Wise Platform API
API for cross-border transfers, multi-currency accounts and mid-market FX rates, fully licensed in Singapore. Widely used by SG businesses for cheap international payouts.
How to authenticate
4 stops to a working call
- 1Create a Wise business account.
- 2Generate a personal API token under Settings > API tokens (read-only or full access).
- 3Use the sandbox (api.sandbox.transferwise.tech) with a sandbox account for testing.
- 4Send Authorization: Bearer TOKEN. Large-scale Wise Platform partnerships require a signed agreement and client credentials instead.
Example request
curl -H 'Authorization: Bearer YOUR_TOKEN' 'https://api.transferwise.com/v1/rates?source=SGD&target=USD'Example response
[{"rate":0.779,"source":"SGD","target":"USD","time":"2026-07-05T08:00:00+0000"}]Wise Platform API: common questions
Is the Wise Platform API free?
The Wise Platform API is listed as freemium. Check the official Wise docs for current pricing.
Does the Wise Platform API need an API key?
Yes. It uses Token. Create a Wise business account. Generate a personal API token under Settings > API tokens (read-only or full access). Use the sandbox (api.sandbox.transferwise.tech) with a sandbox account for testing. Send Authorization: Bearer TOKEN. Large-scale Wise Platform partnerships require a signed agreement and client credentials instead.
What is the Wise Platform API endpoint?
The base URL is https://api.transferwise.com. A working example: curl -H 'Authorization: Bearer YOUR_TOKEN' 'https://api.transferwise.com/v1/rates?source=SGD&target=USD'
Notes for AI agents
The rates endpoint is the simplest first call. Transfers require the quote, recipient, transfer, fund sequence in that order; SCA (2FA signing) applies to funding from some regions.
Machine-readable version: /api/apis/wise-platform
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