TransferWise API

Base URL Sandbox

https://api.sandbox.transferwise.tech

Base URL LIVE

https://api.transferwise.com

Welcome to the TransferWise API documentation. You can explore the different ways to use our API and choose the right one for you below.

Payouts and Account Automation
Banks
Affiliates
Receive Money
Open Banking

Payouts and Account Automation

This lets you to automate how you use your TransferWise account. You can automate payments, connect your business tools, and create ways to manage your finances.

You can:

Power your cross-border and domestic payouts with a single API integration.
Pay out directly to bank accounts or email recipients.
Monitor payments received to your TransferWise local bank details (AUD, EUR, GBP, NZD, USD, PLN).
Get statements for balance reconciliation and accounting purposes.
Fully automate transfer creation and track statuses.
Always get the mid-market exchange and our low cost transparent fees.
Use our platform to create and build your own tool to manage your finances.

Our Payouts Guide will help you get started with the technical integration.

Banks

Our bank integration lets banks build TransferWise payments seamlessly into their own desktop and mobile apps. Banks can also build their own native user experience directly onto our API, co-branded with TransferWise.

What are the benefits for my bank?

Provide your customers faster and cheaper cross-border payments, compared to traditional SWIFT alternatives.
Offer competitive, fair, and transparent pricing to customers at the mid-market exchange rate.
Reduce your operational costs of cross-border payments.
Stop losing out on cross-border revenues because your customers are finding better alternatives.

How does it work?

Transparent and fair pricing - Your customers will get the same price no matter if they make transfers via your bank integration or directly via TransferWise.
Same great TransferWise service - Your customers get access to our 24/7 customer support without leaving your own site or app.
Custom solution - We’ll work together to find and build a solution that works for your bank. There’s no one-size-fits-all approach. Together we’ll decide:
- How do we set up flow of funds?
- How do we handle customer support?
- How do we harmonize customer onboarding and AML processes?

See what some of our bank partners have to say

Monzo and TransferWise in the United Kingdom
N26 and TransferWise in Germany
LHV and TransferWise in Estonia
BPCE and TransferWise in France

Example: the N26 native user experience using TransferWise API

alt text

Please contact banks@transferwise.com to get started.

Take a look at our technical integration here – Bank Integration Guide.

Affiliates

When you apply to the TransferWise affiliates program you can get access to our API to help you build your own valuable content for your customers or readers.

The TransferWise API lets you to:

Get the real-time mid-market exchange rates for any currency route.
Get up to 30 days of historical mid-market exchange rates for any currency route.
Get a TransferWise quote for any supported currency route, which includes our fees and estimated delivery time.

The Affiliates Integration Guide helps you get started with the technical integration.

Receive Money

You can receive money to the local bank details that come with your TransferWise account (USD, EUR, GBP, AUD, NZD and PLN) and reconcile these incoming payments via the API.

You’re also able to create a webhook subscription to receive event callbacks to your server when payments are received. Here’s more information about the webhooks.

Please note that we don't send any information over webhook calls that might contain personally identifiable information (PII) about the sender (including the payment reference).

To reconcile incoming payments you might also need to match the information received via webhooks with the information that can be obtained from the statements.

Checkout flows

We currently don’t offer the option to build TransferWise into your checkout flow as a payment option to receive money. Note though that TransferWise can be added as a payout option on your site for beneficiaries to choose to receive their payout through to an email address, directly to a bank account or any other mechanism we support in our standard product.

Open Banking

Under the Second Payment Services Directive (PDS2) we are opening up the standardized version of our API to the rest of the world. Find out more about our Open Banking API

Payouts Guide

Welcome to the TransferWise payouts API documentation. Before you start coding, please take few moments to review some important information about TransferWise and our API.

Getting started

1. Learn about TransferWise.

TransferWise and its borderless account features and pricing are best explained below.

https://transferwise.com/gb/borderless/pricing

Using the product before integrating with our API will help you understand how our payment flow works. Just follow these four steps.

Sign up for your TransferWise account https://transferwise.com/gb/borderless.
Complete verification – you need to do this before you start your technical integration. Also ensure you’re compliant with our Terms and Conditions and Acceptable Use Policy. Also make sure two-step log in is set up.
Activate at least one currency in your borderless account, deposit small amount (via card or bank transfer) and setup your first payment. This penny-testing is not mandatory of course, but we do recommended it so you will understand how TransferWise payment flow works.
Verify that our coverage includes your currency route(s). Check Supported Currencies. Please note that there are few restrictions for businesses, please review Restricted Business Routes
Please note that our Fixed Rate functionality is intended to provide time for customers to send funds to TransferWise, while holding the rate for them. TransferWise is not a trading platform and the Fixed Rate functionality is automatically disabled if abusive behaviour (such as multiple transfer creation and selective completion) is detected.

3. Choose the best tool for you

You don’t necessarily need to integrate with the API to make a large number of payouts. We have two ways you can do it:

Batch payments. Create and send up to 1,000 transfers with just one payment using our Batch Payments tool. All you need to do is fill a CSV file with all the transfer details, upload it to TransferWise, and pay for the batch. No development effort needed.
API integration. Completely automate your payment process by sending payment orders via the TransferWise API.

API access

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxx"

Authentication

Sign up for a developer account and get your personal API token for our sandbox. https://sandbox.transferwise.tech/register

NB! Two factor authentication (2FA) code for sandbox login is 111111.

Your developer account will have some test money that you can use to start making payments in same way as you would in a live environment. You can get your API tokens in the Settings tab of your account page.

Add your API token as header parameter to every request like this:

Authorization: Bearer xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxx

Acquiring your API token

Your API tokens section can be found at the bottom of the Settings page inside your TransferWise account. By default, you have no active tokens. You can issue new tokens after enabling 2-step login.

We support tokens of two permission levels:

Read only - List and show transfers, recipients and balances
Full access - Create, manage and fund transfers

Issue a Read only token unless you specifically need the capabilities of Full access. Token permission level can be changed after issuance. The lifetime of the token is 10 years.

Keeping your API token safe

Your API tokens should be guarded closely. They represent your identity and authorization and can be used to interact with your TransferWise account on your behalf. Whoever has access to your token can access your account details and history. In the case of a Full access token, they can also send transfers. Once you obtain an API token from us, it is on you to keep it safe.

Below is technical advise and guidance on how to protect your tokens. Not everything may apply to the application you are building and the goal is not to provide a long checklist of things to do. Rather, we attempt to provide generic guidance and best-practices, to send you in the right direction. You will have to do additional research and consider the specific technology and purpose of your application.

Source code

Don't store API tokens as plaintext files in Git

$ git clone https://github.com/mycompany/myapp.git
$ cat myapp.git/apiconfig.json
{
  "token": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxx",
  "url": "api.transferwise.com"
}

A common mistake made by engineers is storing access tokens in source code, in plaintext - which is then shared in a version control system, sometimes publicly.

When an API token is stored like this, it can be accessed and used by anyone who has access to the source code. Avoid storing secrets in code.

Instead:

Use environment variables to pass secrets into your application. You can configure them in your web server settings, startup script or platform-specific tools such as Docker or Kubernetes.
If your deployment platform has a dedicated mechanism for storing secrets, use it
Use a configuration file that is excluded from your version control. It can be created manually, or put into the deployment server by automated tools. Make sure the file can only be read by your web application

Limit permissions of a sensitive configuration file

$ cp .env.sample .env
$ echo .env >> .gitignore
$ chown myapp:root .env && chmod 600 .env

Token lifecycle

If you suspect that your token has leaked, revoke and rotate it. If you accidentally push a token to a remote public repository, rotate it. Quickly deleting an access token from VCS might not be enough - remember that VCS stores historical changes, is distributed and might have automation assigned to new pushes.

Revoke old tokens that you no longer need or use.

During the lifetime of an active token, limit the amount of people and systems who can access it. E-mail inboxes and chat logs are archived and not a secure place to hold tokens. Ideally, your access token would live only in TransferWise systems and your production system(s) that actually need it. You do not need to hold a backup copy of the token, as you can reveal an existing token from your profile settings page.

Encryption

TransferWise API is using HTTPS with >=TLS 1.2. Non-encrypted HTTP connections are not accepted. Do not connect to our API with unencrypted HTTP, as this will transmit your access token in plaintext over the network.

Verifying certificates in client code

<?php
// Secure - this will fail when an invalid HTTPS certificate is returned.
// Such failure is not normal and most likely means there is something
// in-between you and TransferWise, intercepting communications.
$ch = curl_init();
curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 1);
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 1);
curl_setopt($ch, CURLOPT_URL, 'https://api.transferwise.com');


// Insecure - do not do this. This will not validate certificates and
// might leak your access token to an attacker.
// See https://curl.haxx.se/libcurl/c/CURLOPT_SSL_VERIFYPEER.html
$ch = curl_init();
curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 0);
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 0);
curl_setopt($ch, CURLOPT_URL, 'https://api.transferwise.com');

Validate certificates. You should not proceed with a connection when you receive a certificate validation error from TransferWise. Make sure all parts of your application are using encryption and HTTPS and failing when certificate validation fails.

Application design

Secure your application against common security flaws (OWASP Top 10). Think how an attacker could leverage Unrestricted File Upload or Insecure Direct Object Reference to read the contents of your server's environment or config files.

If your application is larger, consider extracting TransferWise-specific functionality into a separate middleware or service layer. This would enable you to move API tokens there, separate from the main application.

Do not store the token in user-accessible code such as browser-side JavaScript or Android apps that can be decompiled. The token should always live server-side, exposing domain-logic via API-s.

If you need to pass the token around via HTTP requests, use HTTP headers or POST body - do not store the token in URI or query parameters. Web servers usually log the URL and browsers pass it between websites via the Referrer header.

Limiting token access by IP

You can enhance your integration security by only allowing certain IP addresses to use your API token.

Typically, you would integrate with our API from a set number of fixed IP addresses. Restricting access from all other IPs will make it harder to misuse your API token, should it ever leak. IP whitelisting does not protect against cases where several clients egress from the same whitelisted IP (shared external IP for the office network, an egress proxy in front of all of your servers).

Each token can be limited to single IP addresses, a set of IP addresses or entire IP ranges. You can do this in the API token edit view.

Please note:

IP addresses should use only IPv4 format e.g. 192.168.100.14
IP ranges should use CIDR notation e.g. 192.168.100.0/24 which would include 192.168.100.0 up to 192.168.100.255
You can authorize multiple discrete IP-s or IP ranges for one token

If a request is being made using an IP address that is not in the whitelisted IP addresses, the server will respond with a 401 Unauthorized HTTP status code.

Strong customer authentication

NB The following will be enforced starting from October 1, 2020. Please see the testing section below on how to prepare your integration.

There are some actions such as funding a transfer from your balance or viewing the statement that require additional authentication.

In those cases a 403 Forbidden HTTP status code is returned together with a one-time token (OTT) value which needs to be signed and the resulting signature included in the retry of the original request.

We use a digital signature scheme based on public-key cryptography. It involves creating a signature using a private key on the client side and verifying the signature authenticity on the server side using the corresponding public key the client has uploaded.

To call the endpoints requiring additional authentication:

Create a key pair consisting of a public and a private key
Upload the public key to TransferWise
Set up response handling to retry with the signed OTT

Creating the key pair

Keys can be generated with the OpenSSL toolkit:

$ openssl genrsa -out private.pem 2048
$ openssl rsa -pubout -in private.pem -out public.pem

The following requirements apply:

The cryptographic algorithm has to be RSA
The key length has to be at least 2048 bits
The public key should be stored in PEM file format using a .pem file extension

Managing uploaded public keys

The public keys management page can be accessed via the "Manage public keys" button under the API tokens section of your TransferWise account settings.

You will be prompted to perform 2FA when uploading new public keys.

The maximum number of public keys you can store is limited to 5.

Signing the data

We will only accept the signatures created with SHA256 with RSA (SHA256 hash of the data is signed with RSA) algorithm. There are different ways of creating the required digital signature, for example:

The shell one-liner to sign a string, encode it with Base64 and print to standard output:

$ printf '<string to sign>' | openssl sha256 -sign <path to private key.pem> | base64 -b 0

OpenSSL

The CLI toolkit command is openssl sha256 -sign private.pem data.bin (consult the openssl man pages for additional info if required). Note that the signature returned by OpenSSL (to standard output in the example above) is in binary format and to send it over HTTP it should be encoded to Base64 (RFC 4648)).

There is also an extensive C API available.
Our reference implementation Java library

Detailed workflow

Here is a step-by-step workflow with example commands.

1. Client performs a request:

$ curl -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments' \
       -H 'Content-Type: application/json' \
       -H 'Authorization: Bearer <your api token>' \
       -d '{"type": "BALANCE"}'

2. Client receives the response indicating that strong authentication is required:

HTTP/1.1 403 Forbidden
Date: Fri, 03 Jan 2020 12:34:56 GMT
Content-Type: application/json;charset=UTF-8
x-2fa-approval-result: REJECTED
x-2fa-approval: be2f6579-9426-480b-9cb7-d8f1116cc8b9

{
    "timestamp": "2020-01-03T12:34:56.789+0000",
    "status": 403,
    "error": "Forbidden",
    "message": "You are forbidden to send this request",
    "path": "/v3/profiles/{profileId}/transfers/{transferId}/payments"
}

3. Client signs the one-time token from the response using OpenSSL:

$ printf 'be2f6579-9426-480b-9cb7-d8f1116cc8b9' | openssl sha256 -sign private.pem | base64 -b 0
1ZCN1MIDdmonOJvNQvsCxRHMXihsqZ/xNvybhb3oYNQgRkyj2P0hCVVaWUbr313LicFGwRTW8kcxTwvpXQdeurGtcN2zGoweVTopI06dmJ8vQMfTkrqjMZG3UUX0EcU+tJaDlBemvS7gv2aNGyHDMiRPZOZRPA6TH0LPJvLdVRMsEbXrbj8HqEopczmf1jChRxftmg2XoeQUMhhlOiSjSbJmlyAIegioI40/BTii+Q7f/HWZqk6N2vmHWPomwHQMz8Hy6frLYJb5tchjg/i+RRvZjEVbUH53QfG8Tbmx4JM/wN1LYeR8rebSdGEpLOd8QRcjuDur54qHNWXvKRM8aQ==

with private.pem private key:

4. Client repeats the initial request with the addition of the one-time token and the signature headers:

$ curl -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments' \
       -H 'Content-Type: application/json' \
       -H 'Authorization: Bearer <your api token>' \
       -H 'x-2fa-approval: be2f6579-9426-480b-9cb7-d8f1116cc8b9' \
       -H 'X-Signature: RjXBO5SpAuMGdgTyqPryOt8AyIKY0t5gHqj36MzR2UwH9SvSY1V1wKIQCqXRvLMLyWBGXDkLvv9JdAni+H87k3hsClRiyfpdzcg3uOP+d/jSagNDSjHixPh4/rWQh+eEhBRo4V+pPBH+r5APtIwFY/fvvdMbZ/QnnmcPHxi/t7uS7+qvRZCC17q47T0ZpSwEK9x+nG/wcJ4S4Yrk0E2yQlLz8F35C+E2gt/KGTt6Tf5z6GonM1H2gJWoHpxuOUomh09b/k3teLjIfEirWmnO2XuOe0oDCUH8i10dokzk+QrM4t/Yv/Rb18JvTeugDAKMydGo7KTgqKGCXZauicX0Ew==' \
       -d '{"type": "BALANCE"}'

5. Client receives the processed response with authentication status APPROVED:

HTTP/1.1 200 OK
Date: Fri, 03 Jan 2020 12:34:56 GMT
Content-Type: application/json;charset=UTF-8
x-2fa-approval-result: APPROVED

{
  "type": "BALANCE",
  "status": "COMPLETED",
  "errorCode": null
}

Client makes a request which requires strong authentication.
The request is declined with HTTP status 403 / Forbidden with the following response headers
- X-2FA-Approval-Result: REJECTED
- X-2FA-Approval containing the one-time token (OTT) value which is what needs to be signed
Client signs the OTT with the private key corresponding to a public key previously uploaded for signature verification.
Client repeats the initial request with the OTT provided in the X-2FA-Approval request header and the signed OTT in the X-Signature request header.

Note: as the name implies, a one-time token can be used only once. If it was successfully processed then further requests with the same token signature will be rejected.

Testing

By default in our sandbox environment strong customer authentication is disabled. You can enable it for your account on the public keys management page.

The option for toggling the check yourself will also be available in production as long as it is optional.

TEST and LIVE environments

You can access the Sandbox API at https://api.sandbox.transferwise.tech
The LIVE API is located at https://api.transferwise.com

Please note Sandbox environment is limited. We do not send any emails from it as well as transfer processing is not simulated. Please consider Simulation endpoints to change transfer state after funding.

Get your profile id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "id": 217896,
    "type": "personal",
    "details": {
      "firstName": "Oliver",
      "lastName": "Wilson",
      "dateOfBirth": "1977-07-01",
      "phoneNumber": "+3725064992",
      "avatar": "https://lh6.googleusercontent.com/-XzeFZ2PJE1A/AAAAAAAI/AAAAAAAAAAA/RvuvhXFsqs0/photo.jpg",
      "occupation": null,
      "primaryAddress": 236532
    }
  },
  {
    "id": 220192,
    "type": "business",
    "details": {
      "name": "ABC Logistics Ltd",
      "registrationNumber": "12144939",
      "acn": null,
      "abn": null,
      "arbn": null,
      "companyType": "LIMITED",
      "companyRole": "OWNER",
      "descriptionOfBusiness": "Information and communication",
      "primaryAddress": 240402,
      "webpage": "https://abc-logistics.com"
    }
  }
]

You only need to call this endpoint once to obtain your user profile id. Your personal and business profiles have different IDs. Profile id values are required when making payouts.

It’s recommended to always provide profileId when you’re creating new resources later (Create Quote, Create Recipient Account, Create Transfer). If you omit profileId then resource will by default belong to your personal profile. This might not be your intention, as you most probably want to execute transfers under your business profile.

Request

GET https://api.sandbox.transferwise.tech/v1/profiles

Response

Personal Profile Fields

Field	Description	Format
id	Personal profile id	Integer
type	Profile type	Text
details.firstName	Person first name	Text
details.lastName	Person last name	Text
details.dateOfBirth	Date of birth	"yyyy-mm-dd"
details.phoneNumber	Phone number	Text
details.avatar	Link to avatar image	Text
details.occupation	Occupation	Text
details.primaryAddress	Address object id	Integer

Business Profile Fields

Field	Description	Format
id	Business profile id	Integer
type	Profile type	Text
details.name	Business name	Text
details.registrationNumber	Business registration number	Text
details.acn	ACN (only applicable for Australian business)	Text
details.abn	ABN (only applicable for Australian business)	Text
details.arbn	ARBN (only applicable for Australian business)	Text
details.companyType	Company legal type	Text
details.companyRole	Person's role in the company	Text
details.descriptionOfBusiness	Business description	Text
details.primaryAddress	Address object id	Integer
details.webpage	Webpage URL	Text

Create quote

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/quotes \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "source": "EUR",
          "target": "GBP",
          "rateType": "FIXED",
          "targetAmount": 600,
          "type": "BALANCE_PAYOUT"
        }'

Example Response:

{
    "id": 10451930,
    "source": "EUR",
    "target": "GBP",
    "sourceAmount": 663.84,
    "targetAmount": 600.00,
    "type": "BALANCE_PAYOUT",
    "rate": 0.9073,
    "createdTime": "2018-08-27T14:35:44.553Z",
    "createdByUserId": <your user id>,
    "profile": <your profile id>,
    "rateType": "FIXED",
    "deliveryEstimate": "2018-08-27T14:35:44.496Z",
    "fee": 2.34,
    "allowedProfileTypes": [
        "PERSONAL",
        "BUSINESS"
    ],
    "guaranteedTargetAmount": false,
    "ofSourceAmount": true
}

There are four steps to execute payouts:

Step 1: Create a quote

Step 2: Create a recipient account

Step 3: Create a transfer

Step 4: Fund a transfer

Quote fetches current mid-market exchange rate that will be used for your transfer. Quote also calculates our fee and estimated delivery time.

Request

POST https://api.sandbox.transferwise.tech/v1/quotes

Field	Description	Format
profile	Personal or business profile id	Text
source	Source(send) currency code	Text
target	Target(receive) currency code	Text
rateType	Always use constant 'FIXED'	Text
targetAmount	Amount in target currency	Decimal
sourceAmount	Amount in source currency. Either sourceAmount or targetAmount is required, never both.	Decimal
type	'BALANCE_PAYOUT' for payments 'BALANCE_CONVERSION' for conversion between balances	Text

Response

Quote id is needed for creating transfers in step 3.

Field	Description	Format
id	Quote id	Integer
source	Source(send) currency code	Text
target	Target(receive) currency code	Text
sourceAmount	Amount in source currency	Decimal
targetAmount	Amount in target currency	Decimal
type	Quote type	Text
rate	Exchange rate value	Decimal
createdTime	Quote created timestamp	Timestamp
createdByUserId	Your used id	Integer
profile	Personal or business profile id	Integer
rateType	Always 'FIXED'	Text
deliveryEstimate	Estimated timestamp when recipient would receive funds, assuming transfer will be created now.	Timestamp
fee	TransferWise fee in source currency for this payment (deducted from source amount).	Decimal
allowedProfileTypes	PERSONAL, BUSINESS or both. Specifies which legal entities can use this quote. There are a few currency routes that we don’t support for business customers yet.	Text
guaranteedTargetAmount	Not relevant for fixed rate quotes. Please ignore.	Boolean
ofSourceAmount	Not relevant for fixed rate quotes. Please ignore.	Boolean

Create recipient account

Example Request (Create GBP recipient):

curl -X POST https://api.sandbox.transferwise.tech/v1/accounts \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "currency": "GBP", 
          "type": "sort_code", 
          "profile": <your profile id>, 
          "accountHolderName": "Ann Johnson",
          "legalType": "PRIVATE",
           "details": { 
              "sortCode": "231470", 
              "accountNumber": "28821822" 
           } 
         }'

Example Response (Create GBP recipient): json { "id": 31273058, "profile": <your profile id>, "accountHolderName": "Ann Johnson", "type": "sort_code", "country": "GB", "currency": "GBP", "details": { "accountNumber": "28821822", "sortCode": "231470" } }

There are four steps to execute payouts:

Step 1: Create a quote

Step 2: Create a recipient account

Step 3: Create a transfer

Step 4: Fund a transfer

Recipient is a person or institution who is the ultimate beneficiary of your payment.

Recipient bank account details are different for different currencies. For example, you only need to know the IBAN number to send payments to most European and Nordic countries. But in order to send money to Canada, you’d need to fill out four fields: You recipient’s institution number, transit number, account number, and account type.

A UK GBP example is provided here. You can find other currency examples in Recipient Accounts section below.

Request

POST https://api.sandbox.transferwise.tech/v1/accounts

Field	Description	Format
currency	3 character currency code	Text
type	Recipient type	Text
profile	Personal or business profile id	Integer
accountHolderName	Recipient full name	Text
legalType	Recipient legal type: PRIVATE or BUSINESS	Text
details	Currency specific fields	Group
details.sortCode	Recipient bank sort code (GBP example)	Text
details.accountNumber	Recipient bank account no (GBP example)	Text

Response

Recipient id is needed for creating transfers in step 3.

Field	Description	Format
id	recipientAccountId	Integer
profile	Personal or business profile id	Integer
acccountHolderName	Recipient full name	Text
currency	3 character country code	Text
country	2 character currency code	Text
type	Recipient type	Text
details	Currency specific fields	Group
details.sortCode	Recipient bank sort code (GBP example)	Text
details.accountNumber	Recipient bank account no (GBP example)	Text

Send money to email recipient

If you don't know your recipient’s bank account details, you can still send money using their email address. You need to set up email recipient and then TransferWise will collect bank details directly from your recipient.

When you set up the transfer, we’ll email your recipient a secure link to collect their bank account details. Once your recipient provides their bank account details to us, we’re able to complete your transfer.

See below under Recipient Accounts.Create Email Recipients for more details.

Create transfer

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/transfers \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "targetAccount": <recipient account id>,   
          "quote": <quote id>,
          "customerTransactionId": "<the UUID you generated for the transfer attempt>",
          "details" : {
              "reference" : "to my friend",
              "transferPurpose": "verification.transfers.purpose.pay.bills",
              "sourceOfFunds": "verification.source.of.funds.other"
            } 
         }'

Example Response:

{
    "id": 468956,
    "user": <your user id>,
    "targetAccount": <recipient account id>,
    "sourceAccount": null,
    "quote": <quote id>,
    "status": "incoming_payment_waiting",
    "reference": "to my friend",
    "rate": 0.9065,
    "created": "2018-08-28 07:43:55",
    "business": <your business profile id>,
    "transferRequest": null,
    "details": {
        "reference": "to my friend"
    },
    "hasActiveIssues": false,
    "sourceCurrency": "EUR",
    "sourceValue": 661.89,
    "targetCurrency": "GBP",
    "targetValue": 600,
    "customerTransactionId": "bd244a95-dcf8-4c31-aac8-bf5e2f3e54c0"
}

There are four steps to execute payouts:

Step 1: Create a quote

Step 2: Create a recipient account

Step 3: Create a transfer

Step 4: Fund a transfer

A transfer is a payout order you make to a recipient account based on a quote. Once created, a transfer will need to be funded within the next 5 working days, or it’ll automatically get cancelled.

Request

POST https://api.sandbox.transferwise.tech/v1/transfers

Field	Description	Format
targetAccount	Recipient account id. You can create multiple transfers to same recipient account.	Integer
quote	Quote id. You can only create one transfer per one quote. You cannot use same quote ID to create multiple transfers.	Integer
customerTransactionId	This is required to perform idempotency check to avoid duplicate transfers in case of network failures or timeouts.	UUID
details.reference (optional)	Recipient will see this reference text in their bank statement. Maximum allowed characters depends on the currency route. Read the Business Payments Tips article for more information.	Text
details.transferPurpose (conditionally required)	For example when target currency is THB. See more about conditions at Transfers.Requirements	Text
details.sourceOfFunds (conditionally required)	For example when target currency is USD and transfer amount exceeds 10k. See more about conditions at Transfers.Requirements	Text

There are two options to deal with conditionally required fields:

Always provide values for these fields
Always call transfers-requirements endpoint and submit values only if indicated so

Response

You need to save the transfer id for tracking its status later.

Field	Description	Format
id	Transfer id	Integer
user	Your user id	Integer
targetAccount	Recipient account id	Integer
sourceAccount	Not used	Integer
quote	Quote id	Integer
status	Transfer current status	Text
reference	Deprecated, use details.reference instead	Text
rate	Exchange rate value	Decimal
created	Timestamp when transfer was created	Timestamp
business	Your business profile id	Integer
transferRequest	Not used	Integer
details.reference	Payment reference text	Text
hasActiveIssues	Are there any pending issues which stop executing the transfer?	Boolean
sourceCurrency	Source currency code	Text
sourceValue	Transfer amount in source currency	Decimal
targetCurrency	Target currency code	Text
targetValue	Transfer amount in target currency	Decimal
customerTransactionId	UUID format unique identifier assigned by customer. Used for idempotency check purposes.	UUID

Avoiding duplicate transfers

We use customerTransactionId field to avoid duplicate transfer requests. When your first call fails (error or timeout) then you should use the same value in customerTransactionId field that you used in the original call when you are submitting a retry message. This way we can treat subsequent retry messages as repeat messages and will not create duplicate transfers to your account.

Fund transfer

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "type": "BALANCE"   
         }'

Example Response:

{
  "type": "BALANCE",
  "status": "COMPLETED",
  "errorCode": null
}

There are four steps to execute payouts:

Step 1: Create a quote

Step 2: Create a recipient account

Step 3: Create a transfer

Step 4: Fund a transfer

This API call is the final step for executing payouts. TransferWise will now debit funds from your borderless account balance and start processing your transfer. If your borderless balance is short of funds then this call will fail with "insufficient funds" error.

Initial developer account has by default plentiful funds available for EUR, USD, GBP, and AUD.
You can add new currencies to your account via the user interface: https://sandbox.transferwise.tech

You can then top up your new currencies by converting funds from other currencies.

NB!: This endpoint is subject to additional authentication requirements. There are scenarios where those could be bypassed, such as:

the recipient of the transfer is marked as trusted on the website
the profile you are sending from is in one of the countries excluded from the requirements

Unless you are sending to a small number of recipients who you trust, it is recommended to implement the referenced measures for your integration.

Request

POST https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments

Use transfer id that you obtained in previous step.

Field	Description	Format
type	"BALANCE". This indicates that your transfer will be funded from your borderless account balance.	Text

Response

You need to save transfer id for tracking its status later.

Field	Description	Format
type	"BALANCE"	Text
status	"COMPLETED" or "REJECTED"	Text
errorCode	Failure reason. For example "balance.payment-option-unavailable"	Text

Get transfer delivery time

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/delivery-estimates/{transferId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
   "estimatedDeliveryDate" : "2018-01-10T12:15:00.000+0000"
}

Get the live delivery estimate for a transfer by the transfer ID. The delivery estimate is the time at which we currently expect the transfer to arrive in the beneficiary's bank account. This is not a guaranteed time, but we’re working hard to make these estimates as accurate as possible.

Request

GET https://api.sandbox.transferwise.tech/v1/delivery-estimates/{transferId}

Response

You need to save the transfer id to track its status later.

Field	Description	Format
estimatedDeliveryDate	Estimated time when funds will arrive to recipient's bank account	Timestamp

Track transfer status

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
    "id": 468956,
    "user": <your user id>,
    "targetAccount": <recipient account id>,
    "sourceAccount": null,
    "quote": <quote id>,
    "status": "outgoing_payment_sent",
    "reference": "to my friend",
    "rate": 0.9065,
    "created": "2018-08-28 07:43:55",
    "business": <your business profile id>,
    "transferRequest": null,
    "details": {
        "reference": "to my friend"
    },
    "hasActiveIssues": false,
    "sourceCurrency": "EUR",
    "sourceValue": 661.89,
    "targetCurrency": "GBP",
    "targetValue": 600,
    "customerTransactionId": "bd244a95-dcf8-4c31-aac8-bf5e2f3e54c0"
}

You can check your latest transfer status by polling this endpoint. You can use webhooks to get notified about transfer status updates. Normal state flow of transfers:

Incoming Payment Waiting ⇒ Processing ⇒ Funds Converted ⇒ Outgoing Payment Sent

Outgoing Payment Sent is the final state of the normal flow. If the payment fails, the problematic flow will continue. An example would be if the recipient bank account doesn’t exist or is entered wrong and the payment is returned. Problematic state flow of transfers:

Outgoing Payment Sent ⇒ Bounced Back ⇒ Funds Refunded

Most bounce backs occur within 2-3 business days. However, to be on the safe side, we advise you to check the transfer status for potential bounce backs for 2 weeks.

Transfer state flow

alt text

See below for the full list of transfer statuses and what they mean in the order of occurrence:

incoming_payment_waiting –You have submitted a transfer and it’s waiting for funding.
waiting_recipient_input_to_proceed – This status is only used for “send money to email” transfers. It means we’re waiting for your recipient to fill in their bank details so we can continue processing your transfer.
processing – We have receive your funds and are processing the transfer. Processing is a generic term and means we’re doing behind-the-scene activities before the money gets to your recipient, like AML, compliance, and fraud checks.
funds_converted – All compliance checks have been completed with your transfer and funds have been converted from source (your) currency to target (your recipient’s) currency.
outgoing_payment_sent – This means TransferWise has paid out funds to your recipient. This is the final state of the transfer, assuming funds will not be returned. When a transfer has this state it doesn’t mean the money has arrived in your recipient’s bank account. Note: Payment systems in different countries operate in different speeds and frequency. For example, in the UK, the payment will reach your recipient bank account within few minutes after we have sent the outgoing payment. However, in Eurozone and US, it usually takes a day until funds are available.
cancelled – This status is used when the transfer you created was not funded and therefore never processed. This is a final state of the transfer.
funds_refunded – Transfer has been refunded. This is a final final state of the transfer.
bounced_back –Transfer has bounced back but has not been cancelled nor refunded yet. This is not a final transfer state, it means the transfer will either be delivered with delay or it will turn to funds_refunded state

Keep in mind the transfer statuses in our API have different names than what you’ll see on our website or app. That’s because we use more consumer friendly language in the front end of our products. For example "Completed" on our website means "outgoing_payment_sent" in the API.

Sandbox limitations

We don't send out email notifications about payment status changes in sandbox.

We don't process payments in sandbox, which means that created payments remain in their first state. You can use Simulation endpoints to change transfer statuses in sandbox.

Check account balance

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "id": 64,
        "profileId": <your profile id>,
        "recipientId": 13828530,
        "creationTime": "2018-03-14T12:31:15.678Z",
        "modificationTime": "2018-03-19T15:19:42.111Z",
        "active": true,
        "eligible": true,
        "balances": [
            {
                "balanceType": "AVAILABLE",
                "currency": "GBP",
                "amount": {
                    "value": 10999859,
                    "currency": "GBP"
                },
                "reservedAmount": {
                    "value": 0,
                    "currency": "GBP"
                },
                "bankDetails": null
            },
            {
                "balanceType": "AVAILABLE",
                "currency": "EUR",
                "amount": {
                    "value": 9945236.2,
                    "currency": "EUR"
                },
                "reservedAmount": {
                    "value": 0,
                    "currency": "EUR"
                },
                "bankDetails": null
            }
        ]
    }
]

Get available balances for all activated currencies in your account.

Request

GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId}

Use profile id obtained earlier to make this call.

Response

Field	Description	Format
id	borderlessAccountId	Integer
profileId	Personal or business profile id	Integer
recipientId	Recipient id you can use for borderless top up payment order	Integer
creationTime	Date when balance account was opened	Timestamp
modificationTime	Date when balance account setup was modified	Timestamp
active	Is borderless account active or inactive	Boolean
eligible	Ignore	Boolean
balances[n].balanceType	AVAILABLE	Text
balances[n].currency	Currency code	Text
balances[n].amount.value	Available balance in specified currency	Decimal
balances[n].amount.currency	Currency code	Text
balances[n].reservedAmount.value	Reserved amount from your balance	Decimal
balances[n].reservedAmount.currency	Reserved amount currency code	Text
balances[n].bankDetails	Your borderless account bank details	Group

Get account statement

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/borderless-accounts/{borderlessAccountId}/statement.json?
currency=EUR&intervalStart=2018-03-01T00:00:00.000Z&intervalEnd=2018-03-15T23:59:59.999Z \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "accountHolder": {
    "type": "PERSONAL",
    "address": {
      "addressFirstLine": "Veerenni 24",
      "city": "Tallinn",
      "postCode": "12112",
      "stateCode": "",
      "countryName": "Estonia"
    },
    "firstName": "Oliver",
    "lastName": "Wilson"
  },
  "issuer": {
    "name": "TransferWise Ltd.",
    "firstLine": "56 Shoreditch High Street",
    "city": "London",
    "postCode": "E1 6JJ",
    "stateCode": "",
    "country": "United Kingdom"
  },
  "bankDetails": null,
  "transactions": [
    {
      "type": "DEBIT",
      "date": "2018-04-30T08:47:05.832Z",
      "amount": {
        "value": -7.76,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0.04,
        "currency": "EUR"
      },
      "details": {
        "type": "CARD",
        "description": "Card transaction of 6.80 GBP issued by Tfl.gov.uk/cp TFL TRAVEL CH",
        "amount": {
          "value": 6.8,
          "currency": "GBP"
        },
        "category": "Transportation Suburban and Loca",
        "merchant": {
          "name": "Tfl.gov.uk/cp",
          "firstLine": null,
          "postCode": "SW1H 0TL  ",
          "city": "TFL TRAVEL CH",
          "state": "   ",
          "country": "GB",
          "category": "Transportation Suburban and Loca"
        }
      },
      "exchangeDetails": {
        "forAmount": {
          "value": 6.8,
          "currency": "GBP"
        },
        "rate": null
      },
      "runningBalance": {
        "value": 16.01,
        "currency": "EUR"
      },
      "referenceNumber": "CARD-249281"
    },
    {
      "type": "CREDIT",
      "date": "2018-04-17T07:47:00.227Z",
      "amount": {
        "value": 200,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0,
        "currency": "EUR"
      },
      "details": {
        "type": "DEPOSIT",
        "description": "Received money from HEIN LAURI with reference SVWZ+topup card",
        "senderName": "HEIN LAURI",
        "senderAccount": "EE76 1700 0170 0049 6704 ",
        "paymentReference": "SVWZ+topup card"
      },
      "exchangeDetails": null,
      "runningBalance": {
        "value": 207.69,
        "currency": "EUR"
      },
      "referenceNumber": "TRANSFER-34188888"
    },
    {
      "type": "CREDIT",
      "date": "2018-04-10T05:58:34.681Z",
      "amount": {
        "value": 9.94,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0,
        "currency": "EUR"
      },
      "details": {
        "type": "CONVERSION",
        "description": "Converted 8.69 GBP to 9.94 EUR",
        "sourceAmount": {
          "value": 8.69,
          "currency": "GBP"
        },
        "targetAmount": {
          "value": 9.94,
          "currency": "EUR"
        },
        "fee": {
          "value": 0.03,
          "currency": "GBP"
        },
        "rate": 1.147806
      },
      "exchangeDetails": null,
      "runningBalance": {
        "value": 9.94,
        "currency": "EUR"
      },
      "referenceNumber": "CONVERSION-1511237"
    }
  ],
  "endOfStatementBalance": {
    "value": 9.94,
    "currency": "EUR"
  },
  "query": {
    "intervalStart": "2018-03-01T00:00:00Z",
    "intervalEnd": "2018-04-30T23:59:59.999Z",
    "currency": "EUR",
    "accountId": 64
  }
}

Get borderless account statement for one currency and for specified time range. The period between intervalStart and intervalEnd cannot exceed 469 days (around 1 year 3 month).

Request

GET https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/borderless-accounts/{borderlessAccountId}/statement.json?

currency=EUR&intervalStart=2018-03-01T00:00:00.000Z&intervalEnd=2018-03-15T23:59:59.999Z

All query parameters are mandatory.

Field	Description	Format
borderlessAccountId	Your borderlessAccountId is included in "Check account balance" response as field "id".	Integer
currency	Currency code	Text
intervalStart	Statement start time in UTC time	Zulu time. Don't forget the 'Z' at the end.
intervalEnd	Statement start time in UTC time	Zulu time. Don't forget the 'Z' at the end.

Note that you can also download statements in PDF and CSV formats if you replace statement.json with statement.csv or statement.pdf respectively in the above URL.

NB! This endpoint is subject to additional authentication requirements. The additional authentication is only required once every 90 days, viewing the statement on the website or in the mobile app counts towards that as well.

Response

Field	Description	Format
accountHolder.type	Account holder type: PERSONAL or BUSINESS	Text
accountHolder.address.addressFirstLine	Account holder address street	Text
accountHolder.address.city	Account holder address city	Text
accountHolder.address.postCode	Account holder address zip code	Text
accountHolder.address.stateCode	Account holder address state	Text
accountHolder.address.countryName	Account holder address country	Text
accountHolder.firstName	Account holder first name	Text
accountHolder.lastName	Account holder last name	Text
issuer.name	Account issuer name	Text
issuer.firstLine	Account issuer address street	Text
issuer.city	Account issuer address city	Text
issuer.postCode	Account issuer address zip code	Text
issuer.stateCode	Account issuer address state	Text
issuer.country	Account issuer address country	Text
bankDetails	Your borderless account bank details	Group
transactions[n].type	DEBIT or CREDIT	Text
transactions[n].date	Time of transaction	Zulu time
transactions[n].amount.value	Transaction amount	Decimal
transactions[n].amount.currency	Transaction currency code	Text
transactions[n].totalFees.value	Transaction fee amount	Decimal
transactions[n].totalFees.currency	Transaction fee currency code	Text
transactions[n].details.type	CARD, CONVERSION, DEPOSIT, TRANSFER, MONEY_ADDED, INCOMING_CROSS_BALANCE, OUTGOING_CROSS_BALANCE, DIRECT_DEBIT	Text
transactions[n].details.description	Human readable explanation about the transaction	Text
transactions[n].details.amount.value	Amount in original currency (card transactions abroad)	Decimal
transactions[n].details.amount.currency	Original currency code	Text
transactions[n].details.sourceAmount.value	Amount in source currency (conversions)	Decimal
transactions[n].details.sourceAmount.currency	Source currency code	Text
transactions[n].details.targetAmount.value	Amount in target currency (conversions)	Decimal
transactions[n].details.targetAmount.currency	Target currency code	Text
transactions[n].details.fee.value	Conversion fee amount	Decimal
transactions[n].details.fee.currency	Conversion fee currency code	Text
transactions[n].details.rate	Conversion exchange rate	Decimal
transactions[n].details.senderName	Deposit sender name	Text
transactions[n].details.senderAccount	Deposit sender bank account details	Text
transactions[n].details.paymentReference	Deposit payment reference text	Text
transactions[n].details.category	Card transaction category	Text
transactions[n].details.merchant.name	Card transaction merchant name	Text
transactions[n].details.merchant.firstLine	Merchant address street	Text
transactions[n].details.merchant.postCode	Merchant address zip code	Text
transactions[n].details.merchant.city	Merchant address city	Text
transactions[n].details.merchant.state	Merchant address state	Text
transactions[n].details.merchant.country	Merchant address country	Text
transactions[n].details.merchant.category	Merchant category	Text
transactions[n].exchangeDetails.forAmount.value	Currency exchange amount	Decimal
transactions[n].exchangeDetails.forAmount.currency	Currency code	Text
transactions[n].exchangeDetails.rate	Exchange rate	Decimal
transactions[n].runningBalance.value	Running balance after the transaction	Decimal
transactions[n].runningBalance.currency	Running balance currency code	Text
transactions[n].referenceNumber	TransferWise assigned unique transaction reference number	Text
endOfStatementBalance.value	Closing balance for specified time period	Decimal
endOfStatementBalance.currency	Closing balance currency code	Text
query.intervalStart	Query parameter repeated	Zulu time
query.intervalEnd	Query parameter repeated	Zulu time
query.currency	Query parameter repeated	Text
query.accountId	Query parameter repeated	Integer

Create topup order

Step 1 - Create quote for topup:

curl -X POST https://api.sandbox.transferwise.tech/v1/quotes \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "source": "EUR",
          "target": "EUR",
          "rateType": "FIXED",
          "targetAmount": 6000,
          "type": "REGULAR"
         }'

Step 2 - Find out your balance recipient account id:

curl -X GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "id": 64,
        "profileId": <your profile id>,
        "recipientId": <your balance recipient account id>,
        ...
   }
]

Step 3 - Create transfer for topup:

curl -X POST https://api.sandbox.transferwise.tech/v1/transfers \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "targetAccount": <recipient account id fetched in step 2>,   
          "quote": <quote id from step 1>,
          "customerTransactionId": "<the UUID you generated for the transfer attempt>",
          "details" : {
              "reference" : "optional text to identify your topup order"
            } 
         }'

There are 2 different ways you can send funds to your borderless account:

1) Simply send domestic bank transfer from your bank account to your borderless account details (IBAN / SortCode-AccountNo). There is no need to setup a topup order in this case.

2) Create a topup order and then send corresponding amount via domestic or international bank transfer to TransferWise escrow bank account details.

You can obtain escrow account details from your account manager.

This option is usually used when you are sending funds via international (swift) transfers.

Setting up a topup order is similar to setting up a regular transfer. Some minor changes are documented below.

1. Create topup quote

POST https://api.sandbox.transferwise.tech/v1/quotes

Same way as described in Create quote but use quote type REGULAR:

2. Find out your balance recipient account id

GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId}

Call Check account balance endpoint and fetch recipientId field value from the response.

This recipientId will not change, so you just need to fetch it once and then you can re-use the same value for all topup orders.

3. Create topup transfer (order)

POST https://api.sandbox.transferwise.tech/v1/transfers

As last step you now need to create a transfer (topup order). This is same call as described in Create transfer.

Use the value fetched in previous step in targetAccount field.

All done.

Going live checklist

1. Make your integration bulletproof

Implement basic retry mechanism to handle potential failures or network interruptions
Implement duplicate prevention mechanism to avoid duplicate payments. Verify that UUID is uniquely generated for each individual payment and that its value is kept the same in case of retrying.
Implement basic logging to help out in debugging and problem solving, if needed.
Check that you can handle all possible transfer states during polling of transfer info.
Automatically check available balance before submitting requests to fund your transfers. This avoids rejections due to insufficient balance.
Verify that your borderless account statement includes all the information you need for financial accounting.

2. Open LIVE account

Sign up for your TransferWise account and go through the onboarding flow, including the 2FA setup. Make sure your borderless account and balances are activated.

3. Set up security for LIVE environment

Get your live API token from Settings page.
Store your live API token securely in your production servers so that only authorized members of your team have access to it.

4. Do penny testing in LIVE

Make a small deposit into your borderless account.
Make few small value test payments via LIVE API before you start executing larger transfers.
All set. Switch it on.

You can always track our API status here.
Also you can sign up for API status notifications.

Bank Integrations Guide (LEGACY)

New documentation available

For any banks who are beginning their integration now please use the new version of the TransferWise for Banks API documentation which has been updated and improved with he latest API endpoints and use cases for banks. This documentation remains only as a reference for older integrations.

API access

TransferWise uses standard OAuth 2.0 protocol for authentication and authorization.

Once our partnership begins, we’ll send you API access credentials for the sandbox environment consisting of a Client ID and a Client Secret. The credentials are needed to complete the authorisation_code grant type of OAuth 2.0 through which the customer will allow your application to be able to act on their behalf. We also need redirect_url from your technical team so that we can limit our callbacks to only that URL, this is URL that we will forward users to after successfully granting your application access to their TransferWise account. Specifying this explicitly makes the integration more secure. This article about OAuth 2.0 framework is a great way to refresh your knowledge about the protocol itself.

SANDBOX and LIVE environments

Sandbox API is located at https://api.sandbox.transferwise.tech
LIVE API is located at https://api.transferwise.com

Customized user interface

You will build your TransferWise user experience directly into your mobile and desktop applications.

There are different ways to build the frontend experience, especially when it comes to the sequence of steps in the payment flow. This guide is more like a list of building blocks and ideas for what you can do, rather than a strict step-by-step guide.

For example, you can put sign up/log in step as a first step, then show the currency calculator, and then collect recipient details. Alternatively, you can build it so a user starts from the calculator, then you collect recipient details, and as a last step ask user to sign up/log in.

We have plenty of examples to show you how this has been done by our current partners and can help you to build a great experience for your customers.

Building your backend

You should expose an API internally for your web and mobile clients to call to provide the required TransferWise features. Your backend system will manage both communication to the TransferWise API and internal operations such as checking a user has sufficient balance to make the requested transfer and triggering the funds to be sent to TransferWise when they confirm a transfer.

You should also store a copy of certain data relating to TransferWise to decrease latency and increase resiliency when users review previous transfers they made or recipients they sent funds to. The extent of what you store will depend on your integration.

You should also build a polling mechanism to periodically update the status of a transfer and its delivery estimate, keeping your user up to date of where their transfer is in the process.

We have a dedicated team focusing on bank partnerships who will help you along the way, sharing knowledge and experience from previous integrations to help you build a robust and highly available system.

Your TransferWise user experience

User onboarding flow

The user onboarding flow consists of these building blocks.
You need to go through this flow only once for each customer before they can set up their first transfer.

Get user authorization for existing accounts or sign up a new user via API
Get user tokens
Create personal user profile
Create business user profile - this is an optional step only to be used if your bank is providing business customers access to TransferWise.

Transfer flow

To create transfers on behalf of users you need these building blocks:

Refresh user's access token
Create quote
Create recipient account
Create transfer
Fund transfer

Transfer update polling

To keep your users informed of the status and estimated time of arrival of their transfer:

Transfer status
Delivery estimate

Get user authorization for existing accounts

At a high level there are three steps to gaining access to an existing TransferWise account.

Your app redirects the user to TransferWise authorization webpage, which prompts them to login if necessary.
The user logs in to TransferWise.
The user agrees to provide access.
The user is redirected back to your preconfigured callback URL; including a code you can use to generate user tokens, and the profile(s) that the user token can be used with, e.g. https://www.yourbank.com/?code=[CODE]&profileId=[PROFILE ID]

These steps are explained in more detail below.

1. Your banking app redirects user to TransferWise authorization webpage

Your website or app opens the following url in the user's browser.

Sandbox:
https://sandbox.transferwise.tech/oauth/authorize/?client_id={clientId}&redirect_uri={redirectUri}
Live:
https://transferwise.com/oauth/authorize/?client_id={clientId}&redirect_uri={redirectUri}

List of available parameters:

Parameter	Description
client_id (required)	The client ID you received from us.
redirect_uri (required)	The preconfigured URL in your application where users will be sent after authorization.
state	An opaque value, used for security purposes. If this parameter is set in the request, then it is returned to the application as part of the redirect_uri. More about state parameter.

On mobiles apps you should not use WebView components to show the authorization page to the users because they are not secure and will not allow users to log in to TransferWise with Google, which is an option used by some of our users. Your app should instead open the device's full browser app.

Please also note that provided [CODE] expires within 30 minutes and is one time use only.

2. The user logs in to TransferWise

Our usual log in screens are presented to the user if they are not already logged in on the browser being used. If enabled for a user they will also be prompted to go through our two-factor authentication procedure.

3. The user agrees to grant access and we forward them to your redirect_url

Once a user gives your banking app authorization to connect to TransferWise and access their data, the user is redirected back to your redirect_url with a generated code query string value. For example

https://www.yourbank.com/?code=[CODE]&profileId=[PROFILE ID]

Your website or service can then use this code to obtain the access token to act on behalf of the user account described in the get user tokens section.

The profileId parameter specifies which profiles this access token can be used with.

If you are building your TransferWise integration as a native mobile phone app then the redirect URL should be able to handle returning the user to the correct place in the app.

At the point you gain access to a user account you should double check it is the one you were expecting to be given access to - sometimes users can get confused and log in to a different account. Together we want to avoid TransferWise accounts being linked to bank accounts of a different person or business, therefore you should check the user's details once the link is created. Currently you should do this sanity check based on the date of birth of the user but are working on a more robust solution. If the DoB exists but doesn't match then you should not allow the link to be made and inform the user we do not think the accounts match and to get in touch with customer service.

Error handling

When authorization request returns an error response, we display the message on our webpage. The user may also see a link back to your application, with error and error_description parameters in the url instead of code.

If the user doesn't already have a TransferWise account then you can create one for them. The sign up with registration code feature lets you create new users directly via an API call, without the need to redirect new users to the TransferWise authorization page. This way new users can complete everything without ever leaving your banking app, making a very streamlined flow.

We can provide this option to banks where we can create a trusted reliance model on your KYC processes. Please discuss this option with the team supporting your integration.

Existing TransferWise users will always need to be redirected to authorization page flow, you can detect this at the point you attempt to create the user based ont he API response.

Note that these new users have to accept TransferWise Terms and Conditions as part of their sign up process nevertheless. See endpoint Terms and conditions.

Get user tokens

When using the first option to (get user authorization for existing accounts ) then this step is to generate user-level tokens so you can call API endpoints on behalf of the user who authorized your banking app. You do this using the access code that was returned to you as a query string parameter in the redirect_uri you provided us.

Example Request:

curl \
-u '[your-api-client-id]:[your-api-client-secret]' \
-d 'grant_type=authorization_code' \
-d 'client_id=[your-api-client-id]' \
-d 'code=[code-from-redirect-uri]' \
-d 'redirect_uri=https://www.yourbank.com' \
'https://api.sandbox.transferwise.tech/oauth/token'

You will be returned an access token and a refresh token.

Example Response:

  {
    "access_token":"ba8k9935-62f2-475a-60d8-6g45377b4062",
    "token_type":"bearer",
    "refresh_token":"a235uu9c-9azu-4o28-a1kn-e15500o151cx",
    "expires_in": 43199,
    "scope":"transfers"
  }

For calling API endpoints you need to provide the user's access_token in the request's HTTP header in the format Authorization: Bearer <access_token>. Access tokens are short lived for security reasons, they are only valid for 12 hours by default. When they expire you need to use the refresh_token to generate a new access_token.

This means you have to securely store the user's refresh_token in order to generate a new access_token each time they use your TransferWise integration, or you poll for updated data,

Request

POST https://api.sandbox.transferwise.tech/oauth/token

Use Basic Authentication with your api-client-id/api-client-secret as username/pwd.

Field	Description	Format
grant_type	"authorization_code"	Text
client_id	your api_client_id	Text
code	Code provided to you upon redirect back from authorization flow. See step Get user authorization.	Text
redirect_uri	Redirect page associated with your api client credentials	Text

Response

Field	Description	Format
access_token	Access token to be used when calling API endpoints on behalf of user. Valid for 12 hours.	uuid
token_type	"bearer"	Text
refresh_token	Refresh token which you need to use in order to request new access_token. The lifetime of refresh tokens is 10 years.	uuid
expires_in	Expiry time in seconds	Integer
scope	"transfers"	Text

Refresh user access token

Example Request:

      curl \
      'https://api.sandbox.transferwise.tech/oauth/token' \
      -u '[your-api-client-id]:[your-api-client-secret]' \
      -d 'grant_type=refresh_token' \
      -d 'refresh_token=[user's refresh token]'

Example Response:

  {
    "access_token":"be69d566-971e-4e15-9648-85a486195863",
    "token_type":"bearer",
    "refresh_token":"1d0ec7b9-b569-426d-a18d-8dead5b6a3cc",
    "expires_in":43199,
    "scope":"transfers"
  }

Access tokens are valid for 12 hours, so upon expiry you need to use refresh_token to generate new access_token.

In order to maintain an uninterrupted connection, you can request a new access token whenever it’s close to expiring. There is no need to wait for the actual expiration to happen first.

Request

POST https://api.sandbox.transferwise.tech/oauth/token

Use Basic Authentication with your api-client-id/api-client-secret as username/pwd.

Field	Description	Format
grant_type	"refresh_token"	Text
refresh_token	User's refresh_token obtained in Get user tokens step.	uuid

Response

Field	Description	Format
access_token	Access token to be used when calling API endpoints on behalf of user. Valid for 12 hours.	uuid
token_type	"bearer"	Text
refresh_token	Refresh token which you need to use in order to request new access_token once the existing one expires	uuid
expires_in	Expiry time in seconds	Integer
scope	"transfers"	Text

Token Expiry

It is possible that a user's refresh token will become invalid. This could happen for a number of reasons, for example:

The user revokes access for your application to their account.
The user enables enhanced security on their TransferWise account.
TransferWise revoke tokens due to a security breach of your client secret.

Due to this possibility your application should handle a failing refresh token scenario - to do this depends on how you originally gained access to the user.

1. An existing user granted your application access to the account

If you were granted access by an existing user then you should send the user through the same flow as you initially did to generate tokens described in get user authorization for existing accounts.

2. Your application created the user

In the case you created the user using the sign up new users via API flow then the mechanism for regenerating tokens is dependent on whether the user you created has "reclaimed" their TransferWise account and used our website or apps directly.

If the user has not reclaimed their account then the original registrationCode you generated should still be able to generate new tokens for the user. Because of this you should store this code alongside the created user ID in your database at the point of user generation.

If the previously stored token fails with an error code 400 and error:

{
  "error": "invalid_grant",
  "error_description": "Invalid user credentials."
}

In this case you can assume the user has reclaimed the account and push them through the get user authorization for existing accounts flow.

Create personal user profile

When you first get access to a user's TransferWise user account you cannot predict if they already have submitted their profile data or not.

The User Profiles.List endpoint will give you data for both personal and business profiles, if they exist. This makes it easy to figure out if a user has already set up this data with TransferWise or not. If the user already has a personal profile set up, then you can skip this creation step.

If you are using the sign up new users via API feature then you absolutely need to create personal profile for the user, however it is possible you will also need to do it when getting access to an existing user account.

There are three steps to creating a new personal user profile:

1) Create personal user profile – general data. This includes customer name, date of birth, and phone number.

2) Open update window. Open the update window for the profile updates.

3) Create personal user profile – address data. Add address information to the personal user profile.

4) Close update window. Close the update window for the profile updates.

Create business user profile

A personal profile has to be created first. You can’t create a business user profile without a personal profile.

Creating a business profile is similar to how you created a personal profile. There are four steps:

1) Create business user profile – general data. This includes business name, type and other information.

2) Open update window. Open the update window for the profile updates.

3) Create business user profile – address data. Add address information to the business user profile.

4) Create business user profile - director data. Add business director information to the business user profile.

5) Create business user profile - UBO data. Add ultimate business owner information to the business user profile.

6) Close update window. Close the update window for the profile updates.

Create quote

Please look at Create quote under Full API Reference.

You need to set quote type as "REGULAR".

Create or select recipient account

Please look at Create recipient account under Full API Reference for information on the calls to create recipients.

It is also recommended that you use the GET accounts endpoint to load the user's previously used recipients and allow them to select from them in your user interface. This allows them to only have to create a recipient once and then re-use it in future, plus it allows existing TransferWise users to use their familiar users from our platform.

When returning this list please filter out any recipient of type SwiftCode, unfortunately API limitations mean these cannot be used in bank integrations.

You should store a cached copy of the recipients that are used or created by users of your app such that you can load that data again quickly to show in your app, for example a transfer tracking screen might show recipient data.

Please note, when creating a new transfer always reload the full list of recipients over our API as cannot be certain the recipients you store a copy of have not been deleted in the meantime.

Create transfer

Please look at Create transfer under Full API Reference.

Fund transfer

Once you have successfully created a transfer via the TransferWise API you should debit the exact source amount from your customer's bank account and send the funds to TransferWise’s local bank account via domestic payment. You should send the amount provided in the quote object you created in the first step of the process. The details of this bank account will be shared with you by the TransferWise team helping your integration.

In order for us to link this incoming domestic payment with a corresponding transfer order, we need you to use specific text in the "payment reference" field. Calling endpoint Get pay-in methods with quoteId returns you the correct reference text, e.g. quote-1456477 P5472304. We currently drive this behaviour using the second part of this string, starting with P, you should use a regular expression to extract this string to send as the reference, e.g. .*(P\d+), taking the second group.

Track transfer status

Please look at Track transfer status under TransferWise Payouts Guide.

Get updated transfer delivery time estimate

Please look at Get transfer delivery time under TransferWise Payouts Guide.

Updating personal profile

When user data changes the personal profile information must be updated.

1) Open update window. Open the update window for profile updates.

2) Update personal profile - general data. Update the personal profile data.

3) Close update window. Close the update window for profile updates.

Updating business profile

When business data changes the business profile information must be updated.

1) Open update window. Open the update window for profile updates.

2) Update business profile - general data. Update the business profile data.

3) Update business profile - directors data. Update directors information in the business user profile.

3) Update business profile - UBO data. Update ultimate business owners information in the business user profile.

4) Close update window. Close the update window for profile updates.

Edge case handling

This section discusses some edge cases that you should test and handle before going live with your integration.

Email address considerations

Due to how getting access to user accounts works the TransferWise platform relies on user email addresses matching between the bank and ourselves. At the point the bank attempts to create a user we check and see if an account already exists for that email address, if so we return a 409 response and the client application forwards the user to login to TransferWise to do the OAuth grant flow.

This works well when the email addresses match in the first place and aren't updated on either side after the link is established. Of course, this is not always going to be the case so we must consider what happens in either eventuality.

Non-matching email addresses

If a user already has a TransferWise account and you create a user for the same person under a different email address they could end up with a duplicate user account under the second email address. Currently we monitor this behaviour for abuse but we are working on a more robust user creation solution to prevent this occurring.

Email Change

It is possible to change a user’s email address both at TransferWise and potentially also on the bank platform. These flows can cause complications with the integration.

Email changed at TransferWise

If a user changes their email address all tokens to the user account are revoked. In this case the bank will receive a 400 when attempting to generate an access_token and as such should follow the same process as described in the token expiry section above and start the sign up flow from the beginning.

In this case, if the user has changed their email address at TransferWise, it is possible the user will end up with a new TransferWise account using their old email address still held by the bank, or they might link their bank account to a different already existing TransferWise account under the old email address.

Email changed at the bank

In this case the tokens will remain valid for the TransferWise account, however, depending on how the user originally linked the account, different things can happen when/if that token expires.

If the bank created the account originally they will be unable to generate tokens using the registration_code they have as the endpoint requires the email address which will now no longer match. To mitigate this it is recommended that the bank store the email that was originally used for sign up alongside the registration code and use this rather than the most up to date email address they store for the user.

If the token expires for a user not created by the bank and the user has a new email address at the bank then they can be pushed through the sign up flow with this new email address and either have a new account created or link an existing against the new email, as described in token expiry.

The result of many of these flows is that the user may end up with more than one TransferWise account, which is undesirable. Currently we monitor this behaviour for abuse but we are working on a more robust user creation scenario to prevent this occurring.

Email change mitigation

The result of these eventualities are that over time a user of the bank could be linked to more than one TransferWise account and so therefore you will need to be defensive when requesting older user data as the request may fail because we forbid one user to access other user's data. We recommend to keep a local copy of your user's transfer data and update it asynchronously such that older transfers remain accessible to the user in the case where it can no longer be accessed. You should also make sure to handle these failing calls gracefully and continue to process transfers that can be accessed over the API.

In the event a user is not happy at losing access to their older data or having two accounts is confusing then we can manually update the email addresses to match for the two accounts they want.

Going live checklist

1. Make your integration bulletproof

Implement basic retry mechanism to handle potential failures or network interruptions
Implement duplicate prevention mechanism to avoid duplicate payments. Verify that UUID is uniquely generated for each individual payment and its value is kept same in case of retrying.
Implement basic logging to help out in debugging and problem solving, if needed.
Check that you can handle all possible transfer states during polling of transfer info.
Handle the potential issues described in edge case handling.
Required data fields for user profile addresses, recipients, and transfers vary for different currencies. Please explore Recipient Accounts.Requirements, Transfers.Requirements and Addresses.Requirements.

2. Set up security for LIVE environment

Make sure you have received and successfully decrypted Live API credentials, storing them securely.
Ensure access tokens and refresh tokens are also stored securely and only exposed to authorized persons.
Make sure your server has TLS version 1.2 or higher.
Implement a mechanism to obtain new access token upon expiration.

3. Do some testing in LIVE

Launch LIVE integration to a limited set of your customers and test all currency routes you will offer end-to-end.
We recommend launching a limited set of currencies initially to limit the scope of potential issues, please seek guidance from the TransferWise team.
Test successful flow and bounce back flow (where funds cannot be delivered).
All set. Switch it on.

You can always track our API status here.
Also you can sign up for API status notifications.

Affiliates Integration Guide

API access

Once you become our affiliate we will send you TransferWise API access credentials: api_client_id & api_client_secret. You can then use these as username and password with Basic Authentication method.

There are two endpoints Exchange Rates.List and Get Temporary Quote which you can call with this authentication method.

TEST and LIVE environments

Sandbox API is located at https://api.sandbox.transferwise.tech
LIVE API is located at https://api.transferwise.com

Get current exchange rates

Example Request (Basic authentication):

curl -X GET "https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD" \
     --user <your api client_id>:<your api client_secret>

Example Response:

[
    {
        "rate": 1.166,
        "source": "EUR",
        "target": "USD",
        "time": "2018-08-31T10:43:31+0000"
    }
]

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD

TransferWise updates exchange rates in nearly real-time – at least once per minute. This allows you to track and see the current mid-market exchange rate for any currency route.

See more at Exchange Rates.List

Get exchange rate history

Example Request (Basic authentication):

curl -X GET "https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&from=2018-08-15T00:00:00&to=2018-08-30T23:59:59&group=day" \
     --user <your api client_id>:<your api client_secret>

Example Response:

[
    {
        "rate": 1.166,
        "source": "EUR",
        "target": "USD",
        "time": "2018-08-15T00:00:00+0000"
    },
    {
        "rate": 1.168,
        "source": "EUR",
        "target": "USD",
        "time": "2018-06-30T00:00:00+0000"
    }
    ...
]

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&from=2018-08-15T00:00:00&to=2018-08-30T23:59:59&group=day

We expose up to 30 days exchange rate history via our API. This helps you to build an analysis page to show trends and implement an alerting system for your users.

See more at Exchange Rates.List

Get pricing and speed

Example Request (Basic authentication):

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes?source=EUR&target=GBP&rateType=FIXED&targetAmount=600 \
     --user <your api client_id>:<your api client_secret>

Example Response:

{
    "source": "EUR",
    "target": "GBP",
    "sourceAmount": 663.84,
    "targetAmount": 600.00,
    "type": "REGULAR",
    "rate": 0.9073,
    "createdTime": "2018-08-27T14:35:44.553Z",
    "createdByUserId": 0,
    "rateType": "FIXED",
    "deliveryEstimate": "2018-08-27T14:35:44.496Z",
    "fee": 2.34,
    "allowedProfileTypes": [
        "PERSONAL",
        "BUSINESS"
    ],
    "guaranteedTargetAmount": false,
    "ofSourceAmount": true
}

GET https://api.sandbox.transferwise.tech/v1/quotes?source=EUR&target=GBP&rateType=FIXED&targetAmount=600

Is currency route supported?

If we don't support a route then this endpoint will respond with an error code "error.route.not.supported".

How much does a transfer cost?

The TransferWise fee is included in the response.

How long does my transfer take?

Estimated delivery time is included in the response. This can vary quite a lot for different currency routes. For example transfers often only take a few hours from EUR to GBP, while sending money from USD can take 1-2 business days. This endpoint allows you to find out the estimated delivery time for each currency route.

See more at Get Temporary Quote

Open Banking

Base Open Banking URL in Sandbox

https://openbanking.sandbox.transferwise.tech

Base Open Banking URL in Production

https://openbanking.transferwise.com

The TransferWise Open Banking API is aimed for Financially Regulated Third Party Providers who can prove their regulatory status either by being a member of the Open Banking Directory or possessing an eIDAS Certificate. Third Parties or individuals who do not meet these requirements are welcome to check out our Public API.

The TransferWise Open Banking API is a collection of RESTful APIs that enable Third Party Providers (TPPs) to access account information, initiate payments and confirm availability of funds on behalf of TransferWise customers. The API implementation follows the Open Banking UK standard, and TransferWise is a registered member of the Open Banking Directory.

Through this API you can either query account information, if you're an Account Information Service Provider (AISP), initiate payments, if you're a Payment Initiation Service Provider (PISP), or confirm the availability of funds, if you're a Card Based Payment Instrument Issuer (CBPII). We are currently supporting version 3.1.1 of the Open Banking API.

Prerequisites

Well-Known Open Banking URL in Sandbox

https://sandbox.transferwise.tech/openbanking/.well-known/openid-configuration

Well-Known Open Banking URL in Production

https://transferwise.com/openbanking/.well-known/openid-configuration

There's a couple of things you should be aware of in order to connect to the TransferWise Open Banking API:

Being a registered TPP under the Open Banking Directory will ease the integration process.
We are using mutualTLS as the means for authentication. Moreover, the CN of your client certificate is expected to match the clientId under which you are registered.
You need to register your client, before you'll be able to call any of the APIs. Check out the Sandbox Access first.

For a detailed description of requirements and supported algorithms please check out the Well-Known Open Banking URL.

Sandbox Access

We highly recommend that you get started with connecting to our sandbox first, before moving on to production. To get started with the registration process drop us an email to openbanking@transferwise.com.

Open Banking Directory

If you're a registered TPP in the Open Banking Directory you will probably be using a Signing and a Transport certificates issued by Open Banking. At the moment we accept the old style OB Transport and OB Signing certificates.

You can easily onboard by providing a Software Statement Assertion (SSA) generated in the Open Banking Directory.

Please make sure to have your list of Redirect Uri-s correctly configured in your Software Statement, otherwise you'll not be able to go through the whole flow.

eIDAS Certificates

In case you're using an eIDAS certificates instead of the ones issued by the Open Banking Directory just contact us at openbanking@transferwise.com to see how we can move forward.

Sandbox Test User

You can sign up for a test user account here https://sandbox.transferwise.tech/register. The 2FA code used for any subsequent logins to the sandbox will alway be 111111.

You'll be asked to set up a developer account by filling in your profile information. Once this is done, you'll see that your newly created profile comes with a couple of test accounts opened and some test funds in them.

You do NOT need to create an API Token via the web interface in case you're intention is to use this test user for the Open Banking flow.

Sandbox Test Flow

After you've successfully applied for the Sandbox Access and you've set up a Sandbox Test User you are ready to test the Open Banking flow. For the purpose of this test flow let's assume that your TPP is an AISP and it's registered with the following details

Client ID	Redirect URI	Authorized Scopes
ob-dummy-tpp	https://ob-dummy-tpp/redirect	accounts

1. Create an Access Token

Example Token Request

curl -X POST \
  https://openbanking.sandbox.transferwise.tech/open-banking/auth/token \
  --cacert CA.pem --cert client.pem --key client.key \
  -H 'Content-Type: application/x-www-form-urlencoded' \
  -d 'grant_type=client_credentials&scope=accounts'

Example Response

{
    "access_token": "abcd1234-abcd-1234-abcd-abcdef123456",
    "token_type": "bearer",
    "expires_in": 6000,
    "scope": "accounts openbanking"
}

As a first step you'll need to request an access token from the Token Endpoint.

Request

POST https://openbanking.sandbox.transferwise.tech/open-banking/auth/token

Field	Description	Format
grant_type	OAuth Grant Type	`client_credentials`
scope	The requested scopes	Space separated list

You must include the requested scope in your token request. As an AISP your requested scope will be accounts.

Response

Field	Description	Format
access_token	The access token	Text
expires_in	Expiration time in seconds	Long
scope	The scopes you have been given access to	Text

Example Create Consent Request

curl -X POST \
  https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/account-access-consents \
  --cacert CA.pem --cert client.pem --key client.key \
  -H 'Authorization: Bearer abcd1234-abcd-1234-abcd-abcdef123456' \
  -H 'Content-Type: application/json' \
  -d '{
  "Data": {
    "Permissions": [
      "ReadAccountsBasic", "ReadTransactionsBasic", "ReadTransactionsDebits"
    ]}}'

Example Response

{
    "Data": {
        "Status": "AwaitingAuthorisation",
        "ConsentId": "123"
    }
}

POST https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/account-access-consents

Using the access-token returned from Creating an Access Token you can create a new consent object. Use the authorization header:

Authorization: Bearer xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxx

The payload of this request will look different depending on whether you're an AISP, PISP or CBPII. For an AISP you'll need to specify a set of permissions describing the access that you wish to gain on behalf of the end user.

For AISPs the list of supported permissions is:

ReadAccountsBasic
ReadAccountsDetail
ReadBalances
ReadTransactionsBasic
ReadTransactionsCredits
ReadTransactionsDebits
ReadTransactionsDetail

The response will be JSON data reflecting the newly created consent object. There are two important return values to highlight here.

Data.Status will contain AwaitingAuthorisation because this consent has not been authorized by the user yet.
Data.ConsentId will contain the unique identifier assigned to your consent object. Save this, as you'll need it later.

3. User Flow

Example Authorization Request

https://sandbox.transferwise.tech/openbanking/authorize?
  response_type=code%20id_token&
  redirect_uri=https://ob-dummy-tpp/redirect&
  scope=openid%20accounts&
  client_id=ob-dummy-tpp&
  state=state123&
  nonce=nonce123&
  request=eyJ0...sYjmjJg

Example Authorization JWT Request

HEADER

{
   "kid" : "er84c2cYa6dAe57BV3278Pf",
   "alg" : "PS256",
   "typ" : "JWT"
}

PAYLOAD

{
   "scope" : "openid accounts",
   "response_type" : "code id_token",
   "sub" : "user_id",
   "claims" : {
      "id_token" : {
         "openbanking_intent_id" : {
            "essential" : true,
            "value" : "123"
         },
         "acr" : {
            "values" : [
               "urn:openbanking:psd2:sca",
               "urn:openbanking:psd2:ca"
            ],
            "essential" : true
         }
      },
      "userinfo" : {
         "openbanking_intent_id" : {
            "value" : "123",
            "essential" : true
         }
      }
   },
   "iss" : "ob-dummy-tpp",
   "client_id" : "ob-dummy-tpp",
   "aud" : "https://openbanking.sandbox.transferwise.tech",
   "exp" : 2499287201,
   "iat" : 2499283601,
   "max_age" : 86400,
   "redirect_uri" : "https://ob-dummy-tpp/redirect"
}

At the moment we are only supporting the browser redirect flow (Hybrid Flow) for authorizing the created consent.

The customer journey will start from the TPPs website from where a user action will trigger a redirect to the TransferWise Open Banking Authorization Endpoint

GET https://sandbox.transferwise.tech/openbanking/authorize

Parameter	Required	Description
response_type	Mandatory	code id_token
redirect_uri	Mandatory	One of the pre-registered redirect URIs
scope	Mandatory	Must include `openid` plus any requested scope
client_id	Mandatory	Pre-registered clientId of the TPP
request	Mandatory	JWT Request Object
state	Optional	If present, it must also be present in the JWT
nonce	Optional	If present, it must also be present in the JWT

You can take a look at the example JWT request object on the right. Please note that:

Every request parameter sent in the URL must also be present in the signed JWT.
The aud claim should be correctly filled as https://openbanking.sandbox.transferwise.tech
The openbanking_intent_id must be filled with a valid ConsentId issued to the TPP.
The JWT must be signed with a valid signing certificate.

Once the TPP redirects the user browser to the Authorization Endpoint the following things will happen in order:

User Login (use the username and password from the Test User Registration)
Pass 2FA challenge (User the code 111111 in sandbox)
Select profile you wish to give access to (Business or Personal)
Review and Authorize Consent
Redirect back to TPP

As part of the last step, the user browser is redirected to the TPP with the following parameters

Parameter	Required	Description
code	Mandatory	The `authorization_code` issued as the request of the request
id_token	Mandatory	Signed JWT containing details about the authorization
state	Optional	In case it was provided with the request

Note that in case the authorization request fails either because of a validation error on the request, or because the enduser drops off, we still redirect the user browser to the TPP with an error response of the following format:

Field	Description	Format
error	Error code according to RFC6749	Text
error_description	Detailed explanation of error	Text

4. Exchange Authorization Code for Access Token

Example Token Request

curl -X POST \
  https://openbanking.sandbox.transferwise.tech/open-banking/auth/token \
  --cacert CA.pem --cert client.pem --key client.key \
  -H 'Content-Type: application/x-www-form-urlencoded' \
  -d 'grant_type=authorization_code&redirect_uri=https%3A%2F%2Fob-dummy-tpp%2Fredirect&code=abcdauthcode'

Example Response

{
    "access_token": "zzzzzzzz-1111-2222-3333-zzzzzzzzzzzz",
    "token_type": "bearer",
    "refresh_token": "refreshr-efre-shre-fres-hrefreshrefr",
    "expires_in": 6000,
    "scope": "accounts consent-id:123 openbanking openid"
}

Once you get the authorization code after the browser redirect, you'll have to call the Token Endpoint to exchange this for a valid access token.

Request

POST https://openbanking.sandbox.transferwise.tech/open-banking/auth/token

Field	Description	Format
grant_type	OAuth Grant Type	`authorization_code`
redirect_uri	Pre-registered redirect Uri	URI
code	Authorization Code	Text

Response

Field	Description	Format
access_token	The access token	Text
expires_in	Expiration time in seconds	Long
scope	The scopes you have been given access to	Text
refresh_token	Refresh Token for refreshing access token	Text

5. Query the API

Example Request

curl -X GET \
  https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/accounts \
  --cacert CA.pem --cert client.pem --key client.key \
  -H 'Authorization: Bearer zzzzzzzz-1111-2222-3333-zzzzzzzzzzzz' \

Example Response

{
    "Data": {
        "Account": [
            {
                "AccountId": "504",
                "Currency": "GBP",
                "AccountType": "Personal",
                "AccountSubType": "EMoney",
                "Account": [
                    {
                        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
                        "Identification": "230xxx1000xxxx",
                        "Name": "John Smith (GBP)"
                    }
                ],
                "Servicer": {
                    "SchemeName": "UK.OBIE.BICFI",
                    "Identification": "TRWIGB22"
                }
            }
        ]
    }
}

With the access-token from Authorization Code Flow used in the Authorization header, you'll be able to query the data endpoints.

Authorization: Bearer xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxx

As an AISP you'll be able to call the following endpoints

Accounts

GET https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/accounts

GET https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/accounts/{id}

Balances

GET https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/accounts/{id}/balances

Transactions

GET https://openbanking.sandbox.transferwise.tech/open-banking/v3.1/aisp/accounts/{id}/transactions

Contact Us

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Check our API status at https://status.transferwise.com/ If you would like to receive status change notifications, feel free to sign up here.

Have a technical question about API?
Send email to api@transferwise.com

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We have a dedicated team to talk to you. https://transferwise.com/gb/business/contact

Have a question about how TransferWise works?
Search TransferWise Help Centre. https://transferwise.com/help

Want more information about your payments?
Lookup TransferWise Support Centre details. https://transferwise.com/contact

Full API Reference

Addresses

Create

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/addresses \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "details": {
            "country": "EE",
            "firstLine": "Narva mnt 5-1",
            "postCode": "10113",
            "city": "Tallinn"
          }
        }'

Example Response:

{
  "id": 236532,
  "profile": <your profile id>,
  "details": {
    "country": "EE",
    "firstLine": "Narva mnt 5-1",
    "postCode": "10113",
    "city": "Tallinn",
    "state": "",
    "occupation": null
  }
}

Adds address info to user profile. List of required fields are slightly different for different countries.
For example state field is required for US, CA, BR and AU addresses but not for other countries. Please look at Addresses.Requirements to figure out which fields are required to create addresses in specific country.

Request

POST https://api.sandbox.transferwise.tech/v1/addresses

Field	Description	Format
profile	User profile id.	Integer
details.country	2 digit ISO country code.	Text
details.firstLine	Address line: street, house, apartment.	Text
details.postCode	Zip code	Text
details.city	City name	Text
details.state	State code. Required if country is US, CA, AU, BR	Text
details.occupation	User occupation. Required for US, CA, JP	Text

Response

Field	Description	Format
id	Address id	Integer
profile	User profile id.	Integer
details.country	2 digit ISO country code.	Text
details.firstLine	Address line: street, house, apartment.	Text
details.postCode	Zip code	Text
details.city	City name	Text
details.state	State code. Required if country is US, CA, AU, BR	Text
details.occupation	User occupation. Required for US, CA, JP	Text

Get By Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/addresses/{addressId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 236532,
  "profile": <your profile id>,
  "details": {
    "country": "EE",
    "firstLine": "Narva mnt 5-1",
    "postCode": "10113",
    "city": "Tallinn",
    "state": "",
    "occupation": null
  }
}

Get address info by id.

Request

GET https://api.sandbox.transferwise.tech/v1/addresses/{addressId}

List

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/addresses?profile={profileId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "id": 7099091,
        "profile": <your profile id>,
        "details": {
            "country": "EE",
            "firstLine": "Veerenni 29",
            "postCode": "12991",
            "city": "Tallinn",
            "state": null,
            "occupation": null
        }
    }
]

List of addresses belonging to user profile.

Request

GET https://api.sandbox.transferwise.tech/v1/addresses?profile={profileId}

Requirements

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/address-requirements \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "type": "address",
    "fields": [
      {
        "name": "Country",
        "group": [
          {
            "key": "country",
            "type": "select",
            "refreshRequirementsOnChange": true,
            "required": true,
            "displayFormat": null,
            "example": "Germany",
            "minLength": null,
            "maxLength": null,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": [
              {
                "key": "AX",
                "name": "Åland Islands"
              },
              ...
              {
                "key": "ZM",
                "name": "Zambia"
              }
            ]
          }
        ]
      },
      {
        "name": "City",
        "group": [
          {
            "key": "city",
            "type": "text",
            "refreshRequirementsOnChange": false,
            "required": true,
            "displayFormat": null,
            "example": "London",
            "minLength": null,
            "maxLength": null,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": null
          }
        ]
      },
      {
        "name": "Postal code",
        "group": [
          {
            "key": "postCode",
            "type": "text",
            "refreshRequirementsOnChange": false,
            "required": true,
            "displayFormat": null,
            "example": "10025",
            "minLength": null,
            "maxLength": null,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": null
          }
        ]
      }
      ...
    ]
  }
]

Request

GET https://api.sandbox.transferwise.tech/v1/address-requirements
POST https://api.sandbox.transferwise.tech/v1/address-requirements

GET and POST address-requirements endpoints help you to figure out which fields are required to create a valid address for different countries. You could even build a dynamic user interface on top of these endpoints. This is a step-by-step guide on how these endpoints work.

Call GET /v1/address-requirements to get list of fields you need to fill with values in "details" section for creating a valid address. Response contains 4 required top level fields:
- country (select field with list of values)
- city (text field)
- postCode (text field)
- firstLine (text field)
Analyze the list of fields. Because refreshRequirementsOnChange=true for field 'country' then this indicates that there are additional fields required depending on the selected value.
Call POST /v1/address-requirements with selected country value to expose sub fields.
For example posting {"details": {"country" : "US"}} will also add "state" to list of fields.
But posting {"details": {"country" : "GB"}} will not.
If you choose "US" as country you will notice that "state" field also has refreshRequirementsOnChange=true. This means you would need to make another POST call to /v1/address-requirements with a specific state value.
For example posting {"details": { "country" : "US", "state": "AZ" }} will also add "occupation" to list of fields.
But posting {"details": { "country" : "US", "state": "AL" }} will not.
So once you get to the point where you have provided values for all fields which have refreshRequirementsOnChange=true then you have complete set of fields to compose a valid request to create an address object. For example this is a valid request to create address in US Arizona:
POST /v1/addresses:
{ "profile" : your-profile-id,
"details": {
"country" : "US",
"state": "AZ",
"city": "Phoenix",
"postCode": "10025",
"firstLine": "50 Sunflower Ave.",
"occupation": "software engineer"
} }

Response

Field	Description	Format
type	"address"	Text
fields[n].name	Field description	Text
fields[n].group[n].key	Key is name of the field you should include in the JSON	Text
fields[n].group[n].type	Display type of field (e.g. text, select, etc)	Text
fields[n].group[n].refreshRequirementsOnChange	Tells you whether you should call POST address-requirements once the field value is set to discover required lower level fields.	Boolean
fields[n].group[n].required	Indicates if the field is mandatory or not	Boolean
fields[n].group[n].displayFormat	Display format pattern.	Text
fields[n].group[n].example	Example value.	Text
fields[n].group[n].minLength	Min valid length of field value.	Integer
fields[n].group[n].maxLength	Max valid length of field value.	Integer
fields[n].group[n].validationRegexp	Regexp validation pattern.	Text
fields[n].group[n].validationAsync	Validator URL and parameter name you should use when submitting the value for validation	Text
fields[n].group[n].valuesAllowed[n].key	List of allowed values. Value key	Text
fields[n].group[n].valuesAllowed[n].name	List of allowed values. Value name.	Text

Borderless Accounts

Get Account Balance

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "id": 64,
        "profileId": <your profile id>,
        "recipientId": 13828530,
        "creationTime": "2018-03-14T12:31:15.678Z",
        "modificationTime": "2018-03-19T15:19:42.111Z",
        "active": true,
        "eligible": true,
        "balances": [
            {
                "balanceType": "AVAILABLE",
                "currency": "GBP",
                "amount": {
                    "value": 10999859,
                    "currency": "GBP"
                },
                "reservedAmount": {
                    "value": 0,
                    "currency": "GBP"
                },
                "bankDetails": null
            },
            {
                "balanceType": "AVAILABLE",
                "currency": "EUR",
                "amount": {
                    "value": 9945236.2,
                    "currency": "EUR"
                },
                "reservedAmount": {
                    "value": 0,
                    "currency": "EUR"
                },
                "bankDetails": {
                    "id": 90,
                    "currency": "EUR",
                    "bankCode": "DEKTDE7GXXX",
                    "accountNumber": "DE51 7001 1110 6050 1008 91",
                    "swift": "DEKTDE7GXXX",
                    "iban": "DE51 7001 1110 6050 0008 91",
                    "bankName": "Handelsbank",
                    "accountHolderName": "Oliver Wilson",
                    "bankAddress": {
                        "addressFirstLine": "Elsenheimer Str. 41",
                        "postCode": "80687",
                        "city": "München",
                        "country": "Germany",
                        "stateCode": null
                    }
                }
            }
        ]
    }
]

Get available balances for all activated currencies in your borderless account.

Request

GET https://api.sandbox.transferwise.tech/v1/borderless-accounts?profileId={profileId}

Use profile id obtained earlier to make this call.

Response

Field	Description	Format
id	Borderless account id	Integer
profileId	Personal or business profile id	Integer
recipientId	Recipient id you can use for borderless topup transfer	Integer
creationTime	Date when balance account was opened	Timestamp
modificationTime	Date when balance account setup was modified.	Timestamp
active	Is borderless account active or inactive	Boolean
eligible	Ignore	Boolean
balances[n].balanceType	AVAILABLE	Text
balances[n].currency	Currency code	Text
balances[n].amount.value	Available balance in specified currency	Decimal
balances[n].amount.currency	Currency code	Text
balances[n].reservedAmount.value	Reserved amount from your balance	Decimal
balances[n].reservedAmount.currency	Reserved amount currency code	Text
balances[n].bankDetails	Bank account details assigned to your borderless account. Available for EUR, GBP, USD, AUD, NZD	Group
balances[n].bankDetails.id	Bank account details id	Integer
balances[n].bankDetails.currency	Bank account currency	Text
balances[n].bankDetails.bankCode	Bank account code	Text
balances[n].bankDetails.accountNumber	Bank account number	Text
balances[n].bankDetails.swift	Bank account swift code	Text
balances[n].bankDetails.iban	Bank account iban	Text
balances[n].bankDetails.bankName	Bank name
balances[n].bankDetails.accountHolderName	Bank account holder name	Text
balances[n].bankDetails.bankAddress.addressFirstLine	Bank address street and house	Text
balances[n].bankDetails.bankAddress.postCode	Bank address zip code	Text
balances[n].bankDetails.bankAddress.city	Bank address city	Text
balances[n].bankDetails.bankAddress.country	Bank address country	Text
balances[n].bankDetails.bankAddress.stateCode	Bank address state code	Text

Get Account Statement

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/borderless-accounts/{borderlessAccountId}/statement.json?
currency=EUR&intervalStart=2018-03-01T00:00:00.000Z&intervalEnd=2018-03-15T23:59:59.999Z \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "accountHolder": {
    "type": "PERSONAL",
    "address": {
      "addressFirstLine": "Veerenni 24",
      "city": "Tallinn",
      "postCode": "12112",
      "stateCode": "",
      "countryName": "Estonia"
    },
    "firstName": "Oliver",
    "lastName": "Wilson"
  },
  "issuer": {
    "name": "TransferWise Ltd.",
    "firstLine": "56 Shoreditch High Street",
    "city": "London",
    "postCode": "E1 6JJ",
    "stateCode": "",
    "country": "United Kingdom"
  },
  "bankDetails": null,
  "transactions": [
    {
      "type": "DEBIT",
      "date": "2018-04-30T08:47:05.832Z",
      "amount": {
        "value": -7.76,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0.04,
        "currency": "EUR"
      },
      "details": {
        "type": "CARD",
        "description": "Card transaction of 6.80 GBP issued by Tfl.gov.uk/cp TFL TRAVEL CH",
        "amount": {
          "value": 6.8,
          "currency": "GBP"
        },
        "category": "Transportation Suburban and Loca",
        "merchant": {
          "name": "Tfl.gov.uk/cp",
          "firstLine": null,
          "postCode": "SW1H 0TL  ",
          "city": "TFL TRAVEL CH",
          "state": "   ",
          "country": "GB",
          "category": "Transportation Suburban and Loca"
        }
      },
      "exchangeDetails": {
        "forAmount": {
          "value": 6.8,
          "currency": "GBP"
        },
        "rate": null
      },
      "runningBalance": {
        "value": 16.01,
        "currency": "EUR"
      },
      "referenceNumber": "CARD-249281"
    },
    {
      "type": "CREDIT",
      "date": "2018-04-17T07:47:00.227Z",
      "amount": {
        "value": 200,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0,
        "currency": "EUR"
      },
      "details": {
        "type": "DEPOSIT",
        "description": "Received money from HEIN LAURI with reference SVWZ+topup card",
        "senderName": "HEIN LAURI",
        "senderAccount": "EE76 1700 0170 0049 6704 ",
        "paymentReference": "SVWZ+topup card"
      },
      "exchangeDetails": null,
      "runningBalance": {
        "value": 207.69,
        "currency": "EUR"
      },
      "referenceNumber": "TRANSFER-34188888"
    },
    {
      "type": "CREDIT",
      "date": "2018-04-10T05:58:34.681Z",
      "amount": {
        "value": 9.94,
        "currency": "EUR"
      },
      "totalFees": {
        "value": 0,
        "currency": "EUR"
      },
      "details": {
        "type": "CONVERSION",
        "description": "Converted 8.69 GBP to 9.94 EUR",
        "sourceAmount": {
          "value": 8.69,
          "currency": "GBP"
        },
        "targetAmount": {
          "value": 9.94,
          "currency": "EUR"
        },
        "fee": {
          "value": 0.03,
          "currency": "GBP"
        },
        "rate": 1.147806
      },
      "exchangeDetails": null,
      "runningBalance": {
        "value": 9.94,
        "currency": "EUR"
      },
      "referenceNumber": "CONVERSION-1511237"
    }
  ],
  "endOfStatementBalance": {
    "value": 9.94,
    "currency": "EUR"
  },
  "query": {
    "intervalStart": "2018-03-01T00:00:00Z",
    "intervalEnd": "2018-04-30T23:59:59.999Z",
    "currency": "EUR",
    "accountId": 64
  }
}

Get borderless account statement for one currency and for specified time range. The period between intervalStart and intervalEnd cannot exceed 469 days (around 1 year 3 month).

Request

GET https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/borderless-accounts/{borderlessAccountId}/statement.json?

currency=EUR&intervalStart=2018-03-01T00:00:00.000Z&intervalEnd=2018-03-15T23:59:59.999Z

All query parameters are mandatory.

Field	Description	Format
borderlessAccountId	Your borderlessAccountId is included in Get Account Balance response as field "id".	Integer
currency	Currency code	Text
intervalStart	Statement start time in UTC time	Zulu time. Don't forget the 'Z' at the end.
intervalEnd	Statement start time in UTC time	Zulu time. Don't forget the 'Z' at the end.

Note that you can also download statements in PDF and CSV formats if you replace statement.json with statement.csv or statement.pdf respectively in the above URL.

Response

Field	Description	Format
accountHolder.type	Account holder type: PERSONAL or BUSINESS	Text
accountHolder.address.addressFirstLine	Account holder address street	Text
accountHolder.address.city	Account holder address city	Text
accountHolder.address.postCode	Account holder address zipc ode	Text
accountHolder.address.stateCode	Account holder address state	Text
accountHolder.address.countryName	Account holder address country	Text
accountHolder.firstName	Account holder first name	Text
accountHolder.lastName	Account holder last name	Text
issuer.name	Account issuer name	Text
issuer.firstLine	Account issuer address street	Text
issuer.city	Account issuer address city	Text
issuer.postCode	Account issuer address zip code	Text
issuer.stateCode	Account issuer address state	Text
issuer.country	Account issuer address country	Text
bankDetails	Your borderless account bank details	Group
transactions[n].type	DEBIT or CREDIT	Text
transactions[n].date	Time of transaction	Zulu time
transactions[n].amount.value	Transaction amount	Decimal
transactions[n].amount.currency	Transaction currency code	Text
transactions[n].totalFees.value	Transaction fee amount	Decimal
transactions[n].totalFees.currency	Transaction fee currency code	Text
transactions[n].details.type	CARD, CONVERSION, DEPOSIT, TRANSFER, MONEY_ADDED	Text
transactions[n].details.description	Human readable explanation about the transaction	Text
transactions[n].details.amount.value	Amount in original currency (card transactions abroad)	Decimal
transactions[n].details.amount.currency	Original currency code	Text
transactions[n].details.sourceAmount.value	Amount in source currency (conversions)	Decimal
transactions[n].details.sourceAmount.currency	Source currency code	Text
transactions[n].details.targetAmount.value	Amount in target currency (conversions)	Decimal
transactions[n].details.targetAmount.currency	Target currency code	Text
transactions[n].details.fee.value	Conversion fee amount	Decimal
transactions[n].details.fee.currency	Conversion fee currency code	Text
transactions[n].details.rate	Conversion exchange rate	Decimal
transactions[n].details.senderName	Deposit sender name	Text
transactions[n].details.senderAccount	Deposit sender bank account details	Text
transactions[n].details.paymentReference	Deposit payment reference text	Text
transactions[n].details.category	Card transaction category	Text
transactions[n].details.merchant.name	Card transaction merchant name	Text
transactions[n].details.merchant.firstLine	Merchant address street	Text
transactions[n].details.merchant.postCode	Merchant address zipcode	Text
transactions[n].details.merchant.city	Merchant address city	Text
transactions[n].details.merchant.state	Merchant address state	Text
transactions[n].details.merchant.country	Merchant address country	Text
transactions[n].details.merchant.category	Merchant category	Text
transactions[n].exchangeDetails.forAmount.value	Currency exchange amount	Decimal
transactions[n].exchangeDetails.forAmount.currency	Currency code	Text
transactions[n].exchangeDetails.rate	Exchange rate	Decimal
transactions[n].runningBalance.value	Running balance after the transaction	Decimal
transactions[n].runningBalance.currency	Running balance currency code	Text
transactions[n].referenceNumber	TransferWise assigned unique transaction reference number	Text
endOfStatementBalance.value	Closing balance for specified time period	Decimal
endOfStatementBalance.currency	Closing balance currency code	Text
query.intervalStart	Query parameter repeated	Zulu time
query.intervalEnd	Query parameter repeated	Zulu time
query.currency	Query parameter repeated	Text
query.accountId	Query parameter repeated	Integer

Convert Currencies

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/borderless-accounts/{borderlessAccountId}/conversions \
     -H "Authorization: Bearer <your api token>"  \
     -H "Content-Type: application/json" \
     -H "X-idempotence-uuid: <your generated uuid> \
     -d '{ 
            "quoteId": <conversion quote id>
         }'

Example Response:

{
  "id": <conversion transaction id>,
  "type": "CONVERSION",
  "state": "COMPLETED",
  "balancesAfter": [
    {
      "value": 10000594.71,
      "currency": "GBP"
    },
    {
      "value": 9998887.01,
      "currency": "EUR"
    }
  ],
  "creationTime": "2017-11-21T09:55:49.275Z",
  "steps": [
    {
      "id": 369588,
      "type": "CONVERSION",
      "creationTime": "2017-11-21T09:55:49.276Z",
      "balancesAfter": [
        {
          "value": 9998887.01,
          "currency": "EUR"
        },
        {
          "value": 10000594.71,
          "currency": "GBP"
        }
      ],
      "channelName": null,
      "channelReferenceId": null,
      "tracingReferenceCode": null,
      "sourceAmount": {
        "value": 113.48,
        "currency": "EUR"
      },
      "targetAmount": {
        "value": 100,
        "currency": "GBP"
      },
      "fee": {
        "value": 0.56,
        "currency": "EUR"
      },
      "rate": 0.88558
    }
  ],
  "sourceAmount": {
    "value": 113.48,
    "currency": "EUR"
  },
  "targetAmount": {
    "value": 100,
    "currency": "GBP"
  },
  "rate": 0.88558,
  "feeAmounts": [
    {
      "value": 0.56,
      "currency": "EUR"
    }
  ]
}

Convert funds between your borderless account currencies. Quote which is used in this call must have type "BALANCE_CONVERSION".

Note that this call needs an extra field in header called "X-idempotence-uuid".

Request

POST https://api.sandbox.transferwise.tech/v1/borderless-accounts/{borderlessAccountId}/conversions

Field	Description	Format
borderlessAccountId	Your borderlessAccountId is included in Get Account Balance response as field "id".	Integer
X-idempotence-uuid	Unique identifier assinged by you. Used for idempotency check purposes. Should your call fail for technical reasons then you can use the same value again for making retry call.	UUID

Get Available Currencies

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/borderless-accounts/balance-currencies \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "code": "EUR",
        "hasBankDetails": true,
        "payInAllowed": true,
        "sampleBankDetails": null
    },
    {
        "code": "GBP",
        "hasBankDetails": true,
        "payInAllowed": true,
        "sampleBankDetails": null
    },
    {
        "code": "USD",
        "hasBankDetails": false,
        "payInAllowed": true,
        "sampleBankDetails": null
    },
...
    {
        "code": "UAH",
        "hasBankDetails": false,
        "payInAllowed": false,
        "sampleBankDetails": null
    },
    {
        "code": "ARS",
        "hasBankDetails": false,
        "payInAllowed": false,
        "sampleBankDetails": null
    },
    {
        "code": "NPR",
        "hasBankDetails": false,
        "payInAllowed": false,
        "sampleBankDetails": null
    }
]

Get list of currencies that your can hold in your borderless account. Also shows which currencies have the option to get bank account details.

Request

GET https://api.sandbox.transferwise.tech/v1/borderless-accounts/balance-currencies

Response

Field	Description	Format
code	Currency code	Text
hasBankDetails	Does currency have bank details opening option	Boolean
payInAllowed	Can you send this currency to your borderless account	Boolean
sampleBankDetails

Get Currency Pairs

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/currency-pairs \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
    "sourceCurrencies": [
        {
            "currencyCode": "GBP",
            "maxInvoiceAmount": 1000000,
            "targetCurrencies": [
                {
                    "currencyCode": "EUR",
                    "minInvoiceAmount": 1,
                    "fixedTargetPaymentAllowed": true
                },
                {
                    "currencyCode": "INR",
                    "minInvoiceAmount": 1,
                    "fixedTargetPaymentAllowed": true
                },
                {
                    "currencyCode": "USD",
                    "minInvoiceAmount": 1,
                    "fixedTargetPaymentAllowed": true
                },
...
                {
                    "currencyCode": "VND",
                    "minInvoiceAmount": 1,
                    "fixedTargetPaymentAllowed": true
                },
                {
                    "currencyCode": "ZAR",
                    "minInvoiceAmount": 1,
                    "fixedTargetPaymentAllowed": true
                }
            ],
            "totalTargetCurrencies": 47
        }
    ],
    "total": 19
}

Get list of allowed currency pairs that your can setup your transfers.

Request

GET https://api.sandbox.transferwise.tech/v1/currency-pairs

Response

Field	Description	Format
sourceCurrencies.currencyCode	Source currency code	Text
sourceCurrencies.maxInvoiceAmount	Maximum allowed transfer amount in source currency	Decimal
targetCurrencies.currencyCode	Target currency code	Text
targetCurrencies.minInvoiceAmount	Minimum allowed transfer amount in source currency for this pair.	Decimal
targetCurrencies.fixedTargetPaymentAllowed	Can you setup fixed rate payments or not.	Boolean

Comparison

Request comparison quotes

Example Request:

curl -X GET https://api.transferwise.com/v3/comparisons/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=10000

Example Response:

{
  "sourceCurrency": "GBP",
  "targetCurrency": "EUR",
  "sourceCountry": null,
  "targetCountry": null,
  "providerCountry": null,
  "providerType": null,
  "sendAmount": 10000.0,
  "providers": [
    {
      "id": 39,
      "alias": "transferwise",
      "name": "TransferWise",
      "logo": "https://dq8dwmysp7hk1.cloudfront.net/logos/transferwise.svg",
      "type": "moneyTransferProvider",
      "partner": false,
      "quotes": [
        {
          "rate": 1.15989,
          "fee": 37.12,
          "receivedAmount": 11555.84,
          "dateCollected": "2019-10-22T14:36:43Z",
          "sourceCountry": null,
          "targetCountry": null,
          "markup": 0.0,
          "deliveryEstimation": {
            "duration": {
              "min": "PT20H8M16.305111S",
              "max": "PT20H8M16.305111S"
            },
            "providerGivesEstimate": true
          }
        }
      ]
    },
    {
      "id": 1,
      "alias": "barclays",
      "name": "Barclays",
      "logo": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays.svg",
      "type": "bank",
      "partner": false,
      "quotes": [
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "receivedAmount": 11279.24,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "ES",
          "markup": 2.75592858,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true
          }
        },
        ...
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "receivedAmount": 11279.24,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "FI",
          "markup": 2.75592858,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true
          },
          ...
        }
        ...
      ]
    }
  ]
}

The comparison API can be used to request price and speed information about various money transfer providers. This includes not only TransferWise but other providers in the market.

Price Estimation

The quotes (price / speed) provided by this API are based off of real quotes collected from 3rd party websites. We collect both the advertised exchange rate and fee for each provider for various amounts. When a comparison is requested we calculate the markup % on the collected exchange rate on the mid-market rate at the time of collection, we then apply this markup % on the current mid-market rate to provide a realistic estimate of what each provider offers. We collect data for all providers ~ once per hour to ensure we provide as accurate and up to date information as possible.

Note: Today, we only provide estimations for FX transactions with a Bank Transfer pay-in / pay-out option. This is important to stress as many providers offer significantly different fees / exchange rates when used debit / credit card, cash etc.

For more details on the data collection process please see the following page:

https://transferwise.com/gb/compare/disclaimer

If you have questions or suspect any data to be inaccurate or incomplete please contact us at:

comparison@transferwise.com

Delivery Estimation

Similar to price, we collect speed data for most (if not all) providers which we have price information for. Many providers display speed estimates to their customers in a number of different ways.

Some examples:

"The transfer should be complete within 2-5 days"
"The money should arrive in your account within 48 hours"
"Should arrive by 26th Aug"
"Could take up to 4 working days"

The below API intends to model these in a consistent format by providing a min / max range for all delivery estimations. An estimate that states "up to X" will have "max" set to a duration but "min" as null, a "from X" will have "min" set to a duration and "max" as null. Finally for those providers who offer a specific, point in time estimation (like TransferWise), the API will surface a duration where min/max are equal.

Quotes structure

In order to provide the most flexible and accurate data for clients, we surface a denormalised list of quotes per provider where each quote represents a unique collection of comparison "dimensions".

A single given provider may expose multiple quotes for the same currency route. The most common example is where a provider offers different pricing for one country vs another country which uses the same currency. e.g:

Provider X:

GBP EUR 1000 [GB -> ES] fee: 10, rate: 1.5
GBP EUR 1000 [GB -> DE] fee: 8, rate: 1.5
GBP EUR 1000 [GB -> FR] fee: 10, rate: 1.35

The same principle applies for speed. I.e a provider may have different speed estimates for different target countries and hence we expose these as discrete quotes - where a quote is a unique combination of route / country / speed / price factors.

A client may choose to reduce this set of quotes down to a single or several quotes in order to display a relevant quote to a given user. An example where we take the cheapest quote for a given currency route (and also surface the target country) can be seen at the below link:

https://transferwise.com/gb/compare/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=1000

Request

GET https://api.transferwise.com/v3/comparisons/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=10000

Field (Query Param)	Description	Format
sourceCurrency	ISO 4217 source currency code	Text
targetCurrency	ISO 4217 target currency code	Text
sendAmount	Amount in source currency	Decimal
sourceCountry	(Optional) Filter by source country (ISO 3166-1 Alpha-2 code)	Text
targetCountry	(Optional) Filter by target country (ISO 3166-1 Alpha-2 code)	Text
providerType	(Optional) Filter by provider type	One of "bank","moneyTransferProvider"

Response

Field	Description	Format
id	Provider id	Integer
alias	Provider alias (lowercase slug name)	Text
name	Provider name (presentational / formal name)	Text
logo	URL pointing to provider logo (default svg format)	Text
type	Provider type	Text
partner	Whether a partner of TransferWise or not	Boolean
quotes	An array of estimated quotes per provider	Array
quotes.rate	The live estimated exchange for the provider for this quote	Timestamp
quotes.fee	The estimated fee for the provider for this quote	Integer
quotes.receivedAmount	The total estimated receive amount for the provider for this quote	Integer
quotes.dateCollected	The date of collection for the original quote	Text
quotes.sourceCountry	Source country (ISO 3166-1 Alpha-2 code)	Timestamp
quotes.targetCountry	Target country (ISO 3166-1 Alpha-2 code)	Decimal
quotes.deliveryEstimation	Delivery estimation details - i.e a speed estimate	Object
quotes.deliveryEstimation.duration	Duration range	Object
quotes.deliveryEstimation.duration.min	Minimum quoted time for transaction delivery	ISO 8601 duration format
quotes.deliveryEstimation.duration.max	Maximum quoted time for transaction delivery	ISO 8601 duration format
quotes.deliveryEstimation.providerGivesEstimate	Whether a provider publicly surfaces / exposes a speed estimate	Boolean

Exchange Rates

List

Example Request (Bearer token):

curl -X GET "https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD" \
     -H "Authorization: Bearer <your api token>"

Example Request (Basic authentication):

curl -X GET "https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD" \
     --user <your api client_id>:<your api client_secret>

Example Response:

[
    {
        "rate": 1.166,
        "source": "EUR",
        "target": "USD",
        "time": "2018-08-31T10:43:31+0000"
    }
]

GET https://api.sandbox.transferwise.tech/v1/rates

Fetch latest exchange rates of all currencies.

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD

Fetch latest exchange rate of one currency pair.

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&time=2019-02-13T14:53:01

Fetch exchange rate of specific historical timestamp.

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&from=2019-02-13T14:53:01&to=2019-03-13T14:53:01&group=day

Fetch exchange rate history over period of time with daily interval.

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&from=2019-02-13T14:53:01&to=2019-03-13T14:53:01&group=hour

Fetch exchange rate history over period of time with hourly interval.

GET https://api.sandbox.transferwise.tech/v1/rates?source=EUR&target=USD&from=2019-02-13T14:53:01&to=2019-03-13T14:53:01&group=minute

Fetch exchange rate history over period of time with 10 minute interval.

Request

Note that this endpoint supports two types of authentication: Bearer token and Basic authentication (client_id/client_secret).

Field	Description	Format
source	Source(send) currency code.	Text
target	Target(receive) currency code.	Text
time	Timestamp to get historic exchange rate.	Timestamp
from	Period start date/time to get exchange rate history.	Timestamp or Date
to	Period end date/time to get exchange rate history.	Timestamp or Date
group	Interval: day hour minute	Text

Response

List of exchange rate values which meet your query criteria.

Field	Description	Format
rate	Exchange rate value.	Decimal
source	Source(send) currency code	Text
target	Target(receive) currency code	Text
time	Timestamp for exchange rate.	Timestamp

Additional notes about date/time formatting used above

The request/response field(s) below support both Timestamp (combined date and time) and Date (date only) formats:

Field	Sample
from	2019-03-13T14:53:01 or 2019-03-13
to	2019-03-13T14:53:01+0100 or 2019-03-13+0100

The request/response field(s) below support only Timestamp (combined date and time):

Field	Sample
time	2019-03-13T14:53:01 or 2019-03-13T14:53:01+0100

Timezone offset is supported but optional.

Quotes

Create

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/quotes \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "source": "EUR",
          "target": "GBP",
          "rateType": "FIXED",
          "targetAmount": 600,
          "type": "BALANCE_PAYOUT"
        }'

Example Response:

{
    "id": <quoteId>,
    "source": "EUR",
    "target": "GBP",
    "sourceAmount": 663.84,
    "targetAmount": 600.00,
    "type": "BALANCE_PAYOUT",
    "rate": 0.9073,
    "createdTime": "2018-08-27T14:35:44.553Z",
    "createdByUserId": <your user id>,
    "profile": <your profile id>,
    "rateType": "FIXED",
    "deliveryEstimate": "2018-08-27T14:35:44.496Z",
    "fee": 2.34,
    "allowedProfileTypes": [
        "PERSONAL",
        "BUSINESS"
    ],
    "guaranteedTargetAmount": false,
    "ofSourceAmount": true
}

Quote can be used to create a transfer within 30 minutes. You need quoteId as an input to create a transfer. Quote locks current mid-market exchange rate that will be used for your transfer. Quote also calculates transfer fee and estimates delivery time.

Request

POST https://api.sandbox.transferwise.tech/v1/quotes

Field	Description	Format
profile	Personal or business profile id.	Text
source	Source(send) currency code.	Text
target	Target(receive) currency code.	Text
rateType	Always use constant 'FIXED'.	Text
targetAmount	Amount in target currency.	Decimal
sourceAmount	Amount in source currency. Either sourceAmount or targetAmount is required, never both.	Decimal
type	'BALANCE_PAYOUT' for payments funded from borderless account. 'BALANCE_CONVERSION' for conversion between balances. 'REGULAR' for payments funded via bank transfers.	Text

Response

Field	Description	Format
id	quoteId.	Integer
source	Source(send) currency code.	Text
target	Target(receive) currency code.	Text
sourceAmount	Amount in source currency.	Decimal
targetAmount	Amount in target currency.	Decimal
type	Quote type.	Text
rate	Exchange rate value.	Decimal
createdTime	Quote created timestamp.	Timestamp
createdByUserId	Your used id.	Integer
profile	Personal or business profile id.	Integer
rateType	Always 'FIXED'.	Text
deliveryEstimate	Estimated timestamp when recipient would receive funds, assuming transfer will be created now.	Timestamp
fee	TransferWise fee in source currency for this payment (deducted from source amount).	Decimal
allowedProfileTypes	PERSONAL, BUSINESS or both. Specifies which legal entities can use this quote. There are few currency routes are where we dont support business customers yet.	Text
guaranteedTargetAmount	Not relevant for fixed rate quotes. Please ignore.	Boolean
ofSourceAmount	Not relevant for fixed rate quotes. Please ignore.	Boolean

Get By Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
    "id": <quoteId>,
    "source": "EUR",
    "target": "GBP",
    "sourceAmount": 663.84,
    "targetAmount": 600.00,
    "type": "BALANCE_PAYOUT",
    "rate": 0.9073,
    "createdTime": "2018-08-27T14:35:44.553Z",
    "createdByUserId": <your user id>,
    "profile": <your profile id>,
    "rateType": "FIXED",
    "deliveryEstimate": "2018-08-27T14:35:44.496Z",
    "fee": 2.34,
    "allowedProfileTypes": [
        "PERSONAL",
        "BUSINESS"
    ],
    "guaranteedTargetAmount": false,
    "ofSourceAmount": true
}

Get quote info by id.

Request

GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}

Get Pay-in Methods

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}/pay-in-methods \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "type": "transfer",
    "details": {
      "payInReference": "quote-113300 P304205"
    }
  }
]

Get text that you should use in the "payment reference" field when sending funds via local bank transfer to TransferWise to fund your payment request. Reference text includes "P-REF" number of user which we need in order to automatically link funds.

Request

GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}/pay-in-methods

Response

Field	Description	Format
type	Currently always 'transfer' meaning only pay-in option is via bank transfer.	Text
details.payInReference	Reference text to be used when sending your bank transfer to TransferWise.	Text

Get Temporary Quote

Example Request (Bearer token):

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes?source=EUR&target=GBP&rateType=FIXED&targetAmount=600 \
     -H "Authorization: Bearer <your api token>"

Example Request (Basic authentication):

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes?source=EUR&target=GBP&rateType=FIXED&targetAmount=600 \
     --user <your api client_id>:<your api client_secret>

Example Response:

{
    "source": "EUR",
    "target": "GBP",
    "sourceAmount": 663.84,
    "targetAmount": 600.00,
    "type": "REGULAR",
    "rate": 0.9073,
    "createdTime": "2018-08-27T14:35:44.553Z",
    "createdByUserId": 0,
    "rateType": "FIXED",
    "deliveryEstimate": "2018-08-27T14:35:44.496Z",
    "fee": 2.34,
    "allowedProfileTypes": [
        "PERSONAL",
        "BUSINESS"
    ],
    "guaranteedTargetAmount": false,
    "ofSourceAmount": true
}

GET https://api.sandbox.transferwise.tech/v1/quotes?source=SEK&target=USD&sourceAmount=1000&rateType=FIXED

Get temporary quote for sending 1000 SEK to USD

GET https://api.sandbox.transferwise.tech/v1/quotes?source=SEK&target=USD&targetAmount=1000&rateType=FIXED

Get temporary quote for sending SEK to 1000 USD

Request

Note that this endpoint supports two types of authentication: Bearer token and Basic authentication (client_id/client_secret).

GET https://api.sandbox.transferwise.tech/v1/quotes

Field	Description	Format
source	Source(send) currency code.	Text
target	Target(receive) currency code.	Text
rateType	Always use constant 'FIXED'.	Text
targetAmount	Amount in target currency.	Decimal
sourceAmount	Amount in source currency. Either sourceAmount or targetAmount is required, never both.	Decimal

Response

Same as Create, but without "id" field since temporary quote is not stored and cannot be used for creating transfer. Temporary quote is not associated with any user, it is anonymous.

Recipient Accounts

Create

Example Request (Create GBP recipient):

curl -X POST https://api.sandbox.transferwise.tech/v1/accounts \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "currency": "GBP", 
          "type": "sort_code", 
          "profile": <your profile id>,
          "ownedByCustomer": true, 
          "accountHolderName": "Ann Johnson",
           "details": { 
              "legalType": "PRIVATE",
              "sortCode": "231470", 
              "accountNumber": "28821822" 
           } 
         }'

Example Response (Create GBP recipient):

{
    "id": 13967081,
    "business": null,
    "profile": <your profile id>,
    "accountHolderName": "Ann Johnson",
    "currency": "GBP",
    "country": "GB",
    "type": "sort_code",
    "details": {
        "address": {
            "country": null,
            "countryCode": null,
            "firstLine": null,
            "postCode": null,
            "city": null,
            "state": null
        },
        "email": null,
        "legalType": "PRIVATE",
        "accountNumber": "28821822",
        "sortCode": "231470",
        "abartn": null,
        "accountType": null,
        "bankgiroNumber": null,
        "ifscCode": null,
        "bsbCode": null,
        "institutionNumber": null,
        "transitNumber": null,
        "phoneNumber": null,
        "bankCode": null,
        "russiaRegion": null,
        "routingNumber": null,
        "branchCode": null,
        "cpf": null,
        "cardNumber": null,
        "idType": null,
        "idNumber": null,
        "idCountryIso3": null,
        "idValidFrom": null,
        "idValidTo": null,
        "clabe": null,
        "swiftCode": null,
        "dateOfBirth": null,
        "clearingNumber": null,
        "bankName": null,
        "branchName": null,
        "businessNumber": null,
        "province": null,
        "city": null,
        "rut": null,
        "token": null,
        "cnpj": null,
        "payinReference": null,
        "pspReference": null,
        "orderId": null,
        "idDocumentType": null,
        "idDocumentNumber": null,
        "targetProfile": null,
        "taxId": null,
        "iban": null,
        "bic": null,
        "IBAN": null,
        "BIC": null,
        "interacAccount": null
    },
    "user": <your user ID>,
    "active": true,
    "ownedByCustomer": true
}

Recipient is a person or institution who is the ultimate beneficiary of your payment.

Recipient data includes three data blocks.

1) General Data

Recipient full name
Legal type (private/business)
Currency
Owned by customer

Owned by customer is a boolen to flag whether this recipient is the same entity (person or business) as the one sending the funds. i.e. A user sending money to thier own account in another country/currency. This can be used to separate these recipients in your UI.

2) Bank account data

There are many different variations of bank account details needed depending on recipient target currency. For example:

GBP — sort code and account number
BGN CHF, DKK, EUR, GEL, GBP, NOK, PKR, PLN, RON, SEK — IBAN
USD — routing number, account number, account type
INR — IFSC code, account number
...

3) Address data Recipient address data is required only if target currency is USD, PHP, THB or TRY, or if the source currency is USD or AUD.

Country
State (US, Canada, Brazil)
City
Address line
Zip code

When creating recipient, the following general rules should be applied to "accountHolderName" field:

Full names for personal recipients. They must include more than one name, and both first and last name must have more than one character.
Business names must be in full, but can be just a single name. The full name cannot be just a single character but can be made up of a set of single characters. e.g. "A" is not permitted but "A 1" or "A1" is permitted.
Digits are not allowed, except in business names.
Special characters _()'*,. are allowed for personal and business names

These requirements may vary depending of recipient type. A GBP example is provided here. You can find other currency examples below.
As you can see many of the fields are null, in order to know which fields are required for which currency we expose the Recipients.Requirements endpoint.

Request

POST https://api.sandbox.transferwise.tech/v1/accounts

Field	Description	Format	Optional
currency	3 character currency code	Text	false
type	Recipient type	Text	false
profile	Personal or business profile id	Integer	false
accountHolderName	Recipient full name	Text	false
ownedByCustomer	Whether this account is owned by the sending user	Text	true
details	Currency specific fields	Object	false
details.legalType	Recipient legal type: PRIVATE or BUSINESS	Text	false
details.sortCode	Recipient bank sort code (GBP example)	Text	false
details.accountNumber	Recipient bank account no (GBP example)	Text	false

Response

Recipient account id is needed for creating transfers in step 3.

Field	Description	Format
id	accountId	Integer
profile	Personal or business profile id	Integer
acccountHolderName	Recipient full name	Text
currency	3 character country code	Text
country	2 character currency code	Text
type	Recipient type	Text
ownedByCustomer	Whether this account is owned by the sending user	Text
details	Currency specific fields	Object
details.legalType	Recipient legal type	Text
details.sortCode	Recipient bank sort code (GBP example)	Text
details.accountNumber	Recipient bank account no (GBP example)	Text

Create Email Recipient

Example Request (Create email recipient):

curl -X POST https://api.sandbox.transferwise.tech/v1/accounts \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>, 
          "accountHolderName": "Ann Johnson",
          "currency": "EUR", 
          "type": "email", 
           "details": { 
              "email": "ann.johnson@gmail.com"
           } 
         }'

Example Response (Lookup email recipient):

{
    "id": 13967196,
    "business": null,
    "profile": <your profile id>,
    "accountHolderName": "Ann Johnson",
    "currency": "EUR",
    "country": null,
    "type": "email",
    "details": {
        "address": {
            "country": null,
            "countryCode": null,
            "firstLine": null,
            "postCode": null,
            "city": null,
            "state": null
        },
        "email": "ann.johnson@gmail.com",
        "legalType": "PRIVATE",
        "accountNumber": null,
        "sortCode": null,
        "abartn": null,
        "accountType": null,
        "bankgiroNumber": null,
        "ifscCode": null,
        "bsbCode": null,
        "institutionNumber": null,
        "transitNumber": null,
        "phoneNumber": null,
        "bankCode": null,
        "russiaRegion": null,
        "routingNumber": null,
        "branchCode": null,
        "cpf": null,
        "cardNumber": null,
        "idType": null,
        "idNumber": null,
        "idCountryIso3": null,
        "idValidFrom": null,
        "idValidTo": null,
        "clabe": null,
        "swiftCode": null,
        "dateOfBirth": null,
        "clearingNumber": null,
        "bankName": null,
        "branchName": null,
        "businessNumber": null,
        "province": null,
        "city": null,
        "rut": null,
        "token": null,
        "cnpj": null,
        "payinReference": null,
        "pspReference": null,
        "orderId": null,
        "idDocumentType": null,
        "idDocumentNumber": null,
        "targetProfile": null,
        "taxId": null,
        "iban": null,
        "bic": null,
        "IBAN": null,
        "BIC": null,
        "interacAccount": null
    },
    "user": <your user id>,
    "active": true,
    "ownedByCustomer": false
}

If you don't know recipient bank account details you can set up email recipient so that TransferWise will collect bank details directly from the recipient.

TransferWise will email your recipient with a link to collect their bank account details. Once your recipient provides bank account details securely to TransferWise we are able to complete your transfer.

https://transferwise.com/help/article/1740912/creating-a-transfer/transfers-to-an-email-address-transferwise-users

Get By Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/accounts/{accountId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
    "id": 13967081,
    "profile": <your profile id>, 
    "accountHolderName": "Ann Johnson",
    "type": "sort_code", 
    "country": "GB", 
    "currency": "GBP",
    "details": {
        "address": {
            "country": null,
            "countryCode": null,
            "firstLine": null,
            "postCode": null,
            "city": null,
            "state": null
        },
        "email": null,
        "legalType": "PRIVATE",
        "accountNumber": "28821822",
        "sortCode": "231470",
        "abartn": null,
        "accountType": null,
        "bankgiroNumber": null,
        "ifscCode": null,
        "bsbCode": null,
        "institutionNumber": null,
        "transitNumber": null,
        "phoneNumber": null,
        "bankCode": null,
        "russiaRegion": null,
        "routingNumber": null,
        "branchCode": null,
        "cpf": null,
        "cardNumber": null,
        "idType": null,
        "idNumber": null,
        "idCountryIso3": null,
        "idValidFrom": null,
        "idValidTo": null,
        "clabe": null,
        "swiftCode": null,
        "dateOfBirth": null,
        "clearingNumber": null,
        "bankName": null,
        "branchName": null,
        "businessNumber": null,
        "province": null,
        "city": null,
        "rut": null,
        "token": null,
        "cnpj": null,
        "payinReference": null,
        "pspReference": null,
        "orderId": null,
        "idDocumentType": null,
        "idDocumentNumber": null,
        "targetProfile": null,
        "taxId": null,
        "iban": null,
        "bic": null,
        "IBAN": null,
        "BIC": null,
        "interacAccount": null
    },
    "user": <your user ID>,
    "active": true,
    "ownedByCustomer": false
}

Get recipient account info by id.

Request

GET https://api.sandbox.transferwise.tech/v1/accounts/{accountId}

List

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/accounts?profile=<profileId>&currency=GBP \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
      "id": 13967081,
      "profile": <your profile id>, 
      "accountHolderName": "Ann Johnson",
      "type": "sort_code", 
      "country": "GB", 
      "currency": "GBP",
      "details": {
          "address": {
              "country": null,
              "countryCode": null,
              "firstLine": null,
              "postCode": null,
              "city": null,
              "state": null
          },
          "email": null,
          "legalType": "PRIVATE",
          "accountNumber": "28821822",
          "sortCode": "231470",
          "abartn": null,
          "accountType": null,
          "bankgiroNumber": null,
          "ifscCode": null,
          "bsbCode": null,
          "institutionNumber": null,
          "transitNumber": null,
          "phoneNumber": null,
          "bankCode": null,
          "russiaRegion": null,
          "routingNumber": null,
          "branchCode": null,
          "cpf": null,
          "cardNumber": null,
          "idType": null,
          "idNumber": null,
          "idCountryIso3": null,
          "idValidFrom": null,
          "idValidTo": null,
          "clabe": null,
          "swiftCode": null,
          "dateOfBirth": null,
          "clearingNumber": null,
          "bankName": null,
          "branchName": null,
          "businessNumber": null,
          "province": null,
          "city": null,
          "rut": null,
          "token": null,
          "cnpj": null,
          "payinReference": null,
          "pspReference": null,
          "orderId": null,
          "idDocumentType": null,
          "idDocumentNumber": null,
          "targetProfile": null,
          "taxId": null,
          "iban": null,
          "bic": null,
          "IBAN": null,
          "BIC": null,
          "interacAccount": null
      },
      "user": <your user ID>,
      "active": true,
      "ownedByCustomer": false
  },
  {
      "id": 31273090,
      "profile": <your profile id>, 
      "accountHolderName": "George Johnson",
      "type": "sort_code", 
      "country": "GB", 
      "currency": "GBP",
      "details": {
          "address": {
              "country": null,
              "countryCode": null,
              "firstLine": null,
              "postCode": null,
              "city": null,
              "state": null
          },
          "email": null,
          "legalType": "PRIVATE",
          "accountNumber": "29912211",
          "sortCode": "231470",
          "abartn": null,
          "accountType": null,
          "bankgiroNumber": null,
          "ifscCode": null,
          "bsbCode": null,
          "institutionNumber": null,
          "transitNumber": null,
          "phoneNumber": null,
          "bankCode": null,
          "russiaRegion": null,
          "routingNumber": null,
          "branchCode": null,
          "cpf": null,
          "cardNumber": null,
          "idType": null,
          "idNumber": null,
          "idCountryIso3": null,
          "idValidFrom": null,
          "idValidTo": null,
          "clabe": null,
          "swiftCode": null,
          "dateOfBirth": null,
          "clearingNumber": null,
          "bankName": null,
          "branchName": null,
          "businessNumber": null,
          "province": null,
          "city": null,
          "rut": null,
          "token": null,
          "cnpj": null,
          "payinReference": null,
          "pspReference": null,
          "orderId": null,
          "idDocumentType": null,
          "idDocumentNumber": null,
          "targetProfile": null,
          "taxId": null,
          "iban": null,
          "bic": null,
          "IBAN": null,
          "BIC": null,
          "interacAccount": null
      },
      "user": <your user ID>,
      "active": true,
      "ownedByCustomer": true
  }
]

Fetch a list of your recipient accounts. Use the currency and profile parameters to filter by currency and/or user profile Id. This list does not currently support pagination, therefore if you have many recipient accounts defined in your business profile then please filter by currency to ensure a reasonable response time.

Request

GET https://api.sandbox.transferwise.tech/v1/accounts?profile=<profileId>&currency=<currencyCode>

Both query parameters are optional.

Field	Description	Format
profileId	Personal or business profile id	Integer
currency	Currency code	Text

Delete

Example Request:

curl -X DELETE https://api.sandbox.transferwise.tech/v1/accounts/{accountId} \
     -H "Authorization: Bearer <your api token>"

Deletes a recipient by changing its status to inactive. Only active recipients can be deleted and a recipient cannot be reactivated, however you can create a new recipient with the same details instead.

Response is empty if delete succeeds.

Requesting to delete recipient that is already inactive will return an http status 403 (forbidden).

Request

DELETE https://api.sandbox.transferwise.tech/v1/accounts/{accountId}

Requirements

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}/account-requirements \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "type": "aba",
        "title": "Local bank account",
        "fields": [
            {
                "name": "Recipient type",
                "group": [
                    {
                        "key": "legalType",
                        "name": "Recipient type",
                        "type": "select",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": [
                            {
                                "key": "PRIVATE",
                                "name": "Person"
                            },
                            {
                                "key": "BUSINESS",
                                "name": "Business"
                            }
                        ]
                    }
                ]
            },
            {
                "name": "ACH routing number",
                "group": [
                    {
                        "key": "abartn",
                        "name": "ACH routing number",
                        "type": "text",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "026009593",
                        "minLength": 9,
                        "maxLength": 9,
                        "validationRegexp": "^\\d{9}$",
                        "validationAsync": null,
                        "valuesAllowed": null
                    }
                ]
            },
            {
                "name": "Account number",
                "group": [
                    {
                        "key": "accountNumber",
                        "name": "Account number",
                        "type": "text",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "12345678",
                        "minLength": 4,
                        "maxLength": 17,
                        "validationRegexp": "^\\d{4,17}$",
                        "validationAsync": null,
                        "valuesAllowed": null
                    }
                ]
            },
            {
                "name": "Account type",
                "group": [
                    {
                        "key": "accountType",
                        "name": "Account type",
                        "type": "radio",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "CHECKING",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": [
                            {
                                "key": "CHECKING",
                                "name": "Checking"
                            },
                            {
                                "key": "SAVINGS",
                                "name": "Savings"
                            }
                        ]
                    }
                ]
            },
            {
                "name": "Country",
                "group": [
                    {
                        "key": "address.country",
                        "name": "Country",
                        "type": "select",
                        "refreshRequirementsOnChange": true,
                        "required": true,
                        "displayFormat": null,
                        "example": "",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": [
                            {
                                "key": "AF",
                                "name": "Afghanistan"
                            },
                            {
                                "key": "AL",
                                "name": "Albania"
                            },
                            {
                            ...
                            }

                        ]
                    }
                ]
            },
            {
                "name": "City",
                "group": [
                    {
                        "key": "address.city",
                        "name": "City",
                        "type": "text",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": null
                    }
                ]
            },
            {
                "name": "Address",
                "group": [
                    {
                        "key": "address.firstLine",
                        "name": "Address",
                        "type": "text",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": null
                    }
                ]
            },
            {
                "name": "Post Code",
                "group": [
                    {
                        "key": "address.postCode",
                        "name": "Post Code",
                        "type": "text",
                        "refreshRequirementsOnChange": false,
                        "required": true,
                        "displayFormat": null,
                        "example": "",
                        "minLength": null,
                        "maxLength": null,
                        "validationRegexp": null,
                        "validationAsync": null,
                        "valuesAllowed": null
                    }
                ]
            }
        ]
    },

Request

GET https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}/account-requirements
POST https://api.sandbox.transferwise.tech/v1/quotes/{quoteId}/account-requirements
GET https://api.sandbox.transferwise.tech/v1/account-requirements?source=EUR&target=USD&sourceAmount=1000

The GET and POST account-requirements endpoints help you to figure out which fields are required to create a valid recipient for different currencies. You can use this data to build a dynamic user interface on top of these endpoints. The third sample shows how to get account-requirements for a specific currency route without creating a quote but with amount, source and target currencies passed as URL parameters. This is a step-by-step guide on how these endpoints work.

Using account requirements

1.First create a quote to specify currencies and transfer amounts. See Create.Quote.

2.Call GET /v1/quotes/{quoteId}/account-requirements to get the list of fields you need to fill with values in the "details" section for creating a valid recipient account.

In order to create an "aba" recipient type you need these top level fields:

legalType (PRIVATE / BUSINESS)
abartn (ABA routing number)
accountType (CHECKING / SAVINGS)
address.country
address.city
address.postalCode
address.firstLine

Some fields require multiple levels of fields in the details request, for example Country followed by State. This should be handled by the client based on the refreshRequirementsOnChange field. In the example above 'address.country' has this field set to true, indicating that there are additional fields required depending on the selected value. To manage this you should create a request with all of the initially requested data and call the POST account-requirements endpoint. You will be returned a response similar the previosuly returned data from GET account-requirements but with additional fields.

3.For example, construct a recipient object with all top level fields and call POST /v1/quotes/{quoteId}/account-requirements with these value to expose sub fields.
For example posting US as country will also add "state" to list of fields.

{
    "type": "aba",
    "details": {
      "legalType": "PRIVATE",
      "abartn": "111000025",
      "accountNumber": "12345678",
      "accountType": "CHECKING",
      "address": {
        "country": "US"
      }
    }
}

However, posting GB as country will not add any new fields as GB addresses do not have this extra requirement.

{
    "type": "aba",
    "details": {
      "legalType": "PRIVATE",
      "abartn": "111000025",
      "accountNumber": "12345678",
      "accountType": "CHECKING",
      "address": {
        "country": "GB"
      }
    }
}

It is possible that any new fields retuened may also have refreshRequirementsOnChange field set to true. Therefore you must keep iterating on the partially created details object until POST account-requirements returns you no new fields that it previously didn't include in the response, you can do this by checking the size of the array returned.

4.Once you have built your full reciepient details object you can use it to create a reciepient.

For example this is a valid request to create a recipient with address in US Arizona:
POST /v1/accounts:

{
    "profile": your-profile-id,
    "accountHolderName": "John Smith",
    "currency": "USD",
    "type": "aba",
    "details": {
        "legalType": "PRIVATE",
        "abartn": "111000025",
        "accountNumber": "12345678",
        "accountType": "CHECKING",
        "address": {
            "country": "US",
            "state": "AZ"
        "city": "New York",
            "postCode": "10025",
            "firstLine": "45 Sunflower Ave"
        }
    }
}

We do not require the recipient's address for most receiving currencies and as such do not return these form elements by default. In some cases it may be desirable for you to collect this from users and store it as part of the recipient object in the TransferWise platform. If you wish to do this you can include the parameter &addressRequired=true in your call to GET /v1/quotes/{quoteId}/account-requirements, if this is present we will return address fields as part of the form.

Building a user interface

Account requirements help us understand how to create a valid account given a certain context. As a tool to help explore this API, please visit Dynamic Forms UI. This app allows specifying different requests and calls our sandbox environment for account requirements. It then displays the response in JSON along with an example of the rendered form from the said response.

When requesting the form data from the account-requirements several the first level of the response defines different types of recipient you can create, the first thing to do is present the user a choice of which recipient type they wish to create, e.g. to GBP this could be local details or IBAN format. Each recipient type then has mutiple fields describing the form elements required to be shown to collect information from the user. Each field will have a type value, these tell you the field type that your front end needs to render to be able to collect the data. A number of field types are permitted, these are:

type	UI element
text	A free text box
select	A selection box/dialog
radio	A radio button choice between options
date	A text box with a date picker

Example data is also included in each field which should be shown to the user, along with a regex or min and max length constraints that should be applied as field level validations. You can optionally implement the dynamic validation using the validationAsync field, however these checks wil also be done when a completed recipient is submitted to POST /v1/accounts.

Response

Field	Description	Format
type	"address"	Text
fields[n].name	Field description	Text
fields[n].group[n].key	Key is name of the field you should include in the JSON	Text
fields[n].group[n].type	Display type of field (e.g. text, select, etc)	Text
fields[n].group[n].refreshRequirementsOnChange	Tells you whether you should call POST account-requirements once the field value is set to discover required lower level fields.	Boolean
fields[n].group[n].required	Indicates if the field is mandatory or not	Boolean
fields[n].group[n].displayFormat	Display format pattern.	Text
fields[n].group[n].example	Example value.	Text
fields[n].group[n].minLength	Min valid length of field value.	Integer
fields[n].group[n].maxLength	Max valid length of field value.	Integer
fields[n].group[n].validationRegexp	Regexp validation pattern.	Text
fields[n].group[n].validationAsync	Validator URL and parameter name you should use when submitting the value for validation	Text
fields[n].group[n].valuesAllowed[n].key	List of allowed values. Value key	Text
fields[n].group[n].valuesAllowed[n].name	List of allowed values. Value name.	Text

Validate Recipient Fields

Example Request (Validate sort code (GBP):

curl -X GET https://api.sandbox.transferwise.tech/v1/validators/sort-code?sortCode=231470

Example Response (Validate sort code (GBP):

{
    "validation": "success"
}

or  

{
    "errors": [
        {
            "code": "VALIDATION_NOT_SUCCESSFUL",
            "message": "sortCode has not passed validation.",
            "path": "sortCode",
            "arguments": [
                "2314701"
            ]
        }
    ]
}

There are several validation URLs that make creating correct recipient accounts easier. These URLs are also included in fields provided by Recipient Accounts.Requirements endpoint.

GBP

Validate UK bank sort code

https://api.transferwise.com/v1/validators/sort-code?sortCode=231470

Validate UK bank account number

https://api.transferwise.com/v1/validators/sort-code-account-number?accountNumber=10000246

BGN CHF, DKK, EUR, GEL, GBP, NOK, PKR, PLN, RON, SEK

Validate IBAN

https://api.transferwise.com/v1/validators/iban?iban=EE867700771000187087

Validate BIC and IBAN

https://api.transferwise.com/v1/validators/bic?bic=LHVBEE22&iban=EE867700771000187087

USD

Validate ABA routing number

https://api.transferwise.com/v1/validators/abartn?abartn=011103093

Validate ABA bank account number

https://api.transferwise.com/v1/validators/aba-account-number?accountNumber=111000025

INR

Validate IFSC code

https://api.transferwise.com/v1/validators/ifsc-code?ifscCode=YESB0236041

Validate Indian bank account number

https://api.transferwise.com/v1/validators/indian-account-number?accountNumber=678911234567891

AUD

Validate BSB code

https://api.transferwise.com/v1/validators/bsb-code?bsbCode=112879

Validate Australian bank account number

https://api.transferwise.com/v1/validators/australian-account-number?accountNumber=123456789

CAD

Validate Canadian institution number

https://api.transferwise.com/v1/validators/canadian-institution-number?institutionNumber=006

Validate Canadian bank transit number

https://api.transferwise.com/v1/validators/canadian-transit-number?institutionNumber=006&transitNumber=04841

Validate Canadian bank account number

https://api.transferwise.com/v1/validators/canadian-account-number?institutionNumber=006&transitNumber=04841&accountNumber=3456712

SEK Validate Bank Giro number

https://api.transferwise.com/v1/validators/bankgiro-number?bankgiroNumber=12345674

HUF

Validate Hungarian bank account number

https://api.transferwise.com/v1/validators/hungarian-account-number?accountNumber=12000000-12345678-00000000

PLN

Validate Polish bank account number

https://api.transferwise.com/v1/validators/polish-account-number?accountNumber=12345678901234567890123456

UAH

Validate Ukrainian bank account number

https://api.transferwise.com/v1/validators/privatbank-account-number?accountNumber=1234

Validate Ukrainian phone number

https://api.transferwise.com/v1/validators/privatbank-phone-number?phoneNumber=123456789

NZD

Validate New Zealand bank account number

https://api.transferwise.com/v1/validators/new-zealand-account-number?accountNumber=03-1587-0050000-00

AED

Validate United Arab Emirates BIC code

https://api.transferwise.com/v1/validators/emirates-bic?bic=BOMLAEAD&iban=AE070331234567890123456

CNY

Validate Chinese Union Pay card number

https://api.transferwise.com/v1/validators/chinese-card-number?cardNumber=6240008631401148

THB

Validate Thailand bank account number

https://api.transferwise.com/v1/validators/thailand-account-number?bankCode=002&accountNumber=9517384260

Banks and Branches

Example Request (Get list of banks for Hong Kong):

curl -X GET https://api.sandbox.transferwise.tech/v1/banks/country=HK

Example Response (Get list of banks for Hong Kong):

{
    "values": [
        {
            "code": "003",
            "title": "STANDARD CHARTERED BANK (HONG KONG) LIMITED"
        },
        {
            "code": "552",
            "title": "AAREAL BANK AG, WIESBADEN, GERMANY"
        },
        {
            "code": "307",
            "title": "ABN AMRO BANK N.V."
        },
        {
            "code": "222",
            "title": "AGRICULTURAL BANK OF CHINA LIMITED"
        },
        {
            "code": "525",
            "title": "ZIBO CITY COMMERCIAL BANK, SHANDONG"
        }
    ]
}

Example Request (Get list of bank branches for a Hong Kong bank with code 003):

curl -X GET https://api.sandbox.transferwise.tech/v1/bank-branches?country=HK&bankCode=003

Example Response (Get list of bank branches for a Hong Kong bank with code 003):

{
    "country": "HK",
    "values": [
        {
            "code": "251",
            "title": "Quarry Bay Branch [251]",
            "parentCode": "003"
        },
        {
            "code": "983",
            "title": "Canton Road Branch [983]",
            "parentCode": "003"
        },
        {
            "code": "984",
            "title": "Tuen Mun Branch [984]",
            "parentCode": "003"
        },
        {
            "code": "985",
            "title": "Kwun Tong Branch [985]",
            "parentCode": "003"
        }
    ]
}

Get list of banks by country code

List of banks is available for these countries: BD, BR, CZ, CL, EG, GH, HK, ID, IL, IN, JP, KE, LK, MA, NG, NP, PE, PH, RU, SG, TH, VN, ZA

GET https://api.sandbox.transferwise.tech/v1/banks?country=HK

Get list of branches by country and bank code

List of bank branches is available for these countries: BD, GH, HK, IL, IN, JP, LK, SG, VN

GET https://api.sandbox.transferwise.tech/v1/bank-branches?country=HK&bankCode=<bankCode>

Countries and States

Example Request (Get list of allowed countries):

curl -X GET https://api.sandbox.transferwise.tech/v1/countries

Example Response (Get list of allowed countries):

{
    "values": [
        {
            "code": "AL",
            "name": "Albania"
        },
        {
            "code": "DZ",
            "name": "Algeria"
        },
        ...
        {
            "code": "ZW",
            "name": "Zimbabwe"
        },
        {
            "code": "AX",
            "name": "Åland Islands"
        }
    ]
}

Example Request (Get list of states for a country code US):

curl -X GET https://api.sandbox.transferwise.tech/v1/countries/US/states

Example Response (Get list of states for a country code US):

{
    "values": [
        {
            "code": "AL",
            "name": "Alabama"
        },
        {
            "code": "AK",
            "name": "Alaska"
        },
        ...
        {
            "code": "PR",
            "name": "Puerto Rico"
        },
        {
            "code": "VI",
            "name": "Virgin Islands"
        }
    ]
}

Get list of countries

List of allowed countries to be used in recipient or user-profile addresses.

GET https://api.sandbox.transferwise.tech/v1/countries

Get list of states by country code

List of states is available for these countries: US, CA, BR, AU.

GET https://api.sandbox.transferwise.tech/v1/countries/{countryCode}/states

Create AED Recipient

Example Request (AED):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "AED",
          "type": "emirates",
          "legalType": "PRIVATE",
          "details": {
           "IBAN": "AE070331234567890123456"
         }
      }'

Send payments to United Arab Emirates.

Private and business recipients are supported.

Recipient type = 'emirates'

Required details: IBAN

Create ARS Recipient

Example Request (ARS):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "ARS",
          "type": "argentina",
          "details": {
           "legalType": "PRIVATE",
           "taxId": "20-34149938-1",
           "accountNumber": "0110482420048200036238"
         }
      }'

Send payments to Argentina.

Private and business recipients are supported.

Recipient type = 'argentina'

Required details:

taxId - Recipient’s CUIT / CUIL (Single Tax Identification/ Single Labor Identification), 11 characters

accountNumber - Recipient’s account CBU, 22 characters (Alias not supported)

Create AUD Recipient

Example Request (AUD australian):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "AUD",
          "type": "australian",
          "details": {
           "legalType": "PRIVATE",
           "bsbCode": "023604",
           "accountNumber": "123456789"
          }
        }'

Example Request (AUD australian_business):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "AUD",
          "type": "australian_business",
          "details": {
           "legalType": "BUSINESS",
           "bsbCode": "023604",
           "businessNumber": "12 345 678 910"
           "accountNumber": "123456789"
          }
        }'

Send payments to Australia.

Recipient type = 'australian'

Private recipients are supported.

Required details:

bsbCode - 6 digits

accountNumber - 5..14 digits

Recipient type = 'australian_business'

Business recipients are supported.

Required details:

bsbCode - 6 digits

businessNumber - 9..14 digits

accountNumber - 5..14 digits

Create BDT Recipient

Example Request (BDT):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "BDT",
          "type": "bangladesh",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "015",
           "branchCode": "015270362",
           "accountNumber": "5060011118"
           }
        }'

Send payments to Bangladesh.

Recipient type = 'iban'

Required details: bankCode, branchCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create BGN Recipient

Example Request (BGN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "BGN",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "BG89370400440532013000"
           }
        }'

Send payments to Bulgaria.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create BRL Recipient

Example Request (BRL):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "BRL",
          "type": "brazil",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "218",
           "branchCode": "1234",
           "accountNumber": "12345678-9",
           "accountType": "CHECKING",
           "cpf": "123.456.789-12",
           "phoneNumber": "+55 21 5555 5555"
           }
        }'

Send payments to Brazil.

Recipient type = 'brazil'

Required details: bankCode, branchCode, accountNumber, accountType (CHECKING or SAVINGS), cpf (tax reg no), recipient phone number

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create CAD Recipient

Example Request (CAD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CAD",
          "type": "canadian",
          "details": {
           "legalType": "PRIVATE",
           "institutionNumber": "006",
           "transitNumber": "04841",
           "accountNumber": "3456712",
           "accountType": "Checking",
     }
  }'

Send payments to Canada.

Private and business recipients are supported.

Recipient type = 'canadian'

Required details: institutionNumber, transitNumber, accountNumber, accountType (Checking or Saving)

Create CAD Interac Recipient

Example Request (CAD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CAD",
          "type": "interac",
          "details": {
           "interacAccount": "<recipient email>",
     }
  }'

Send payments to Canada via Interac.

Private and business recipients are supported. 10,000 CAD max per payment.

Recipient type = 'interac'

Required details: interacAccount

Create CHF Recipient

Example Request (CHF):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CHF",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "CH89370400440532013000",
           "town": "Zürich",
           "postCode": 8037
           }
        }'

Send payments to Switzerland.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Required details: IBAN, town, postcode

Where town and postcode are the recipient's home town and postcode.

If the recpient's country does not use a postcode, then please fill it with 0 (zero).

Create CLP Recipient

Example Request (CLP):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CLP",
          "type": "chile",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "504",
           "accountNumber": "12345678901234567890",
           "rut": "760864285",
           "accountType": "CHECKING",
           "phoneNumber": "+56 33 555 5555"
           }
        }'

Send payments to Chile.

Private and business recipients are supported.

Recipient type = 'chile'

Required details: bankCode, accountNumber, rut (Rol Único Tributario), accountType (CHECKING, SAVINGS, CUENTA_VISTA), recipient phone number

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create CNY Recipient

Example Request (CNY):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CNY",
          "type": "chinese_card",
          "details": {
           "legalType": "PRIVATE",
           "cardNumber": "6240008631401148"
           }
        }'

Example Request (CNY Alipay id):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{
             "profile": <your profile id>,
             "accountHolderName": <recipient name>,
             "currency": "CNY",
             "type": "chinese_alipay",
             "details": {
              "legalType": "PRIVATE",
              "accountNumber": "email@example.com"
             }
         }'

Send payments to China Unionpay cardholder.

Recipient type = 'chinese_card'

Required details: cardNumber

Recipient type = 'chinese_alipay'

Required details: accountNumber - Chinese mobile number or email

Create CZK Recipient

Example Request (CZK Local):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CZK",
          "type": "czech",
          "details": {
           "legalType": "PRIVATE",
           "prefix": "000000",
           "accountNumber": "5060011118",
           "bankCode": "5500"
           }
        }'

Example Request (CZK IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "CZK",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "CZ89370400440532013000"
           }
        }'

Send payments to Czech Republic.

Private and business recipients are supported.

Recipient type = 'czech'

Required details: prefix, accountNumber, bankCode

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Recipient type = 'iban'

Required details: IBAN

Create DKK Recipient

Example Request (DKK):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "DKK",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "DK89370400440532013000"
           }
        }'

Send payments to Denmark.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create EGP Recipient

Example Request (EGP):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "EGP",
          "type": "egypt_local",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "ECBAEGCA",
           "accountNumber": "123456789"
           }
        }'

Send payments to Egypt.

Private and business recipients are supported.

Recipient type = 'egypt_local'

Required details: bankCode, accountNumber (Swift code)

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create EUR Recipient

Example Request (EUR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "EUR",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "DE89370400440532013000"
           }
        }'

Send payments to Eurozone countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create GBP Recipient

Example Request (GBP Sort Code):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "GBP",
          "type": "sort_code",
          "details": {
           "legalType": "PRIVATE",
           "sortCode": "40-30-20",
           "accountNumber": "12345678"
           }
        }'

Example Request (GBP IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "GBP",
          "type": "iban",
          "details": {
            "legalType": "PRIVATE",
            "IBAN": "GB89370400440532013000"
           }
        }'

Send payments to United Kingdom.

Private and business recipients are supported.

Recipient type = 'sort_code'

Required details: sortCode, accountNumber

Recipient type = 'iban'

Required details: IBAN

Create GEL Recipient

Example Request (GEL):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "GEL",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "GE89370400440532013000"
           }
        }'

Send payments to Georgia.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create GHS Recipient

Example Request (GHS):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "GHS",
          "type": "ghana_local",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "030100",
           "accountNumber": "0011XXXXXXXXXX"
           }
        }'

Send payments to Ghana.

Private and business recipients are supported.

Recipient type = 'ghana_local'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create HKD Recipient

Example Request (HKD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "accountHolderName": "<recipient name>",
          "currency": "HKD",
          "type": "hongkong",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "307",
           "accountNumber": "005-231289-112"
           }
        }'

Send payments to Hong Kong.

Private and business recipients are supported.

Recipient type = 'hongkong'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create HRK Recipient

Example Request:

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "HRK",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "HR89370400440532013000"
           }
        }'

Send payments to Croatia.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create HUF Recipient

Example Request (HUF Local):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "HUF",
          "type": "hungarian",
          "details": {
           "legalType": "PRIVATE",
           "accountNumber": "12000000-12345678-00000000"
           }
        }'

Example Request (HUF IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "HUF",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "HU89370400440532013000"
           }
        }'

Send payments to Hungary.

Private and business recipients are supported.

Recipient type = 'hungarian'

Required details: accountNumber

Recipient type = 'iban'

Required details: IBAN

Create IDR Recipient

Example Request (IDR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "IDR",
          "type": "indonesian",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "610306",
           "accountNumber": "6789112345678"
           }
        }'

Send payments to Indonesia.

Private and business recipients are supported.

Recipient type = 'indonesian'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create ILS Recipient

Example Request (ILS IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
        "profile": <your profile id>,
        "accountHolderName": "<recipient name>",
        "currency": "ILS",
        "type": "israeli_local",
        "details": {
         "legalType": "PRIVATE",
         "IBAN": "IL620108000000099999999"
         }
      }'

Send payments to Israel.

Private and business recipients are supported.

Recipient type = 'israeli_local'

Required details: IBAN

Create INR Recipient

Example Request (INR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "INR",
          "type": "indian",
          "details": {
           "legalType": "PRIVATE",
           "ifscCode": "YESB0236041",
           "accountNumber": "678911234567891",
           }
        }'

Send payments to India.

Private and business recipients are supported.

Recipient type = 'indian'

Required details: ifscCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create JPY Recipient

Example Request (JPY):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "JPY",
          "type": "japanese",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "6470",
           "branchCode": "100",
           "accountType": "CURRENT",
           "accountNumber": "1234567"
           }
        }'

Send payments to Japan.

Private and business recipients are supported.

Recipient type = 'japanese'

Required details: bankCode, branchCode accountNumber, accountType (CURRENT, SAVINGS, CHECKING),

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create KES Recipient

Example Request (KES Bank Account):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "KES",
          "type": "kenya_local",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "35",
           "accountNumber": "0023183991919"
           }
        }'

Example Request (KES Mobile MPESA):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "KES",
          "type": "kenya_mobile",
          "details": {
           "legalType": "PRIVATE",
           "accountNumber": "2547XXXXXXXX"
           }
        }'

Send payments to Kenya.

Private and business recipients are supported. However please note that only individuals can hold MPESA accounts.

Recipient type = 'kenya_local'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Recipient type = 'kenya_mobile'

Required details: accountNumber - mobile number

Create KRW Recipient

Example Request (KRW PayGate):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipients name>",
          "currency": "KRW",
          "type": "south_korean_paygate",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "BUSAN_032",
           "accountNumber": "1254693521232",
           "dateOfBirth" : "yyyy-mm-dd",
           "email": "<recipients email>"
           }
        }'

Example Request (KRW PayGate to Business):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient business name>",
          "currency": "KRW",
          "type": "south_korean_paygate_business",
          "details": {
           "legalType": "BUSINESS",
           "bankCode" : "BUSAN_032",
           "accountNumber": "1254693521232"
           }
        }'

Send payments to South Korea.

Private and business recipients are supported.

Recipient type = 'south_korean_paygate'

Required details: bankCode, accountNumber, dateOfBirth, email

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Recipient type = 'south_korean_paygate_business'

Required details: bankCode, accountNumber

Create LKR Recipient

Example Request (LKR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "LKR",
          "type": "srilanka",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "7214",
           "branchCode": "100",
           "accountNumber": "5060011118"
           }
        }'

Send payments to Sri Lanka.

Private and business recipients are supported.

Recipient type = 'srilanka'

Required details: bankCode, branchCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create MAD Recipient

Example Request (MAD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "MAD",
          "type": "morocco",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "BCMAMAMC",
           "accountNumber": "123456789012345678901234"
           }
        }'

Send payments to Morocco.

Private and business recipients are supported. 260,000 MAD per transaction

Recipient type = 'morocco'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create MXN Recipient

Example Request (MXN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "MXN",
          "type": "mexican",
          "details": {
           "legalType": "PRIVATE",
           "clabe": "032180000118359719"
           }
        }'

Send payments to Mexico.

Private and business recipients are supported.

Recipient type = 'mexican'

Required details: clabe

Create MYR Recipient

Example Request (MYR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "MYR",
          "type": "malaysian",
          "details": {
           "legalType": "PRIVATE",
           "swiftCode": "ABNAMYKL",
           "accountNumber": "159012938613"
           }
        }'

Send payments to Malaysia.

Private and business recipients are supported. Maximum amount is 10,000,000 MYR per payment.

Recipient type = 'malaysian'

Required details: swiftCode, accountNumber

Create NGN Recipient

Example Request (NGN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "NGN",
          "type": "nigeria",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "044",
           "accountNumber": "0584412903"
           }
        }'

Send payments to Nigeria.

Private and business recipients are supported. Maximum amount is 2,000,000 NGN per payment.

Recipient type = 'nigeria'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create NOK Recipient

Example Request (NOK):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "NOK",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "DE89370400440532013000"
           }
        }'

Send payments to Norway.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create NPR Recipient

Example Request (NPR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "NPR",
          "type": "nepal",
          "legalType": "PRIVATE",
          "details": {
           "bankCode": "977056",
           "accountNumber": "1234567890"
           }
        }'

Send payments to Nepal.

Private recipients are supported. 1mln NPR per transaction / per month for individual account.

Recipient type = 'nepal'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create NZD Recipient

Example Request (NZD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "NZD",
          "type": "newzealand",
          "details": {
           "legalType": "PRIVATE",
           "accountNumber": "03-1587-0050000-00"
           }
        }'

Send payments to New Zealand.

Recipient type = 'newzealand'

Required details: accountNumber

Create PEN Recipient

Example Request (PEN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "PEN",
          "type": "peru",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "BCON",
           "accountNumber": "12345678901234567890",
           "accountType": "CHECKING",
           "idDocumentType": "DNI",
           "idDocumentNumber": "09740475",
           "phoneNumber": "+51 987654321"
           }
        }'

Send payments to Peru.

Private and business recipients are supported. 1,900 USD per transfer / 9,900 USD per 30 days.

Recipient type = 'peru'

Required details: bankCode, accountNumber, accountType (CHECKING, SAVINGS), ID document type (DNI, RUC, C_EXT, PASSP), ID document number, recipient phone number

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create PHP Recipient

Example Request (PHP):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "PHP",
          "type": "philippines",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "AMA",
           "accountNumber": "0044XXXXXXXX",
           "address" : {
              "country": "GB",
              "city": "London",
              "postCode": "10025",
              "firstLine": "50 Branson Ave"
             }
          }
        }'

Send payments to Philippines.

Private and business recipients are supported. 480,000 PHP per payment.

Recipient type = 'philippines'

Required details: bankCode, accountNumber, recipient address

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create PKR Recipient

Example Request (PKR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "PKR",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "PK89370400440532013000"
           }
        }'

Send payments to Pakistan. Max 1 million PKR per payment.

Recipient type = 'iban'

Required details: IBAN

Create PLN Recipient

Example Request (PLN IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "PLN",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "PL89370400440532013000"
           }
        }'

Example Request (PLN Local):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "PLN",
          "type": "polish",
          "details": {
           "legalType": "PRIVATE",
           "accountNumber": "109010140000071219812874"
           }
        }'

Send payments to Poland.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Recipient type = 'polish'

Required details: accountNumber

Create RON Recipient

Example Request (RON):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "RON",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "RO89370400440532013000"
           }
        }'

Send payments to Romania.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Create RUB Recipient

Example Request (RUB):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "RUB",
          "type": "russiarapida",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "041234567",
           "accountNumber": "40820810999999999999",
           "russiaRegion": "ALTAIKRAI",
           "address" : {
              "country": "GB",
              "city": "London",
              "postCode": "10025",
              "firstLine": "50 Branson Ave"
             }
           }
        }'

Send payments to Russia.

Recipient type = 'russiarapida'

Required details: bankCode, accountNumber, region, recipient address.

You have to provide first, last and patronymic names in Cyrillic, in order for your transfer to be accepted by the recipient bank. (unless the recipient is registered at the bank with no patronymic)

You can get list of bank, region and country codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Lists of banks and branches can be obtained from Banks and Branches endpoints.

Create SEK Recipient

Example Request (SEK IBAN):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "SEK",
          "type": "iban",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "SE89370400440532013000"
           }
        }'

Example Request (SEK Local):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "SEK",
          "type": "sweden_local",
          "details": {
           "legalType": "PRIVATE",
           "clearingNumber": "1234",
           "accountNumber": "1234567"
           }
        }'

Example Request (SEK BankGiro):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "SEK",
          "type": "bankgiro",
          "details": {
           "legalType": "PRIVATE",
           "bankgiroNumber": "1234-5678"
           }
        }'

Send payments to Sweden.

Private and business recipients are supported.

Recipient type = 'iban'

Required details: IBAN

Recipient type = 'sweden_local'

Required details: clearingNumber, accountNumber

Recipient type = 'bankgiro'

Required details: bankgiroNumber

Create SGD Recipient

Example Request (SGD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "SGD",
          "type": "singapore",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "7418",
           "accountNumber": "1238827822"
           }
        }'

Send payments to Singapore.

Private and business recipients are supported.

Recipient type = 'singapore'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create THB Recipient

Example Request (THB):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "THB",
          "type": "thailand",
          "details": {
           "legalType": "PRIVATE",
           "bankCode": "002",
           "accountNumber": "9517384260"
           "address" : {
              "country": "GB",
              "city": "London",
              "postCode": "10025",
              "firstLine": "50 Branson Ave"
             }
           }
        }'

Send payments to Thailand. Max 2 mln THB per payment.

Private and business recipients are supported.

Recipient type = 'thailand'

Required details: bankCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create TRY Recipient

Example Request (TRY):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "TRY",
          "type": "turkish_earthport",
          "details": {
           "legalType": "PRIVATE",
           "IBAN": "TR330006100519786457841326"
           }
        }'

Send payments to Turkey.

Private and business recipients are supported. 1 000 000 TRY per payment.

Recipient type = 'turkish_earthport'

Required details: IBAN

Create UAH Recipient

Example Request (UAH):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "UAH",
          "type": "privatbank",
          "details": {
           "legalType": "PRIVATE",
           "phoneNumber": "777210012",
           "accountNumber": "2662"
           }
        }'

Send payments to Ukraine. Maximum 1,2m UAH per payment.

Recipient type = 'privatbank'

Required details:

phoneNumber = Use phone number registered in Privat Bank
accountNumber = Last 4 digits of UAH PrivatBank card

Create USD Recipient

Example Request (USD):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "USD",
          "type": "aba",
          "details": {
           "legalType": "PRIVATE",
           "abartn": "111000025",
           "accountNumber": "12345678",
           "accountType": "CHECKING",
           "address" : {
              "country": "GB",
              "city": "London",
              "postCode": "10025",
              "firstLine": "50 Branson Ave"
             }
           }
        }'

Send payments to USA.

Private and business recipients are supported. Max 1 Million USD per payment.

Recipient type = 'aba'

Required details:

abartn = ACH Routing number
accountNumber = Recipient bank account number
accountType = CHECKING or SAVINGS
address = Recipient address

Create VND Recipient

Example Request (VND):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "VND",
          "type": "vietname_earthport",
          "details": {
           "legalType": "PRIVATE",
           "swiftCode": "ABBKVNVX",
           "branchCode": "001",
           "accountNumber": "1234567890"
           }
        }'

Send payments to Vietnam.

Private and business recipients are supported.

Recipient type = 'vietname_earthport'

Required details: swiftCode, branchCode, accountNumber

Lists of banks and branches can be obtained from Banks and Branches endpoints.

You can also get list of bank and branch codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Create ZAR Recipient

Example Request (ZAR):

curl -X POST "https://api.sandbox.transferwise.tech/v1/accounts" \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "profile": <your profile id>,
          "accountHolderName": "<recipient name>",
          "currency": "ZAR",
          "type": "southafrica",
          "details": {
           "legalType": "PRIVATE",
           "swiftCode": "ALBRZAJJ",
           "accountNumber": "0000000052312891"
           }
        }'

Send payments to South African Republic.

Private and business recipients are supported.

Recipient type = 'southafrica'

Required details: swiftCode, accountNumber

You can get list of bank codes by using /v1/quotes/{quoteId}/account-requirements endpoint.

Lists of banks and branches can be obtained from Banks and Branches endpoints.

Simulation

Simulate Transfer Processing

Example Request:

curl -X GET "https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/processing" \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 15574445,
  "user": 294205,
  "targetAccount": 7993919,
  "sourceAccount": null,
  "quote": 113379,
  "status": "processing",
  "reference": "good times",
  "rate": 1.2151,
  "created": "2017-03-14 15:25:51",
  "business": null,
  "transferRequest": null,
  "details": {
    "reference": "good times"
  },
  "hasActiveIssues": false,
  "sourceValue": 1000,
  "sourceCurrency": "EUR",
  "targetValue": 895.32,
  "targetCurrency": "GPB"
}

You can simulate payment processing by changing transfer statuses using these endpoints.

This feature is limited to sandbox only. Please note, simulation doesn't work with email transfers.

Request

GET https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/processing

Changes transfer status from incoming_payment_waiting to processing.

GET https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/funds_converted

Changes transfer status from processing to funds_converted.

GET https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/outgoing_payment_sent

Changes transfer status from funds_converted to outgoing_payment_sent.

GET https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/bounced_back

Changes transfer status from outgoing_payment_sent to bounced_back.

GET https://api.sandbox.transferwise.tech/v1/simulation/transfers/{transferId}/funds_refunded

Changes transfer status from bounced_back to funds_refunded.

Response

Transfer entity with changed status.

Terms and Conditions

Get Terms and Conditions

Example Request:

curl -X GET "https://api.sandbox.transferwise.tech/v1/terms/default"

Example Response:

<h2><strong>1. How to read this Agreement</strong></h2>
<p>This Agreement contains 30 sections. You may go directly to any section by selecting the appropriate link provided. The headings are for reference only. Some capitalised terms have specific definitions in section [3]. Underlined words in this Agreement contain hyperlinks to further information.</p>
<h2><strong>2. Why you should read this Agreement</strong></h2>
<p>2.1 What this Agreement cover. These are the term and conditions on which we provide our Services to you.</p>
<p>2.2 Why you should read them. Please read this Agreement carefully before you start to use our Services. This Agreement (always together with the documents referred to in it) tell you who we are, how we will provide the Services to you, how this Agreement may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in this Agreement or require any changes, please <u>contact us</u> to discuss.</p>
<p>2.3 Other additional documents which applies to you. This Agreement refers to the following additional documents, which also apply to your use of our Services:</p>
<ul><li>(a) <u>Our Privacy Policy</u>, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing and you promise that all data provided by you is accurate.</li>
<li>(b) <u>Our Cookie Policy</u>, which sets out information about the “cookies” on our Website.</li>
...

Get TransferWise terms and conditions in HTML format to show to your customers who are signing up for their TransferWise account. This endpoint is applicable for bank integrations and third party application integrators only.

Request

GET https://api.sandbox.transferwise.tech/v1/terms/{clientId}

Use "default" as clientId to fetch Transferwise general terms and conditions.

No authentication is required for this endpoint.

Response

Terms and conditions in HTML format.

Transfers

Create

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/transfers \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "targetAccount": <recipient account id>,   
          "quote": <quote id>,
          "customerTransactionId": "<the UUID you generated for the transfer attempt>",
          "details" : {
              "reference" : "to my friend",
              "transferPurpose": "verification.transfers.purpose.pay.bills",
              "sourceOfFunds": "verification.source.of.funds.other"
            } 
         }'

Example Response:

{
    "id": 468956,
    "user": <your user id>,
    "targetAccount": <recipient account id>,
    "sourceAccount": null,
    "quote": <quote id>,
    "status": "incoming_payment_waiting",
    "reference": "to my friend",
    "rate": 0.9065,
    "created": "2018-08-28 07:43:55",
    "business": <your business profile id>,
    "transferRequest": null,
    "details": {
        "reference": "to my friend"
    },
    "hasActiveIssues": false,
    "sourceCurrency": "EUR",
    "sourceValue": 661.89,
    "targetCurrency": "GBP",
    "targetValue": 600,
    "customerTransactionId": "bd244a95-dcf8-4c31-aac8-bf5e2f3e54c0"
}

A transfer is a payout order to a recipient account based on a quote. Once created, a transfer needs to be funded during the next 10 working days (based on the source currency). In case not it will get automatically cancelled.

Request

POST https://api.sandbox.transferwise.tech/v1/transfers

Field	Description	Format
targetAccount	Recipient account id. You can create multiple transfers to same recipient account.	Integer
quote	Quote id. You can only create one transfer per one quote. You cannot use same quote ID to create multiple transfers.	Integer
customerTransactionId	This is required to perform idempotency check to avoid duplicate transfers in case of network failures or timeouts.	UUID
details.reference (optional)	Recipient will see this reference text in their bank statement. Maximum allowed characters depends on the currency route. Business Payments Tips article has a full list.	Text
details.transferPurpose (conditionally required)	For example when target currency is THB. See more about conditions at Transfers.Requirements	Text
details.sourceOfFunds (conditionally required)	For example when target currency is USD and transfer amount exceeds 80k. See more about conditions at Transfers.Requirements	Text

There are two options to deal with conditionally required fields:

Always provide values for these fields
Always call transfers-requirements endpoint and submit values only if indicated so.

Response

You need to save transfer id for tracking its status later.

Field	Description	Format
id	Transfer id	Integer
user	Your user id	Integer
targetAccount	Recipient account id	Integer
sourceAccount	Not used	Integer
quote	Quote id	Integer
status	Transfer current status	Text
reference	Deprecated, use details.reference instead	Text
rate	Exchange rate value	Decimal
created	Timestamp when transfer was created	Timestamp
business	Your business profile id
transferRequest	Not used	Integer
details.reference	Payment reference text	Text
hasActiveIssues	Are there any pending issues which stop executing the transfer?	Boolean
sourceCurrency	Source currency code	Text
sourceValue	Transfer amount in source currency	Decimal
targetCurrency	Target currency code	Text
targetValue	Transfer amount in target currency	Decimal
customerTransactionId	UUID format unique identifier assinged by customer. Used for idempotency check purposes.	UUID

Avoiding duplicate transfers

Fund

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "type": "BALANCE"   
         }'

Example Response:

{
  "type": "BALANCE",
  "status": "COMPLETED",
  "errorCode": null
}

This API call is the final step for executing payouts. TransferWise will now debit funds from your borderless balance and start processing your transfer. If your borderless balance is short of funds then this call will fail with "insufficient funds" error.

Request

POST https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments

Use transfer id that you obtained in previous step.

Field	Description	Format
type	"BALANCE". This indicates that your transfer will be funded from your borderless account balance.	Text

Response

You need to save transfer id for tracking its status later.

Field	Description	Format
type	"BALANCE"	Text
status	"COMPLETED" or "REJECTED"	Text
errorCode	Failure reason. For example "balance.payment-option-unavailable"	Text

Cancel

Example Request:

curl -X PUT https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/cancel \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 16521632,
  "user": 4342275,
  "targetAccount": 8692237,
  "sourceAccount": null,
  "quote": 657171,
  "status": "cancelled",
  "reference": "reference text",
  "rate": 0.89,
  "created": "2017-11-24 10:47:49",
  "business": null,
  "transferRequest": null,
  "details": {
    "reference": "vambo 3"
  },
  "hasActiveIssues": false,
  "sourceCurrency": "EUR",
  "sourceValue": 0,
  "targetCurrency": "GBP",
  "targetValue": 150,
  "customerTransactionId": "54a6bc09-cef9-49a8-9041-f1f0c654cd88"
}

Only transfers which are not funded can be cancelled. Cancellation is final it can not be undone.

Request

PUT https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/cancel

Use transfer id that you obtained when creating a transfer.

Response

Field	Description	Format
id	Transfer id	Integer
user	Your user id	Integer
targetAccount	Recipient account id	Integer
sourceAccount	Not used	Integer
quote	Quote id	Integer
status	Transfer current status	Text
reference	Deprecated, use details.reference instead	Text
rate	Exchange rate value	Decimal
created	Timestamp when transfer was created	Timestamp
business	Your business profile id
transferRequest	Not used	Integer
details.reference	Payment reference text	Text
hasActiveIssues	Are there any pending issues which stop executing the transfer?	Boolean
sourceCurrency	Source currency code	Text
sourceValue	Transfer amount in source currency	Decimal
targetCurrency	Target currency code	Text
targetValue	Transfer amount in target currency	Decimal
customerTransactionId	UUID format unique identifier assinged by customer. Used for idempotency check purposes.	UUID

Get by Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 15574445,
  "user": 294205,
  "targetAccount": 7993919,
  "sourceAccount": null,
  "quote": 113379,
  "status": "incoming_payment_waiting",
  "reference": "good times",
  "rate": 1.2151,
  "created": "2017-03-14 15:25:51",
  "business": null,
  "transferRequest": null,
  "details": {
    "reference": "good times"
  },
  "hasActiveIssues": false,
  "sourceValue": 1000,
  "sourceCurrency": "EUR",
  "targetValue": 895.32,
  "targetCurrency": "GPB",
  "customerTransactionId": "6D9188CF-FA59-44C3-87A2-4506CE9C1EA3"
}

Get transfer info by id. Since we don't have push notifications yet, you can poll this endpoint to track your transfer status.

Request

GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId}

Response

Field	Description	Format
id	Transfer id	Integer
user	Your user id	Integer
targetAccount	Recipient account id	Integer
sourceAccount	Not used	Integer
quote	Quote id	Integer
status	Transfer current status	Text
reference	Deprecated, use details.reference instead	Text
rate	Exchange rate value	Decimal
created	Timestamp when transfer was created	Timestamp
business	Your business profile id
transferRequest	Not used	Integer
details.reference	Payment reference text	Text
hasActiveIssues	Are there any pending issues which stop executing the transfer?	Boolean
sourceCurrency	Source currency code	Text
sourceValue	Transfer amount in source currency	Decimal
targetCurrency	Target currency code	Text
targetValue	Transfer amount in target currency	Decimal
customerTransactionId	UUID format unique identifier assinged by customer. Used for idempotency check purposes.	UUID

Get Issues

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/issues \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "type": "Payment has bounced back",
    "state": "OPENED",
    "description": "Inorrect recipient account number"
  }
]

Get pending issues that are suspending a transfer from further processing. This is more applicable for Bank Integrations use case when transfers are NOT funded from borderless account but funding is sent via bank transfer. For example "DEPOSIT_AMOUNT_LESS_INVOICE" means that arrived funding does not cover total transfer amount.

Request

GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/issues

Response

Field	Description	Format
type	Issue type: DEPOSIT_AMOUNT_LESS_INVOICE DEPOSIT_AMOUNT_MORE_INVOICE PROVE_ACCOUNT_OWNERSHIP_WITH_REFERENCE_CODE PROVE_ACCOUNT_OWNERSHIP_WITH_MICRO_DEPOSIT JOINT_ACCOUNT_PROOF_NEEDED BUSINESS_ORDER_PERSONAL_DEPO INCORRECT_NAME_DEPOSIT DEPOSIT_PROOF_NEEDED PERSONAL_ORDER_BUSINESS_DEPO INCORRECT_DEPOSIT_RECIPIENT_DETAILS INCORRECT_SOURCE_ACCOUNT_NUMBER	Text
status	Issue state: OPENED, IN_PROGRESS, CLOSED	Text
description	Additional details about issue. For example 'Incorrect recipient account number'	Text

Get Delivery Time

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/delivery-estimates/{transferId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
   "estimatedDeliveryDate" : "2018-01-10T12:15:00.000+0000"
}

Get the live delivery estimate for a transfer by the transfer ID.
The delivery estimate is the time at which we currently expect the transfer to arrive in the benificiary's bank account.
This is not a guaranteed time but we are working hard to make these estimates as accurate as possible.

Request

GET https://api.sandbox.transferwise.tech/v1/delivery-estimates/{transferId}

Response

You need to save transfer id for tracking its status later.

Field	Description	Format
estimatedDeliveryDate	Estimated time when funds will arrive to recipient's bank account	Timestamp

Get Receipt PDF

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/receipt.pdf \
     -H "Authorization: Bearer <your api token>"

Example Response:

Receipt presented as application/pdf content-type

Download transfer confirmation receipt in PDF format for transfers that are in status outgoing_payment_sent.

Request

GET https://api.sandbox.transferwise.tech/v1/transfers/{transferId}/receipt.pdf

Response

Transfer confirmation receipt in PDF format.

List

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/transfers?offset=0&limit=100&profile=<your profile id>&status=funds_refunded&createdDateStart=2018-12-15&createdDateEnd=2018-12-30  \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "id": 15574445,
    "user": 294205,
    "targetAccount": 7993919,
    "sourceAccount": null,
    "quote": 113379,
    "status": "funds_refunded",
    "reference": "good times",
    "rate": 1.1179,
    "created": "2018-12-16 15:25:51",
    "business": null,
    "transferRequest": null,
    "details": {
      "reference": "good times"
    },
    "hasActiveIssues": false,
    "sourceValue": 1000,
    "sourceCurrency": "EUR",
    "targetValue": 895.32,
    "targetCurrency": "GPB",
    "customerTransactionId": "6D9188CF-FA59-44C3-87A2-4506CE9C1EA3"
  },
  {
    "id": 14759252,
    "user": 294205,
    "targetAccount": 5570192,
    "sourceAccount": null,
    "quote": 113371,
    "status": "funds_refunded",
    "reference": "",
    "rate": 1.1179,
    "created": "2018-12-26 15:25:51",
    "business": null,
    "transferRequest": null,
    "details": {
      "reference": ""
    },
    "hasActiveIssues": false,
    "sourceValue": 1000,
    "sourceCurrency": "EUR",
    "targetValue": 895.32,
    "targetCurrency": "GPB",
    "customerTransactionId": "785C67AD-7E29-4DBC-9D4A-4C45D4D5333A"
  }
]

Get the list of transfers for given user's profile (defaults to user's personal profile).

You can add query parameters to specify user's profile (personal or business), time period and/or payment status.

For example you can query:

all failed payments created since last week
all completed payments created since yesterday

Request

GET https://api.sandbox.transferwise.tech/v1/transfers/?offset=0&limit=100&profile=<your profile id>&status=funds_refunded&sourceCurrency=EUR&createdDateStart=2018-12-15T01:30:00.000Z&createdDateEnd=2018-12-30T01:30:00.000Z

Field	Description	Format
profile	User profile id. If parameter is omitted, defaults to user's personal profile	Integer
status	Status code or codes list (as comma separated value list) to filter returned transfers with. See Track transfer status for complete list of statuses.	Text
sourceCurrency	Source currency code	Text
targetCurrency	Target currency code	Text
createdDateStart	Starting date to filter transfers, inclusive of the provided date.	yyyy-MM-dd'T'HH:mm:ss.SSS'Z'
createdDateEnd	Ending date to filter transfers, inclusive of the provided date.	yyyy-MM-dd'T'HH:mm:ss.SSS'Z'
limit	Maximum number of records to be returned in response	Integer
offset	Starting record number	Integer

Response

Field	Description	Format
id	Transfer id	Integer
user	Your user id	Integer
targetAccount	Recipient account id	Integer
sourceAccount	Not used	Integer
quote	Quote id	Integer
status	Transfer current status	Text
reference	Deprecated, use details.reference instead	Text
rate	Exchange rate value	Decimal
created	Timestamp when transfer was created	Timestamp
business	Your business profile id
transferRequest	Not used	Integer
details.reference	Payment reference text	Text
hasActiveIssues	Are there any pending issues which stop executing the transfer?	Boolean
sourceCurrency	Source currency code	Text
sourceValue	Transfer amount in source currency	Decimal
targetCurrency	Target currency code	Text
targetValue	Transfer amount in target currency	Decimal
customerTransactionId	UUID format unique identifier assinged by customer. Used for idempotency check purposes.	UUID

Requirements

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/transfer-requirements \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
            "targetAccount": <recipient account id>,
            "quote": <quote id>,
            "details": {
              "reference": "good times",
              "sourceOfFunds": "verification.source.of.funds.other",
              "sourceOfFundsOther": "Trust funds"
            },
            "customerTransactionId": "6D9188CF-FA59-44C3-87A2-4506CE9C1EA3"
         }'

Example Response:

[
  {
    "type": "transfer",
    "fields": [
      {
        "name": "Transfer reference",
        "group": [
          {
            "key": "reference",
            "type": "text",
            "refreshRequirementsOnChange": false,
            "required": false,
            "displayFormat": null,
            "example": null,
            "minLength": null,
            "maxLength": 10,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": null
          }
        ]
      },
      {
        "name": "Transfer purpose",
        "group": [
          {
            "key": "transferPurpose",
            "type": "select",
            "refreshRequirementsOnChange": true,
            "required": true,
            "displayFormat": null,
            "example": null,
            "minLength": null,
            "maxLength": null,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": [
              {
                "key": "verification.transfers.purpose.purchase.property",
                "name": "Buying property abroad"
              },
              {
                "key": "verification.transfers.purpose.pay.bills",
                "name": "Rent or other property expenses"
              },
              {
                "key": "verification.transfers.purpose.mortgage",
                "name": "Mortgage payment"
              },
              {
                "key": "verification.transfers.purpose.pay.tuition",
                "name": "Tuition fees or studying expenses"
              },
              {
                "key": "verification.transfers.purpose.send.to.family",
                "name": "Sending money home to family"
              },
              {
                "key": "verification.transfers.purpose.living.expenses",
                "name": "General monthly living expenses"
              },
              {
                "key": "verification.transfers.purpose.other",
                "name": "Other"
              }
            ]
          }
        ]
      },
      {
        "name": "Source of funds",
        "group": [
          {
            "key": "sourceOfFunds",
            "type": "select",
            "refreshRequirementsOnChange": true,
            "required": true,
            "displayFormat": null,
            "example": null,
            "minLength": null,
            "maxLength": null,
            "validationRegexp": null,
            "validationAsync": null,
            "valuesAllowed": [
              {
                "key": "verification.source.of.funds.salary",
                "name": "Salary"
              },
              {
                "key": "verification.source.of.funds.investment",
                "name": "Investments (stocks, properties, etc.)"
              },
              {
                "key": "verification.source.of.funds.inheritance",
                "name": "Inheritance"
              },
              {
                "key": "verification.source.of.funds.loan",
                "name": "Loan"
              },
              {
                "key": "verification.source.of.funds.other",
                "name": "Other"
              }
            ]
          }
        ]
      }
    ]
  }
]

Almost every country has its own specific nuances when it comes to the nitty gritty details of domestic payment systems and money transfer regulations. The maximum allowed length of reference text is a good example. The US payment system, ACH, supports 10 characters only, but transfers within Mexico allow up to 100 characters, and so on.

The same is true for requirements arising from Anti-Money Laundering regulations adopted in different countries. Depending on the chosen currencies and the amount transfer, either in one go or cumulatively over time, TransferWise may require more details about the customer's source of funds or transfer purpose, for example.

The endpoint /transfer-requirements exposes all these specific requirements based on the specific quote and selected target recipient account.

To make sure that processing of your customer's transfers does not get delayed because of missing details, we highly recommend to verify the transfer requirements before before submitting any transfer and collecting the data we request from the user using the returned dynamic form.

Request

POST https://api.sandbox.transferwise.tech/v1/transfer-requirements

1.Prepare the request body to create transfer object first. Now post this request body to the transfer-requirements endpoint to figure out if there are any other required fields.

2.Analyze the returned list of fields. Our example includes reference, sourceOfFunds and transferPurpose fields. Field 'reference' is optional. Fields 'sourceOfFunds' and 'transferPurpose' are required and both have refreshRequirementsOnChange=true which indicates that there could be additional fields required depending on the selected value.

In our example you will have to POST request to/v1/transfer-requirements` second time as well with values set for 'transferPurpose' and 'sourceOfFunds'. So in case you set sourceOfFunds = 'verification.source.of.funds.other' then another text field called "sourceOfFundsOther" is also required where you need to specify the details in free format.

3.Once you get to the point where you have provided values for all fields which have refreshRequirementsOnChange=true then you have complete set of fields to compose a valid request to create a transfer object. For example this is a valid request to create a transfer.
POST /v1/transfers:

{ "targetAccount": , "quote": , "details": { "reference": "good times", "sourceOfFunds": "verification.source.of.funds.other", "sourceOfFundsOther": "Trust funds" }, "customerTransactionId": "6D9188CF-FA59-44C3-87A2-4506CE9C1EA3" }

Response

Field	Description	Format
type	"transfer"	Text
fields[n].name	Field description	Text
fields[n].group[n].key	Key is name of the field you should include in the JSON	Text
fields[n].group[n].type	Display type of field (e.g. text, select, etc)	Text
fields[n].group[n].refreshRequirementsOnChange	Tells you whether you should call POST transfer-requirements once the field value is set to discover required lower level fields.	Boolean
fields[n].group[n].required	Indicates if the field is mandatory or not	Boolean
fields[n].group[n].displayFormat	Display format pattern.	Text
fields[n].group[n].example	Example value.	Text
fields[n].group[n].minLength	Min valid length of field value.	Integer
fields[n].group[n].maxLength	Max valid length of field value.	Integer
fields[n].group[n].validationRegexp	Regexp validation pattern.	Text
fields[n].group[n].validationAsync	Validator URL and parameter name you should use when submitting the value for validation	Text
fields[n].group[n].valuesAllowed[n].key	List of allowed values. Value key	Text
fields[n].group[n].valuesAllowed[n].name	List of allowed values. Value name.	Text

Users

Get By Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/users/{userId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 101,
  "name": "Example Person",
  "email": "person@example.com",
  "active": true,
  "details": {
    "firstName": "Example",
    "lastName": "Person",
    "phoneNumber": "+37111111111",
    "occupation": "",
    "address": {
      "city": "Tallinn",
      "countryCode": "EE",
      "postCode": "11111",
      "state": "",
      "firstLine": "Road 123"
    },
    "dateOfBirth": "1977-01-01",
    "avatar": "https://lh6.googleusercontent.com/photo.jpg",
    "primaryAddress": 111
  }
}

Get authenticated user details by user id. Response includes also personal user profile info.

Request

GET https://api.sandbox.transferwise.tech/v1/users/{userId}

Response

Field	Description	Format
id	userId	Integer
name	User full name	Text
email	User email	Text
active	If user is active or not	Boolean
details.firstName	User first name	Text
details.lastName	User lastname	Text
details.phoneNumber	Phone number	Text
details.dateOfBirth	Date of birth	YYYY-MM-DD
details.occupation	Person occupation	Text
details.avatar	Link to person avatar image	Text
details.primaryAddress	Address object id to use in addesses endpoints	Integer
details.address.countryCode	Address country code in 2 digits. "US" for example	Text
details.address.firstLine	Address first line	Text
details.address.postCode	Address post code	Text
details.address.city	Address city name	Text
details.address.state	Address state code State code. Required if country is US, CA, AU, BR.	Text
details.address.occupation	User occupation. Required for US, CA, JP	Text

Get the currently logged in user

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/me \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": 101,
  "name": "Example Person",
  "email": "person@example.com",
  "active": true,
  "details": {
    "firstName": "Example",
    "lastName": "Person",
    "phoneNumber": "+37111111111",
    "occupation": "",
    "address": {
      "city": "Tallinn",
      "countryCode": "EE",
      "postCode": "11111",
      "state": "",
      "firstLine": "Road 123"
    },
    "dateOfBirth": "1977-01-01",
    "avatar": "https://lh6.googleusercontent.com/photo.jpg",
    "primaryAddress": 111
  }
}

Get authenticated user details for the user's token submitted in the Authorization header. Response includes also personal user profile info.

Request

GET https://api.sandbox.transferwise.tech/v1/me

Response

Field	Description	Format
id	userId	Integer
name	User full name	Text
email	User email	Text
active	If user is active or not	Boolean
details.firstName	User first name	Text
details.lastName	User lastname	Text
details.phoneNumber	Phone number	Text
details.dateOfBirth	Date of birth	YYYY-MM-DD
details.occupation	Person occupation	Text
details.avatar	Link to person avatar image	Text
details.primaryAddress	Address object id to use in addesses endpoints	Integer
details.address.countryCode	Address country code in 2 digits. "US" for example	Text
details.address.firstLine	Address first line	Text
details.address.postCode	Address post code	Text
details.address.city	Address city name	Text
details.address.state	Address state code State code. Required if country is US, CA, AU, BR.	Text
details.address.occupation	User occupation. Required for US, CA, JP	Text

1) Example Request: Get Client Credentials Token

curl -X "POST" "https://api.sandbox.transferwise.tech/oauth/token" \
     -H 'Content-Type: application/x-www-form-urlencoded' \
     -u '[your-api-client-id]:[your-api-client-secret]' \
     --data-urlencode "grant_type=client_credentials"

1) Example Response: Get Client Credentials Token

  {
    "access_token":"ba8k1234-00f2-475a-60d8-6g45377b4062",
    "token_type":"bearer",
    "expires_in": 43199,
    "scope":"transfers"
  }

2) Example Request: Create User

curl -X POST https://api.sandbox.transferwise.tech/v1/user/signup/registration_code \
     -H "Authorization: Bearer <your client credentials token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "email": <user email>,
          "registrationCode": <registration code>,
          "language":"PT"
        }'

2) Example Response: Create User (Success (200) user created successfully)

      {
        "id": 12345,
        "name": null,
        "email": "new.user@domain.com",
        "active": true,
        "details": null
      }

2) Example Response: Create User (Failure (409): User already exists)

      {
        "errors": [
          {
            "code": "NOT_UNIQUE",
            "message": "You’re already a member. Please login",
            "path": "email",
            "arguments": [
              "email",
              "class com.transferwise.fx.api.ApiRegisterCommand",
              "existing.user@domain.com"
            ]
          }
        ]
      }

3) Example Request: Get User Tokens

curl \
-u '[your-api-client-id]:[your-api-client-secret]' \
-H 'Content-Type: application/x-www-form-urlencoded' \
-d 'grant_type=registration_code' \
-d 'email=<user email>' \
-d 'client_id=[your-api-client-id]' \
-d 'registration_code=<registration code used to create user>' \
'https://api.sandbox.transferwise.tech/oauth/token'

3) Example Response: Get User Tokens (Success: 200)

    {
      "access_token": "01234567-89ab-cdef-0123-456789abcdef",
      "token_type": "bearer",
      "refresh_token": "01234567-89ab-cdef-0123-456789abcdef",
      "expires_in": 43199,
      "scope": "transfers"
    }

3) Example Response: Get User Tokens (Failure: 401 - User reclaimed the account or invalid registration code used)

    {
      "error": "invalid_grant",
      "error_description": "Invalid user credentials."
    }

This feature is related to Bank Integrations product. It enables onboarding new users to TransferWise via backend API calls only. To get authorization from Transferwise existing users you still need to redirect them to our authorization webpage.

There are 3 steps you need to go through:

Obtain access_token based on your API client credentials.

POST https://api.sandbox.transferwise.tech/oauth/token

Use Basic Authentication with your api-client-id/api-client-secret as username/pwd and also use the header Content-Type: application/x-www-form-urlencoded.

Field	Description	Format
grant_type	"client_credentials"	Text

Field	Description	Format
access_token	Access token to be used when calling "create user" endpoint. Valid for 12 hours.	uuid
token_type	"bearer"	Text
expires_in	Expiry time in seconds	Integer
scope	"transfers"	Text

TransferWise uses email address as unique identifier for users. If email is new (there is no active user already) then new user will be created.

When you are submitting an email which already exists amongst our users then you will get a warning that "You’re already a member. Please login". If user already exists then you need to redirect to Get user authorization webpage.

POST https://api.sandbox.transferwise.tech/v1/user/signup/registration_code

Use access_token obtained in first step as authentication header.

Field	Description	Format
email	New user's email address	Email
registrationCode	Randomly generated registration code that is unique to this user. At least 32 characters long. You need to store registration code to obtain access token on behalf of this newly created user in next step. Please apply the same security standards to handling registration code as if it was a password.	Text, min length is 32 chars
language (Optional)	User default language for UI and email communication. Allowed values EN, US, PT, ES, FR, DE, IT, JA, RU, PL, HU, TR, RO, NL, HK. Default value EN.	Text, 2 chars

Field	Description	Format
id	userId	Integer
name	User full name. Empty.	Text
email	Customer email	Text
active	true	Boolean
details	User details. Empty.	Group

You can now use registration code to obtain user access token and refresh token. This step can be repeated as long as user does not reclaim their TransferWise account. If user has reclaimed the account, then redirect to Get user authorization flow should be used instead.

Refresh user access token works same way for this flow as well.

POST https://api.sandbox.transferwise.tech/oauth/token

Use Basic Authentication with your api-client-id/api-client-secret as username/pwd.

Field	Description	Format
grant_type	"registration_code"	Text
email	New user's email address	Email
client_id	Your api_client_id	Text
registration_code	registrationCode from step 2	Text

Field	Description	Format
access_token	Access token to be used when calling API endpoints on behalf of user. Valid for 12 hours.	uuid
token_type	"bearer"	Text
refresh_token	Refresh token which you need to use in order to request new access_token. The lifetime of refresh tokens is 10 years.	uuid
expires_in	Expiry time in seconds	Integer
scope	"transfers"	Text

User Profiles

Create (Personal)

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "type": "personal",
          "details": {
            "firstName": "Oliver",
            "lastName": "Wilson",
            "dateOfBirth": "1977-07-01",
            "phoneNumber": "+3725064992"
           }
        }'

Example Response (Personal):

{
  "id": <your personal profile id>,
  "type": "personal",
  "details": {
    "firstName": "Oliver",
    "lastName": "Wilson",
    "dateOfBirth": "1977-07-01",
    "phoneNumber": "+3725064992",
    "avatar": "",
    "occupation": "",
    "primaryAddress": null
  }
}

Create personal user profile. Same person cannot have multiple active duplicate user profiles. Thus creating multiple profiles with the same details will fail. Use the access token you received to act on behalf of the user in the Authorization header.

Request

POST https://api.sandbox.transferwise.tech/v1/profiles

Field	Description	Format
type	"personal"	Text
details.firstName	First name	Text
details.lastName	Last name	Text
details.dateOfBirth	Date of birth	YYYY-MM-DD
details.phoneNumber	Phone number	Text

Response

Field	Description	Format
id	profileId	Integer
type	"personal"	Text
details.firstName	First name	Text
details.lastName	Last name	Text
details.dateOfBirth	Date of birth	YYYY-MM-DD
details.phoneNumber	Phone number	Text
details.avatar	Link to person avatar image	Text
details.occupation	Person occupation	Text
details.primaryAddress	Address object id	Integer

Create (Business)

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "type": "business",
          "details": {
            "name": "ABC Logistics Ltd",
            "registrationNumber": "12144939",
            "acn": null,
            "abn": null,
            "arbn": null,
            "companyType": "LIMITED",
            "companyRole": "OWNER",
            "descriptionOfBusiness": "Information and communication",
            "webpage": "https://abc-logistics.com"
           }
        }'

Example Response (Business):

{
  "id": <your business profile id>,
  "type": "business",
  "details": {
     "name": "ABC Logistics Ltd",
     "registrationNumber": "12144939",
     "acn": null,
     "abn": null,
     "arbn": null,
     "companyType": "LIMITED",
     "companyRole": "OWNER",
     "descriptionOfBusiness": "Information and communication",
     "webpage": "https://abc-logistics.com",
     "primaryAddress": null,
     "businessCategory":"CONSULTING_IT_BUSINESS_SERVICES",
     "businessSubCategory":"DESIGN"
   }
}

Create business user profile. You would need to create personal profile first always. Business profile cannot be created without personal profile.

Request (Business)

POST https://api.sandbox.transferwise.tech/v1/profiles

Field	Description	Format
type	"business"	Text
details.name	Business name	Text
details.registrationNumber	Business registration number	Text
details.acn	Australian Company Number (only for AUS businesses)	Text
details.abn	Australian Business Nnumber (only for AUS businesses)	Text
details.arbn	Australian Registered Body Number (only for AUS businesses)	Text
details.companyType	Company legal form. Allowed values: LIMITED PARTNERSHIP SOLE_TRADER LIMITED_BY_GUARANTEE LIMITED_LIABILITY_COMPANY FOR_PROFIT_CORPORATION NON_PROFIT_CORPORATION LIMITED_PARTNERSHIP LIMITED_LIABILITY_PARTNERSHIP GENERAL_PARTNERSHIP SOLE_PROPRIETORSHIP PRIVATE_LIMITED_COMPANY PUBLIC_LIMITED_COMPANY TRUST OTHER	Text
details.companyRole	Role of person. Allowed Values: OWNER DIRECTOR OTHER	Text
details.descriptionOfBusiness	Sector / filed of activity	Text
details.webpage	Business webpage	Text
details.businessCategory	Type of business, see below for permitted values	Text
details.businessSubCategory	Specifc sub category of the business type, see below for permitted values	Text

Business Category

Ensure when submitting a business profile that you submit a category and associated sub-category from the list below. You should map from the information you have about the business to one of our categories and sub-categories. If this is problematic please get in touch with the TransferWise for Banks team to discuss alternate solutions.

The categories and their sub-categories are as follows:

CHARITY_NON_PROFIT

CHARITY_ALL_ACTIVITIES

CONSULTING_IT_BUSINESS_SERVICES

ADVERTISING_AND_MARKETING
ARCHITECTURE
COMPANY_ESTABLISHMENT_FORMATION_SERVICES
DESIGN
FINANCIAL_CONSULTING_ACCOUNTING_TAXATION_AUDITING
IT_DEVELOPMENT
IT_HOSTING_SERVICES
IT_CONSULTING_AND_SERVICES
LEGAL_SERVICES
MANAGEMENT_CONSULTING
SCIENTIFIC_AND_TECHNICAL_CONSULTING
SOFTWARE_AS_A_SERVICE
TRANSLATION_AND_LANGUAGE_SERVICES
CONSULTING_OTHER
SERVICES_OTHER
FREELANCE_PLATFORMS

DESIGN_MARKETING_COMMUNICATIONS

ADVERTISING_AND_MARKETING
ARCHITECTURE
AUDIO_AND_VIDEO
DESIGN
PHOTOGRAPHY
PRINT_AND_ONLINE_MEDIA
TELECOMMUNICATIONS_SERVICES
TRANSLATION_AND_LANGUAGE_SERVICES

MEDIA_COMMUNICATION_ENTERTAINMENT

ADULT_CONTENT
AUDIO_AND_VIDEO
FINE_ARTS
ARTS_OTHER
EVENTS_AND_ENTERTAINMENT
GAMBLING_BETTING_AND_ONLINE_GAMING
NEWSPAPERS_MAGAZINES_AND_BOOKS
PERFORMING_ARTS
PHOTOGRAPHY
TELECOMMUNICATIONS_SERVICES
VIDEO_GAMING

EDUCATION_LEARNING

SCHOOLS_AND_UNIVERSITIES,
TEACHING_AND_TUTORING
ONLINE_LEARNING

FINANCIAL_SERVICES_PRODUCTS_HOLDING_COMPANIES

CROWDFUNDING
CRYPTOCURRENCY_FINANCIAL_SERVICES
FINANCIAL_CONSULTING_ACCOUNTING_TAXATION_AUDITING
HOLDING_COMPANIES
INSURANCE
INVESTMENTS
MONEY_SERVICE_BUSINESSES
FINANCIAL_SERVICES_OTHER

FOOD_BEVERAGES_TOBACCO

ALCOHOL
FOOD_MANUFACTURING_RETAIL
RESTAURANTS_AND_CATERING
SOFT_DRINKS
TOBACCO
VITAMINS_AND_DIETARY_SUPPLEMENTS

HEALTH_PHARMACEUTICALS_PERSONAL_CARE

HEALTH_AND_BEAUTY_PRODUCTS_AND_SERVICES,
DENTAL_SERVICES,
DOCTORS_AND_MEDICAL_SERVICES,
ELDERLY_OR_OTHER_CARE_HOME,
FITNESS_SPORTS_SERVICES,
MEDICAL_EQUIPMENT,
NURSING_AND_OTHER_CARE_SERVICES,
PHARMACEUTICALS,
PHARMACY,
VITAMINS_AND_DIETARY_SUPPLEMENTS

PUBLIC_GOVERNMENT_SERVICES

PUBLIC_ALL_SERVICES

REAL_ESTATE_CONSTRUCTION

ARCHITECTURE
CONSTRUCTION
REAL_ESTATE_DEVELOPMENT
REAL_ESTATE_SALE_PURCHASE_AND_MANAGEMENT

RETAIL_WHOLESALE_MANUFACTURING

AGRICULTURE_SEEDS_PLANTS
FINE_ARTS
ARTS_OTHER
AUTOMOTIVE_SALES_SPARE_PARTS_TRADE
AUTOMOTIVE_MANUFACTURING
CHEMICALS
CLOTHING
ELECTRICAL_PRODUCTS
FIREARMS_WEAPONS_AND_MILITARY_GOODS_SERVICES
HOME_ACCESSORIES_FURNITURE
FINE_JEWELLERY_WATCHES
FASHION_JEWELLERY
LEGAL_HIGHS_AND_RELATED_ACCESSORIES
MACHINERY
PETS
PRECIOUS_STONES_DIAMONDS_AND_METALS
SPORTING_EQUIPMENT
MANUFACTURING_OTHER
RETAIL_WHOLESALE_MARKETPLACE_AUCTION
RETAIL_WHOLESALE_OTHER

TRAVEL_TRANSPORT_TOUR_AGENCIES

ACCOMMODATION_HOTELS
PASSENGER_TRANSPORT
FREIGHT_TRANSPORT
RIDESHARING_TRANSPORT_SHARING_SERVICES
TRANSPORT
TRAVEL_AGENCIES
TOUR_OPERATORS
TRAVEL_OR_TOUR_ACTIVITIES_OTHER

OTHER

OTHER_NOT_LISTED_ABOVE

Response (Business)

Field	Description	Format
id	profileId	Integer
type	"business"	Text
details.name	Business name	Text
details.registrationNumber	Business registration number	Text
details.acn	Australian Company Number (only for AUS businesses)	Text
details.abn	Australian Business Nnumber (only for AUS businesses)	Text
details.arbn	Australian Registered Body Number (only for AUS businesses)	Text
details.companyType	Company legal form	Text
details.companyRole	Role of person	Text
details.descriptionOfBusiness	Sector / filed of activity	Text
details.webpage	Business webpage	Text
details.primaryAddress	Address object id	Integer
details.businessCategory	Type of business	Text
details.businessSubCategory	Specifc sub category of the business type	Text

Update

Example Request:

curl -X PUT https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
          "type": "personal",
          "details": {
            "firstName": "Oliver",
            "lastName": "Wilson",
            "dateOfBirth": "1977-07-01",
            "phoneNumber": "+3725064992"
           }
        }'

Example Response:

{
  "id": <your personal profile id>,
  "type": "personal",
  "details": {
    "firstName": "Oliver",
    "lastName": "Wilson",
    "dateOfBirth": "1977-07-01",
    "phoneNumber": "+3725064992",
    "avatar": "",
    "occupation": "",
    "primaryAddress": null
  }
}

Update user profile information. If user profile has been verified by TransferWise then there are restrictions on what information is allowed to change.

Request

PUT https://api.sandbox.transferwise.tech/v1/profiles

Request and response is same as described in Create (Personal) and Create (Business)

Get By Id

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId} \
     -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": <your personal profile id>,
  "type": "personal",
  "details": {
    "firstName": "Oliver",
    "lastName": "Wilson",
    "dateOfBirth": "1977-07-01",
    "phoneNumber": "+3725064992",
    "avatar": "",
    "occupation": "",
    "primaryAddress": null
  }
}

Get profile info by id.

Request

GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId}

List

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
      "id": <your personal profile id>,
      "type": "personal",
      "details": {
        "firstName": "Oliver",
        "lastName": "Wilson",
        "dateOfBirth": "1977-07-01",
        "phoneNumber": "+3725064992",
        "avatar": "",
        "occupation": "",
        "primaryAddress": null
      }
    },
    {
      "id": <your business profile id>,
      "type": "business",
      "details": {
        "name": "ABC Logistics Ltd",
        "registrationNumber": "12144939",
        "acn": null,
        "abn": null,
        "arbn": null,
        "companyType": "LIMITED",
        "companyRole": "OWNER",
        "descriptionOfBusiness": "CHARITY_AND_NOT_FOR_PROFIT",
        "webpage": "https://abc-logistics.com",
        "primaryAddress": null,
        "businessCategory": "CHARITY_AND_NOT_FOR_PROFIT",
        "businessSubCategory": "CHARITY_ALL_ACTIVITIES"
       }
    }

]

List of all profiles belonging to user.

Request

GET https://api.sandbox.transferwise.tech/v1/profiles

Create Identification Document

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/verification-documents \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '{ 
            "firstName": "Oliver",
            "lastName": "Wilson",
            "type": "IDENTITY_CARD",
            "uniqueIdentifier": "AA299822313",
            "issueDate": "2017-12-31",
            "issuerCountry": "EE",
            "issuerState": "",
            "expiryDate": "2027-12-31"
        }'

Example Response:

{
  "errorMessage": null,
  "success": true  
}

Add identification document details to user profile. Applicable to personal profiles (not business) only.
Returns empty result if successful.

When sending a social security number (SSN) only type and uniqueIdentifier (only 9 digits no letters or symbols) are required.

Request (Business)

POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/verification-documents

Field	Description	Format
firstName	Person first name in document	Text
lastName	Person last name in document	Text
type	Document type. Allowed Values: DRIVERS_LICENCE IDENTITY_CARD GREEN_CARD MY_NUMBER PASSPORT SSN OTHER	Text
uniqueIdentifier	Document number. Only digits when SSN.	Text
issueDate	Document issue date	YYYY-MM-DD
issuerCountry	Issued by country code. For example "US"	Text
issuerState	Issued by state code. For example "NY"	Text
expiryDate	Document expiry date. (optional)	YYYY-MM-DD

Get business directors

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "id": 10,
    "firstName": "John",
    "lastName": "Doe",
    "dateOfBirth": "1982-05-20",
    "countryOfResidenceIso3Code": "usa"
  },
  {
    "id": 11,
    "firstName": "Jane",
    "lastName": "Doe",
    "dateOfBirth": "1981-12-07",
    "countryOfResidenceIso3Code": "usa"
  }
]

Returns the list of all directors associated with the business profile.

Request (Business)

GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors

Add business directors

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '[
             {
                 "firstName": "John",
                 "lastName": "Doe",
                 "dateOfBirth": "1982-05-20",
                 "countryOfResidenceIso3Code": "usa"
             },
             {
                 "firstName": "Jane",
                 "lastName": "Doe",
                 "dateOfBirth": "1981-12-07",
                 "countryOfResidenceIso3Code": "usa"
             }
        ]'

Example Response:

[
    {
        "id": 10,
        "firstName": "John",
        "lastName": "Doe",
        "dateOfBirth": "1982-05-20",
        "countryOfResidenceIso3Code": "usa"
    },
    {
        "id": 11,
        "firstName": "Jane",
        "lastName": "Doe",
        "dateOfBirth": "1981-12-07",
        "countryOfResidenceIso3Code": "usa"
    },
    {
        "id": 7,
        "firstName": "Oliver",
        "lastName": "Wilson",
        "dateOfBirth": "2017-12-31",
        "countryOfResidenceIso3Code": "gbr"
    }
]

Adds new directors to the business profile. Returns the list of all directors associated with the business profile.

Request (Business)

POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors

Field	Description	Format
firstName	Director first name	Text
lastName	Director last name	Text
dateOfBirth	Date of birth	YYYY-MM-DD
countryOfResidenceIso3Code	3 character country code	Text

Update business directors

Example Request:

curl -X PUT https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '[
             {
                 "firstName": "John",
                 "lastName": "Doe",
                 "dateOfBirth": "1982-05-20",
                 "countryOfResidenceIso3Code": "usa"
             },
             {
                 "firstName": "Jane",
                 "lastName": "Doe",
                 "dateOfBirth": "1981-12-07",
                 "countryOfResidenceIso3Code": "usa"
             }
        ]'

Example Response:

[
    {
        "id": 14,
        "firstName": "John",
        "lastName": "Doe",
        "dateOfBirth": "1982-05-20",
        "countryOfResidenceIso3Code": "usa"
    },
    {
        "id": 15,
        "firstName": "Jane",
        "lastName": "Doe",
        "dateOfBirth": "1981-12-07",
        "countryOfResidenceIso3Code": "usa"
    }
]

Overrides directors in the business profile. Returns the list of all directors associated with the business profile.

Request (Business)

PUT https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/directors

Field	Description	Format
firstName	Director first name	Text
lastName	Director last name	Text
dateOfBirth	Date of birth	YYYY-MM-DD
countryOfResidenceIso3Code	3 character country code	Text

Get business ultimate beneficial owners

Example Request:

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos \
     -H "Authorization: Bearer <your api token>"

Example Response:

[
    {
        "id": "013ab1c2688d0185b582ee7e0bcb28b2",
        "name": "John Doe",
        "dateOfBirth": "1982-05-20",
        "countryOfResidenceIso3Code": "usa",
        "addressFirstLine": "123 Fake St",
        "postCode": "FK 12345",
        "ownershipPercentage": 30
    },
    {
        "id": "912ce3f31c8b3a10572137e78417caa3",
        "name": "Jane Doe",
        "dateOfBirth": "1981-12-07",
        "countryOfResidenceIso3Code": "usa",
        "addressFirstLine": "125 Fake St",
        "postCode": "FK 12545",
        "ownershipPercentage": 70
    }
]

Returns the list of all ultimate beneficial owners associated with the business profile.

Request (Business)

GET https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos

Add business ultimate beneficial owners

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '[
             {
                 "name": "John Doe",
                 "dateOfBirth": "1982-05-20",
                 "countryOfResidenceIso3Code": "usa",
                 "addressFirstLine": "123 Fake St",
                 "postCode": "FK 12345",
                 "ownershipPercentage": 30
             },
             {
                 "name": "Jane Doe",
                 "dateOfBirth": "1981-12-07",
                 "countryOfResidenceIso3Code": "usa",
                 "addressFirstLine": "125 Fake St",
                 "postCode": "FK 12545",
                 "ownershipPercentage": 40
             }
        ]'

Example Response:

[
     {
         "id": "f3e71aa1c97448d0b1eb5bdc0bacdcce",
         "name": "John Doe",
         "dateOfBirth": "1982-05-20",
         "countryOfResidenceIso3Code": "usa",
         "addressFirstLine": "123 Fake St",
         "postCode": "FK 12345",
         "ownershipPercentage": 30
     },
     {
         "id": "c6008d58a1664413b4c4dcacec1377f4",
         "name": "Jane Doe",
         "dateOfBirth": "1981-12-07",
         "countryOfResidenceIso3Code": "usa",
         "addressFirstLine": "125 Fake St",
         "postCode": "FK 12545",
         "ownershipPercentage": 40
     },
     {
         "id": "63bbdd1cf5ec4dd587597e74dbace376",
         "name": "Oliver Wilson",
         "dateOfBirth": "2017-12-31",
         "countryOfResidenceIso3Code": "gbr",
         "addressFirstLine": "222 Fake St",
         "postCode": "FK 22222",
         "ownershipPercentage": 30
     }
]

Adds new ultimate beneficial owners to the business profile. Returns the list of all ultimate beneficial owners associated with the business profile.

Request (Business)

POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos

Field	Description	Format
name	Owner full name	Text
dateOfBirth	Date of birth	YYYY-MM-DD
countryOfResidenceIso3Code	3 character country code	Text
addressFirstLine	First line of address	Text
postCode	Address post code	Text
ownershipPercentage	Percentage of ownership	Integer

Update business ultimate beneficial owners

Example Request:

curl -X PUT https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos \
     -H "Authorization: Bearer <your api token>" \
     -H "Content-Type: application/json" \
     -d '[
             {
                 "name": "John Doe",
                 "dateOfBirth": "1982-05-20",
                 "countryOfResidenceIso3Code": "usa",
                 "addressFirstLine": "123 Fake St",
                 "postCode": "FK 12345",
                 "ownershipPercentage": 30
             },
             {
                 "name": "Jane Doe",
                 "dateOfBirth": "1981-12-07",
                 "countryOfResidenceIso3Code": "usa",
                 "addressFirstLine": "125 Fake St",
                 "postCode": "FK 12545",
                 "ownershipPercentage": 70
             }
        ]'

Example Response:

[
     {
         "id": "ff01cf3f206b40c090a14a1e51163e9e",
         "name": "John Doe",
         "dateOfBirth": "1982-05-20",
         "countryOfResidenceIso3Code": "usa",
         "addressFirstLine": "123 Fake St",
         "postCode": "FK 12545",
         "ownershipPercentage": 30
     },
     {
         "id": "c36b687d28ad44ad8c3864411f5f2612",
         "name": "Jane Doe",
         "dateOfBirth": "1981-12-07",
         "countryOfResidenceIso3Code": "usa",
         "addressFirstLine": "125 Fake St",
         "postCode": "FK 12545",
         "ownershipPercentage": 70
     }
]

Overrides ultimate beneficial owners in the business profile. Returns the list of all ultimate beneficial owners associated with the business profile.

Request (Business)

PUT https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/ubos

Field	Description	Format
name	Owner full name	Text
dateOfBirth	Date of birth	YYYY-MM-DD
countryOfResidenceIso3Code	3 character country code	Text
addressFirstLine	First line of address	Text
postCode	Address post code	Text
ownershipPercentage	Percentage of ownership	Integer

Open update window

Example Request:

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/update-window \
     -H "Authorization: Bearer <your api token>"

Example Response:

Opens the update window for updating the profile information: details, addresses, directors, owners, others.

Request

POST https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/update-window

Close update window

Example Request:

curl -X DELETE https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/update-window \
     -H "Authorization: Bearer <your api token>"

Example Response:

Deletes the update window for updating the profile.

Request

DELETE https://api.sandbox.transferwise.tech/v1/profiles/{profileId}/update-window

Language Support

Internationalisation support for translation of strings returned by the API is supported for the following endpoints:

Endpoint
`/v1/quotes`
`/v1/quotes/<quoteId>/account-requirements`
`/v1/accounts`
`/v1/transfers`

When calling these endpoints if you include an Accept-Language header with a supported language code as the value then strings will be returned in the requested language. The languages supported by TransferWise are:

Language	Code
American English	en_US
British English	en
Dutch	nl
French	fr
German	de
Hungarian	hu
Italian	it
Japanese	ja
Korean	ko
Polish	pl
Portuguese	pt
Romanian	ro
Russian	ru
Spanish	es

If you request an unsupported language then British English will be returned by default.

Application Webhooks

Application webhook subscription is a mechanism that will allow you to receive notifications to your servers whenever various events happen in relation to different resources created by an application.

Before proceeding, make sure the endpoint where you intend to receive webhooks satisfies the following requirements:

Has a valid domain name (IP addresses are disallowed)
Listens to HTTPS requests on port 443
Has a valid HTTPS certificate signed by a trusted Certificate Authority - CA (self-signed or expired certificates are not accepted)
Does not include any query arguments in the URL

https://webhooks.example.com/balance-change is a valid URL; http://webhooks.example.com:8080/hook.php?type=balance is not.

You can have multiple subscriptions per event type though be mindful you will receive duplicate callbacks, one for each subscription. Find out more about webhook events here.

Client token

Request

POST https://api.sandbox.transferwise.tech/oauth/token

Use Basic Authentication with your api-client-id/api-client-secret as username/pwd and also use the header Content-Type: application/x-www-form-urlencoded.

Field	Description	Format
grant_type	"client_credentials"	Text

Response

Field	Description	Format
access_token	Access token to be used when creating an application subscription. Valid for 12 hours.	uuid
token_type	"bearer"	Text
expires_in	Expiry time in seconds	Integer
scope		Text

Create

Example Request:

curl -X POST "https://api.transferwise.com/v3/applications/{clientKey}/subscriptions" \
  -H "Authorization: Bearer <your client level token>" \
  -H "Content-Type: application/json" \
  -d '{
       "name": "Webhook Subscription #1",
       "trigger_on": "transfers#state-change",
       "delivery": {
         "version": "2.0.0",
         "url": "https://your.webhook.url/12345"
         }
      }'

Example Response:

{
    "id": "72195556-e5cb-495e-a010-b37a4f2a3043", 
    "name": "Webhook Subscription #1",
    "delivery": {
        "version": "2.0.0",
        "url": "https://your.webhook.url/12345" 
    },
    "trigger_on": "transfers#state-change", 
    "scope": {
        "domain": "application", 
        "id": "<your client key>"
    },
    "created_by": {
        "type": "application",
        "id": "<your client ID>"  // clientId and key are not always the same
    },
    "created_at": "2019-10-10T13:55:57Z"
}

Request

POST https://api.transferwise.com/v3/applications/{clientKey}/subscriptions

{clientKey} can be received upon obtaining client credentials from our tech support.

All fields listed below are required for creating a webhook subscription.

Field	Description	Format
name	A custom name for your webhook to ease with identification	Text
trigger_on	Choose from a list of available events	Text
delivery.version	The event representation semantic version	Text
delivery.url	Required. The URL where your server will be listening for events.	Text

Response

Field	Description	Format
id	UUID that uniquely identifies the subscription	Text
name	A custom name for your webhook to ease with identification	Text
trigger_on	`transfers#state-change`, `transfers#active-cases` or `balances#credit`	Text
delivery.version	The event representation semantic version	Text
delivery.url	The URL where your server will be listening for events.	Text
scope.domain	Scope of this subscription, always "application" in this case	Text
scope.id	Client key used to create this subscription	Text
created_by.type	Creator type. Always application in this case	Text
created_by.id	Client ID of the creator. Not always the same as the client key	Text
created_at	Timestamp of when the subscription was created	Text

Delete

Deletes a subscription by its identifier.

Example Request:

curl -X DELETE "https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{id}" \
  -H "Authorization: Bearer <your client level token>"

Example Response:

Request

DELETE https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{id}

Get by ID

Retrieves a subscription by its identifier.

Example Request:

curl -X GET "https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{id}" \
  -H "Authorization: Bearer <your client level token>"

Example Response:

{
    "id": "f215f353-35fd-405b-b27f-4fd603c905ed", 
    "name": "Webhook Subscription #1",
    "delivery": {
        "version": "2.0.0",
        "url": "https://your.webhook.url/12345" 
    },
    "trigger_on": "balances#credit", 
    "scope": {
        "domain": "application", 
        "id": "<your client key>"
    },
    "created_by": {
        "type": "application",
        "id": "<your client ID>"  // clientId and key are not always the same
    },
    "created_at": "2008-09-15T15:53:00Z"
}

Request

GET https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{id}

Test notifications

Test notifications can be generated for existing application subscriptions using the API.

Test notifications will have the correct structure for their source subscription's event type and version, and will contain "dummy" data. These data include random UUIDs, entity IDs of zero, current dates and times, and hard-coded status codes.

Test notifications are delivered with the usual notification HTTP request headers, including a unique delivery ID for the notification, and a "test notification" flag set to true. You can check for the presence of this test flag to determine that an incoming notification is a test notification which should not be processed as real data. See the section Event HTTP requests for more information on request headers.

When test notifications are created with the API, they are queued for sending in the same way as non-test notifications. This means that there may be some delay in notification delivery, and delivery failures will result in attempts to redeliver the notification later. The API returns the delivery IDs of the notifications that have been successfully queued for sending, which can be correlated with the delivery ID header values for notifications you later receive.

Example Request:

curl -X POST "https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{subscriptionId}/test-notifications" \
  -H "Authorization: Bearer <your client level token>"

Example Response:

[
  {
    "delivery_id": "4a6b9810-4279-4de5-8d8d-1a6cf3b92a75",
    "created_at": "2019-03-28T11:22:33Z"
  }
]

Example Test Notification:

x-signature: bnho0q9JhjR6IPJIOZqWVP...
x-delivery-id: 4a6b9810-4279-4de5-8d8d-1a6cf3b92a75
x-test-notification: true

{
  "data": {
    "resource": {
      "id": 0,
      "profile_id": 0,
      "account_id": 0,
      "type": "transfer"
    },
    "current_state": "processing",
    "previous_state": "incoming_payment_waiting",
    "occurred_at": "2019-03-28T11:22:33Z"
  },
  "subscription_id": "39f241b7-293d-439e-beb3-4bf947bd4ff8",
  "event_type": "transfers#state-change",
  "schema_version": "2.0.0",
  "sent_at": "2019-03-28T11:22:33Z"
}

Request

POST https://api.transferwise.com/v3/applications/{clientKey}/subscriptions/{subscriptionId}/test-notifications

Response

List of test notifications that were scheduled for delivery.

Field	Description	Format
delivery_id	UUID that uniquely identifies the notification	Text
created_at	Time the notification was created	Text

List

List all your subscriptions.

Example Request:

curl -X GET "https://api.transferwise.com/v3/applications/{clientKey}/subscriptions" \
  -H "Authorization: Bearer <your client level token>"

Example Response:

[
  {
    "id": "e889e085-3677-4110-be26-3e9160ac9f25",
    "name": "#1 subscription",
    "delivery": {
      "version": "2.0.0",
      "url": "https://your.webhook.url/12345"
    },
    "trigger_on": "transfers#state-change",
    "created_by": {
      "type": "application",
      "id": "<your client ID>"
    },
    "scope": {
      "domain": "application",
      "id": "<your client key>"
    }
  },
  {
    "id": "eabeb3f5-c134-4a1c-99e2-86a1163daf1b",
    "name": "#2 subscription",
    "delivery": {
      "version": "2.0.0",
      "url": "https://your.webhook.url/12345"
    },
    "trigger_on": "transfers#state-change",
    "created_by": {
      "type": "application",
      "id": "<your client ID>"
    },
    "scope": {
      "domain": "application",
      "id": "<your client key>"
    }
  }
]

Request

GET https://api.transferwise.com/v3/applications/{clientKey}/subscriptions

Profile Webhooks

Profile webhook subscription is a mechanism that will allow you to receive notifications to your servers whenever various events happen in relation to different resources created under a specific profile.

Before proceeding, make sure the endpoint where you intend to receive webhooks satisfies the following requirements:

Has a valid domain name (IPs are disallowed)
Listens to HTTPS requests on port 443
Has a valid HTTPS certificate signed by a trusted Certificate Authority - CA (self-signed or expired certificates are not accepted)
Does not include any query arguments in the URL

https://webhooks.example.com/balance-change is a valid URL; http://webhooks.example.com:8080/hook.php?type=balance is not.

You can have multiple subscriptions per event type though be mindful you will receive duplicate callbacks, one for each subscription. Find out more about webhook events here.

If you will be dealing with multiple profiles in your integration, check out application webhooks. You will have to subscribe only once and you will receive updates concerning all resources that were created in your application.

There are two ways you can manage profile webhooks:

via API (read more below)
via user interface (go to your settings page)

Create

Create a profile subscription.

URL validation

Our system will validate the requested delivery URL before creating a subscription.

A test notification will be sent to the URL and if a 2xx-series HTTP response is not received then the creation request will be rejected with error code INVALID_CALLBACK_URL.

Your notification endpoint must be ready to respond to the test notification. Test notifications can be distinguished by the presence of an HTTP request header. See the section Event HTTP requests for more information on request headers.

Example Request:

curl -X POST "https://api.transferwise.com/v3/profiles/{profileId}/subscriptions" \
  -H "Authorization: Bearer <your user token>" \
  -H "Content-Type: application/json" \
  -d '{
       "name": "Webhook Subscription #1",
       "trigger_on": "transfers#state-change",
       "delivery": {
         "version": "2.0.0",
         "url": "https://your.webhook.url/12345"
         }
      }'

Example Response:

{
    "id": "72195556-e5cb-495e-a010-b37a4f2a3043", 
    "name": "Webhook Subscription #1",
    "delivery": {
        "version": "2.0.0",
        "url": "https://your.webhook.url/12345" 
    },
    "trigger_on": "transfers#state-change", 
    "scope": {
        "domain": "profile", 
        "id": "<profile ID>"
    },
    "created_by": {
        "type": "user",
        "id": "<your user ID>"
    },
    "created_at": "2008-09-15T15:53:00Z"
}

Request

POST https://api.transferwise.com/v3/profiles/{profileId}/subscriptions

profileId - ID of the profile you are subscribing to.

All fields listed below are required for creating a webhook subscription.

Field	Description	Format
name	A custom name for your webhook to ease with identification	Text
trigger_on	Choose from a list of available events	Text
delivery.version	The event representation semantic	Text
delivery.url	Required. The URL where your server will be listening for events.	Text

Response

Field	Description	Format
id	UUID that uniquely identifies the subscription	Text
name	A custom name for your webhook to ease with identification	Text
trigger_on	`transfers#state-change`, `transfers#active-cases` or `balances#credit`	Text
delivery.version	The event representation semantic	Text
delivery.url	Required. The URL where your server will be listening for events.	Text
scope.domain	Scope of this subscription, always "profile" in this case	Text
scope.id	Profile ID used to create this subscription	Text
created_by.type	Creator type. Always user in this case	Text
created_by.id	User id of the creator	Text
created_at	Timestamp of when the subscription was created	Text

Delete

Deletes a subscription by its identifier.

Example Request:

curl -X DELETE "https://api.transferwise.com/v3/profiles/{profileId}/subscriptions/{id}" \
  -H "Authorization: Bearer <your user token>"

Example Response:

Request

DELETE https://api.transferwise.com/v3/profiles/{profileId}/subscriptions/{id}

Get by ID

Retrieves a subscription by its identifier.

Example Request:

curl -X GET "https://api.transferwise.com/v3/profiles/{profileId}/subscriptions/{id}" \
  -H "Authorization: Bearer <your user token>"

Example Response:

{
    "id": "f215f353-35fd-405b-b27f-4fd603c905ed", 
    "name": "Webhook Subscription #1",
    "delivery": {
        "version": "2.0.0",
        "url": "https://your.webhook.url/12345" 
    },
    "trigger_on": "balances#credit", 
    "scope": {
        "domain": "profile", 
        "id": "<profile ID>"
    },
    "created_by": {
        "type": "user",
        "id": "<your user ID>"
    },
    "created_at": "2008-09-15T15:53:00Z"
}

Request

GET https://api.transferwise.com/v3/profiles/{profileId}/subscriptions/{id}

List

List all your subscriptions

Example Request:

curl -X GET "https://api.transferwise.com/v3/profiles/{profileId}/subscriptions" \
  -H "Authorization: Bearer <your user token>"

Example Response:

[
  {
    "id": "e889e085-3677-4110-be26-3e9160ac9f25",
    "name": "#1 subscription",
    "delivery": {
      "version": "2.0.0",
      "url": "https://your.webhook.url/12345"
    },
    "trigger_on": "transfers#state-change",
    "created_by": {
      "type": "user",
      "id": "<your user ID>"
    },
    "scope": {
      "domain": "profile",
      "id": "<profile ID>"
    }
  },
  {
    "id": "eabeb3f5-c134-4a1c-99e2-86a1163daf1b",
    "name": "#2 subscription",
    "delivery": {
      "version": "2.0.0",
      "url": "https://your.webhook.url/12345"
    },
    "trigger_on": "transfers#state-change",
    "created_by": {
      "type": "user",
      "id": "<your user ID>"
    },
    "scope": {
      "domain": "profile",
      "id": "<profile ID>"
    }
  }
]

Request

GET https://api.transferwise.com/v3/profiles/{profileId}/subscriptions

Webhook events

Events are messages that will be sent to your server as HTTP POST requests if you create a webhook subscription for the type of event and a relevant resource you have access to is updated. Events will not contain any personally identifiable information.

For example, an event may describe a change in the status of a transfer you have made.

To acknowledge that you have successfully processed an event, make sure your server answers with a 2xx-series HTTP status code within 5 seconds. Otherwise, we will consider the delivery attempt as having failed and will later try to resend the message.

We will attempt to redeliver messages at increasing intervals over a two week period. We will try at most 25 times to do this.

Event HTTP requests

Event HTTP request bodies have a type-specific structure. Events using version 2 of our type schema will contain a common base structure with additional event-specific details. Each event type is described in detail later in this section.

Event HTTP requests also contain the following custom headers:

Signature header `X-Signature`

TransferWise public key for production environment:

MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAvO8vXV+JksBzZAY6GhSO
XdoTCfhXaaiZ+qAbtaDBiu2AGkGVpmEygFmWP4Li9m5+Ni85BhVvZOodM9epgW3F
bA5Q1SexvAF1PPjX4JpMstak/QhAgl1qMSqEevL8cmUeTgcMuVWCJmlge9h7B1CS
D4rtlimGZozG39rUBDg6Qt2K+P4wBfLblL0k4C4YUdLnpGYEDIth+i8XsRpFlogx
CAFyH9+knYsDbR43UJ9shtc42Ybd40Afihj8KnYKXzchyQ42aC8aZ/h5hyZ28yVy
Oj3Vos0VdBIs/gAyJ/4yyQFCXYte64I7ssrlbGRaco4nKF3HmaNhxwyKyJafz19e
HwIDAQAB

TransferWise public key for sandbox environment:

MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAwpb91cEYuyJNQepZAVfP
ZIlPZfNUefH+n6w9SW3fykqKu938cR7WadQv87oF2VuT+fDt7kqeRziTmPSUhqPU
ys/V2Q1rlfJuXbE+Gga37t7zwd0egQ+KyOEHQOpcTwKmtZ81ieGHynAQzsn1We3j
wt760MsCPJ7GMT141ByQM+yW1Bx+4SG3IGjXWyqOWrcXsxAvIXkpUD/jK/L958Cg
nZEgz0BSEh0QxYLITnW1lLokSx/dTianWPFEhMC9BgijempgNXHNfcVirg1lPSyg
z7KqoKUN0oHqWLr2U1A+7kqrl6O2nx3CKs1bj1hToT1+p4kcMoHXA7kA+VBLUpEs
VwIDAQAB

How to verify signatures (in Java):

public boolean verifySignature(String encodedPublicKey, String signature, String payload) {
  X509EncodedKeySpec publicKeySpec = new X509EncodedKeySpec(Base64.getMimeDecoder().decode(encodedPublicKey));
  KeyFactory keyFactory = KeyFactory.getInstance("RSA");
  PublicKey publicKey = keyFactory.generatePublic(publicKeySpec);

  Signature sign = Signature.getInstance("SHA1WithRSA");
  sign.initVerify(publicKey);
  sign.update(payload.getBytes());

  byte[] signatureBytes = Base64.getDecoder().decode(signature);

  return sign.verify(signatureBytes);
}

Each outgoing webhook request is signed. Although event payloads do not contain any sensitive information, you may want to verify if the request is coming from TransferWise (however this is optional). We advise you not to process any requests where signature appears to be forged.

Each POST request includes the X-Signature header, which contains the message-specific signature.

Delivery ID header `X-Delivery-Id`

Each outgoing notification is assigned a unique delivery UUID.

Test notification header `X-Test-Notification`

This header is present with the value true if the notification is a test message.

Test messages can be sent to verify callback URLs when subscriptions are being set up.

Event payload

All event notification payloads have the same high-level structure. Top-level properties are common to all events. The data property is an object that can contain various properties. The exact properties that the data object contains depends on the event type and schema version of the event.

Basic event payload:

{
  "data": {},
  "subscription_id": "01234567-89ab-cdef-0123-456789abcdef",
  "event_type": "event#type",
  "schema_version": "2.0.0",
  "sent_at": "2020-01-01T12:34:56Z"
}

Common properties

Field	Description	Format
data	Event type- and schema version-specific details	Object
subscription_id	ID of the webhook subscription that triggered the event notification	UUID
event_type	Event type (what event happened in our system)	String
schema_version	Schema version (what notification structure is being used to model the event)	String
sent_at	When the event notification was sent from our system	Datetime

Transfer status change event

Event type: transfers#state-change

This event will be triggered every time a transfer's status is updated. Each event contains a timestamp. As we do not guarantee the order of events, please use data.occurred_at to reconcile the order.

If you would like to subscribe to transfer state change events, please use transfers#state-change when creating your subscription.

Example v2.0.0 transfers#state-change event:

{
  "data": {
    "resource": {
      "type": "transfer",
      "id": 111,
      "profile_id": 222,
      "account_id": 333
    },
    "current_state": "processing",
    "previous_state": "incoming_payment_waiting",
    "occurred_at": "2020-01-01T12:34:56Z"
  },
  "subscription_id": "01234567-89ab-cdef-0123-456789abcdef",
  "event_type": "transfers#state-change",
  "schema_version": "2.0.0",
  "sent_at": "2020-01-01T12:34:56Z"
}

Schema version `2.0.0` (latest)

Field	Description	Format
data.resource.type	Transfer resource type (always `transfer`)	String
data.resource.id	ID of the transfer	Integer
data.resource.profile_id	ID of the profile that owns the transfer	Integer
data.resource.account_id	ID of transfer's recipient account	Integer
data.current_state	Current transfer state (see transfer statuses)	String
data.previous_state	Previous transfer state (see transfer statuses)	String
data.occurred_at	When the state change occurred	Datetime

Transfer active cases event

Event type: transfers#active-cases

This event will be triggered every time a transfer's list of active cases is updated. Active cases indicate potential problems with transfer processing.

If you would like to subscribe to transfer active cases events, please use transfers#active-cases when creating your subscription.

Example v2.0.0 transfers#active-cases event:

{
  "data": {
    "resource": {
      "type": "transfer",
      "id": 111,
      "profile_id": 222,
      "account_id": 333
    },
    "active_cases": ["deposit_amount_less_invoice"]
  },
  "subscription_id": "01234567-89ab-cdef-0123-456789abcdef",
  "event_type": "transfers#active-cases",
  "schema_version": "2.0.0",
  "sent_at": "2020-01-01T12:34:56Z"
}

Schema version `2.0.0` (latest)

Field	Description	Format
data.resource.type	Transfer resource type (always `transfer`)	String
data.resource.id	ID of the transfer	Integer
data.resource.profile_id	ID of the profile that owns the transfer	Integer
data.resource.account_id	ID of transfer's recipient account	Integer
data.active_cases	Ongoing issues related to the transfer	List of strings

Balance credit event

Event type: balances#credit

This event will be triggered every time a balance account is credited.

If you would like to subscribe to balance credit events, please use balances#credit when creating your subscription.

Please note: This event is not currently delivered to application subscriptions.

Example v2.0.0 balances#credit event:

{
  "data": {
    "resource": {
      "type": "balance-account",
      "id": 111,
      "profile_id": 222
    },
    "transaction_type": "credit",
    "amount": 1.23,
    "currency": "EUR",
    "post_transaction_balance_amount": 2.34,
    "occurred_at": "2020-01-01T12:34:56Z"
  },
  "subscription_id": "01234567-89ab-cdef-0123-456789abcdef",
  "event_type": "balances#credit",
  "schema_version": "2.0.0",
  "sent_at": "2020-01-01T12:34:56Z"
}

Schema version 2.0.0 (latest)

Field	Description	Format
data.resource.type	Balance account resource type (always `balance-account`)	String
data.resource.id	ID of the balance account	Integer
data.resource.profile_id	ID of the profile that owns the balance account	Integer
data.transaction_type	Always `credit`	String
data.amount	Deposited amount	Decimal
data.currency	Currency code	String
data.post_transaction_balance_amount	Balance amount after the credit was applied	Decimal
data.occurred_at	When the balance credit occurred	Datetime

Webhooks version 1 (deprecated)

You can use profile webhooks or application webhooks instead.

List

Example Request:

curl -X GET https://api.transferwise.com/v1/subscriptions?channelId=webhook \
  -H "Authorization: Bearer <your api token>"

Example Response:

[
  {
    "id": "abcde123-abcd-abcd-abcd-abcde1234567",
    "name": "Webhook Subscription #1",
    "channel_id": "WEBHOOK",
    "user_id": "TW::<your user ID>",
    "status": "ENABLED",
    "created_on": "2019-03-10T09:32:15.663Z",
    "url": "<URL of your server>",
    "profile_id": <ID of the profile you want to receive notifications from>,
    "enabled_notifications": [
      "balance"
    ]
  },
  {
    "id": "abcde123-abcd-abcd-abcd-abcde1234568",
    "name": "Webhook Subscription #2",
    "channel_id": "WEBHOOK",
    "user_id": "TW::<your user ID>",
    "status": "ENABLED",
    "created_on": "2019-03-11T09:32:15.663Z",
    "url": "<URL of your server>",
    "profile_id": <ID of the profile you want to receive notifications from>,
    "enabled_notifications": [
      "transfers"
    ]
  }
]

List all created webhook subscriptions.

Response

Field	Description	Format
id	Subscription ID	UUID
name	Custom name of your webhook	String
channel_id	ID of the channel through which you're receiving notifications, always equal to `WEBHOOK`	String
user_id	Your user ID	Integer
status	Status of the subscription	String
created_on	Timestamp when subscription was created	Timestamp
url	URL of your server	String
profile_id	ID of the profile you want to receive notifications from	Integer
enabled_notifications	List of resources you would like to receive notifications about	[String]

Get by ID

Example Request:

curl -X GET https://api.transferwise.com/v1/subscriptions/{subscriptionId}/ \
  -H "Authorization: Bearer <your api token>"

Example Response:

{
  "id": "abcde123-abcd-abcd-abcd-abcde1234567",
  "name": "Webhook Subscription #1",
  "channel_id": "WEBHOOK",
  "user_id": "TW::<your user ID>",
  "status": "ENABLED",
  "created_on": "2019-03-10T09:32:15.663Z",
  "url": "<URL of your server>",
  "profile_id": <ID of the profile you want to receive notifications from>,
  "enabled_notifications": [
    "balance",
    "transfers"
  ]
}

Get subscription information by ID.

Response

Field	Description	Format
id	Subscription ID	UUID
name	Custom name of your webhook	String
channel_id	ID of the channel through which you're receiving notifications, always equal to `WEBHOOK`	String
user_id	Your user ID	Integer
status	Status of the subscription	String
created_on	Timestamp when subscription was created	Date
url	URL of your server	String
profile_id	ID of the profile you want to receive notifications from	Integer
enabled_notifications	List of resources you would like to receive notifications about	[String]

Delete

Example Request:

curl -X DELETE https://api.transferwise.com/v1/subscriptions/{subscriptionId}/ \
  -H "Authorization: Bearer <your api token>"

Example Response:

{
}

Delete a subscription.

Events

Events are messages that will be sent to your server as HTTP POST requests. They will not contain any personally identifiable information.

We will attempt to redeliver messages at increasing intervals over a two week period. We will try at most 25 times to do this.

Signature header

TransferWise public key for production environment:

MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAvO8vXV+JksBzZAY6GhSO
XdoTCfhXaaiZ+qAbtaDBiu2AGkGVpmEygFmWP4Li9m5+Ni85BhVvZOodM9epgW3F
bA5Q1SexvAF1PPjX4JpMstak/QhAgl1qMSqEevL8cmUeTgcMuVWCJmlge9h7B1CS
D4rtlimGZozG39rUBDg6Qt2K+P4wBfLblL0k4C4YUdLnpGYEDIth+i8XsRpFlogx
CAFyH9+knYsDbR43UJ9shtc42Ybd40Afihj8KnYKXzchyQ42aC8aZ/h5hyZ28yVy
Oj3Vos0VdBIs/gAyJ/4yyQFCXYte64I7ssrlbGRaco4nKF3HmaNhxwyKyJafz19e
HwIDAQAB

How to verify signatures (in Java):

public boolean verifySignature(String encodedPublicKey, String signature, String payload) {
  X509EncodedKeySpec publicKeySpec = new X509EncodedKeySpec(Base64.getMimeDecoder().decode(encodedPublicKey));
  KeyFactory keyFactory = KeyFactory.getInstance("RSA");
  PublicKey publicKey = keyFactory.generatePublic(publicKeySpec);

  Signature sign = Signature.getInstance("SHA1WithRSA");
  sign.initVerify(publicKey);
  sign.update(payload.getBytes());

  byte[] signatureBytes = Base64.getDecoder().decode(signature);

  return sign.verify(signatureBytes);
}

Each outgoing webhook request is signed. Whilst event payloads do not contain any sensitive information, you may want to verify if the request is coming from TransferWise (however this is optional). We advise you not to process any requests where signature appears to be forged.

Each POST request includes X-Signature header, which contains a signature.

Test event

Example Request:

curl -X POST https://api.transferwise.com/v1/webhooks/ping \
  -H "Authorization: Bearer <your api token>" \
  -H "Content-Type: application/json" \
  -d '{
       "callback_url": "<URL of your server>"
      }'

Example Response:

{
  "status": "SUCCESS",
  "code": 200,
  "elapsed": 228
}

You can trigger a test event to be delivered to your server to check the connection between systems.

Request

Field	Description	Format
callback_url	URL of your server	String

Response

Field	Description	Format
status	Status of test notification delivery	String
code	HTTP status code we have received from your server	Integer
elapsed	Time taken to deliver notification, in ms	Integer

Transfer status change event

Example event:

{
  "subscriptionId": "abcde123-abcd-abcd-abcd-abcde1234567",
  "profileId": 123456,
  "resourceId": {transferId},
  "newState": "outgoing_payment_sent",
  "eventTime": 1481713589566
}

Event

Event will be triggered every time transfer status is updated. Each event contains a timestamp. As we do not guarantee the order of events, please use that eventTime to reconcile the order.

Field	Description	Format
subscriptionId	ID of subscription that triggers this notification	String
profileId	ID of the profile that owns the resource	Integer
resourceId	ID of the resource that got updated	Integer
newState	New status of the resource, possible values are same as transfer statuses	String
eventTime	Timestamp when update happened	Timestamp

Balance deposit event

Example event:

{
  "subscriptionId": "abcde123-abcd-abcd-abcd-abcde1234567",
  "profileId": 123456,
  "amount": 1000,
  "currency": "GBP",
  "eventType": "balance-deposit-received"
}

Event

Event will be triggered every time balance is credited.

Field	Description	Format
subscriptionId	ID of subscription that triggers this notification	String
profileId	ID of the profile that owns the balance	Integer
amount	Deposit amount	Decimal
currency	Currency of the balance that got updated	String
eventType	Type of update	String

Errors

HTTP Status Codes

We use common HTTP status codes included in the response header to indicate success or failure.

Code	Description
200	OK. Successful request.
201	OK. Resource created.
400	Bad request. Request message data did not pass validation.
401	Unauthorised. Not authorised to access requested data.
403	Forbidden. Access to requested data is forbidden.
404	Not Found. Requested resource does not exist.
408	Timeout. Operation timed out.
422	Unprocessable entity. Request message data did not pass validation.
500	TransferWise server error.

Validation Errors

Example Validation Error:

{
    "errors": [
        {
            "code": "error.route.not.supported",
            "message": "This route is not supported",
            "arguments": [
                "CNY-EUR"
            ]
        }
    ]
}

Data validation or violation of business rules related errors. Response could contain multiple errors.

Authentication Errors

Example Authentication Error:

{
    "error": "unauthorized",
    "error_description": "Full authentication is required to access this resource"
}

Security related errors.

System Errors

Example System Error:

{
  "timestamp": "2017-02-02T13:07:39.644+0000",
  "status": 500,
  "error": "Internal Server Error",
  "exception": "java.lang.NullPointerException",
  "message": "No message available",
  "path": "/v1/quotes/106031/account-requirements"
}

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TransferWise API

Payouts and Account Automation

Banks

Affiliates

Receive Money

Checkout flows

Open Banking

Payouts Guide

Getting started

1. Learn about TransferWise.

2. Sign up for your TransferWise account, activate your borderless account, and complete verification.

3. Choose the best tool for you

API access

Authentication

Acquiring your API token

Keeping your API token safe

Limiting token access by IP

Strong customer authentication

Testing

TEST and LIVE environments

Get your profile id

Request

Response

Create quote

Request

Response

Create recipient account

Request

Response

Send money to email recipient

Create transfer

Request

Response

Avoiding duplicate transfers

Fund transfer

Request

Response

Get transfer delivery time

Request

Response

Track transfer status

Check account balance

Request

Response

Get account statement

Request

Response

Create topup order

1. Create topup quote

2. Find out your balance recipient account id

3. Create topup transfer (order)

Going live checklist

1. Make your integration bulletproof

2. Open LIVE account

3. Set up security for LIVE environment

4. Do penny testing in LIVE

5. Sign up for API status notifications.

Bank Integrations Guide (LEGACY)

New documentation available

API access

SANDBOX and LIVE environments

Customized user interface

Building your backend

Your TransferWise user experience

User onboarding flow

Transfer flow

Transfer update polling

Get user authorization for existing accounts

1. Your banking app redirects user to TransferWise authorization webpage

2. The user logs in to TransferWise

3. The user agrees to grant access and we forward them to your redirect_url

Error handling

Sign up new users via API

Get user tokens

Request

Response

Refresh user access token

Request

Response

Token Expiry