Additional Customer Verification
Sometimes, additional customer verification is required to ensure we’re compliant with the KYC regulations.
Refer to our additional-customer-verification guide for detailed instructions.
Account Purpose
POST /v3/profiles/{{profileId}}/verification-status/account-purpose
Use account-purpose endpoint to submit customer information for review. We will use this to perform an initial check before either verifying the customer, or requesting more information.
Successful verification will be returned within a few seconds. Unsuccessful verification will create a case for our team to review, so it can take longer to receive an update.
Note that the required account purpose information is different for business and consumer profiles.
Possible values include:
MOVING_SAVINGSSENDING_MONEY_TO_FRIENDS_OR_FAMILYGENERAL_LIVING_EXPENSESBUYING_GOODS_OR_SERVICES_ABROADPAYING_FOR_MORTGAGE_OR_LOANPAYING_BILLSRECEIVING_SALARY_OR_PENSIONINVESTING
List of iso3 country codes.
Check the lists of countries you can send money to with Wise.
Values are in euros. Possible values include:
0_23502351_60006001_1150011501_6000060001_175000175001_+
Possible values include:
SALARYINVESTMENTSPENSIONINHERITANCELOANOTHER
Values are in euros. Possible values include:
0_1150011501_1900019001_2850028501_4750047501_7500075001_+
Possible values include:
INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILARDISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDSPAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDITPAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROADPAYING_RENT_OR_UTILITIESPAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEESPAYING_TAX_ON_PROFIT_OR_PROPERTYTRANSFER_WITHIN_COMPANY_OR_GROUPRECEIVE_INVESTMENTS_OR_FUNDSRECEIVE_PAYMENTS_FROM_CLIENTSDONATIONOTHER
List of iso3 country codes. Check the lists of countries you can send money to with Wise.
Possible values include:
BUSINESS_ACTIVITIESINVESTMENTSLOAN_OR_OTHER_FINANCINGDONATIONGRANTSOTHER
Values are in euros. Possible values include:
0_12001201_60006001_1200012001_6000060001_120000120001_235000235001_600000600001_12000001200001_60000006000001_1200000012000001_+
Returns a 204 response - No Content
{"accountPurpose" : "MOVING_SAVINGS","intendedCountries" : ["deu", "esp"],"yearlyAnticipatedVolume" : "0_2350","mainSourceOfIncome" : "SALARY","annualIncome": "0_11500"}
{"businessUse" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"],"intendedCountries" : ["deu", "esp"],"monthlyAnticipatedVolume" : "0_1200","mainSourceOfFunding": "BUSINESS_ACTIVITIES"}
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/account-purpose' \-H 'Authorization: Bearer <user access token>' \-H 'Content-Type: application/json' \-d '{"accountPurpose": "MOVING_SAVINGS","intendedCountries": ["deu","esp"],"yearlyAnticipatedVolume": "0_1200","mainSourceOfIncome": "SALARY","annualIncome": "0_11500"}'
Upload Document
POST /v3/profiles/{{profileId}}/verification-status/upload-document
Use upload-document to provide verification documents for review.
You'll need to do this when asked for a 'SOURCE_OF_WEALTH' evidence in cdd-check-state-change webhook.
Here are the requirements for documents that can be uploaded:
- The document must be clear.
- The document needs to be a .jpg, .png., or .pdf file type up to 10MB in size.
Visit our guide on Source of Wealth document to find more information about this commonly required document.
Upload Explanation
POST /v3/profiles/{{profileId}}/verification-status/upload-explanation
Use upload-explanation to provide more detailed information about how your customer will use Wise, or their income.
You'll need to do this when asked for a 'INCOME_EXPLANATION' or 'ACCOUNT_PURPOSE_EXPLANATION' evidence in the cdd-check-state-change webhook.
Explanation for income
Explanation for account purpose
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/upload-explanation' \-H 'Authorization: Bearer <user access token>' \-H 'Content-Type: application/json' \-d '{"incomeExplanation": "I have additional income coming from my shares","accountPurposeExplanation": "I intend to use Wise to send money to my Grandpa"}'
Required Evidences
GET /v3/profiles/{{profileId}}/verification-status/required-evidences
Fetches the required evidences for a profile to complete additional customer verification.
Evidences are documents or data points that may be required to perform the additional verification for the customer.
Use required-evidences, before a transfer is created, to get required evidence types for your customer. If one or more evidences are returned, then the customer should submit those via following endpoints:
For personal profile
Upload a source of wealth document according on the source of income provided. See the table here for a list of acceptable documents.
Upload the document using
Provide your annual income and primary source of income using the fields annualIncome and mainSourceOfIncome in
Provide the countries intended to send and receive money from using the field intendedCountries in
Provide your yearly anticipated volume using the field yearlyAnticipatedVolume (for personal profile) and monthlyAnticipatedVolume (for business profile) in
We couldn't verify your usage from the document you uploaded. If there is another way you earn money, please provide relevant details using the field incomeExplanation in
To finish our checks, please give specific examples about what you use us for using the field accountPurposeExplanation in
For business profile
Upload a source of wealth document according on the source of funding provided. See the table here for a list of acceptable documents.
Upload the document using
Provide source of funding of your business using the field mainSourceOfFunding in
Provide the countries intended to send and receive money from using the field intendedCountries in
Provide Monthly anticipated volume of your business using the field monthlyAnticipatedVolume in
Provide use case for your business using the field businessUse in
curl -X GET 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/required-evidences' \-H 'Authorization: Bearer <user access token>'
{"required_evidences": []}