledge-based SCA challenge factor. Users create a 4-digit PIN that can be used to verify their identity when accessing SCA-protected... - **Wise sca-sessions API** — SCA sessions allow you to manually trigger Strong Customer Authentication, returning a one-time token along with a list of associated challenges. These challenges can be cleared... - **Wise simulation API** — Use these endpoints to simulate key actions in the sandbox environment, including transfer state changes, balance top-ups, card transactions, KYC reviews, and incoming payments.... - …and 7 more, listed in full on the page. ## Agentic access (1) - **Wise Agentic Access** — 238 operations · 147 acting · 6 human-in-the-loop ## Security (4) - **Wise Authentication** — http · 2 schemes - **Wise Domain Security** — TLSv1.3 · HSTS · DMARC - **Wise Vulnerability Disclosure** — Bugcrowd · security.txt · contact published - **Wise Trust Center** — SOC 1 Type 2, SOC 2 Type 2, PCI DSS, ISO 27001, GDPR ## Plans (1) - **Wise Plans Pricing** ## Tags Payments, FX, Cross-Border, Banking, Multi-Currency --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/wise/). Scores are computed from the provider's own public artifacts under a published rubric.