Browse APIs

Wise Platform API

Commercial

by Wise

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

  1. 1Create a Wise business account.
  2. 2Generate a personal API token under Settings > API tokens (read-only or full access).
  3. 3Use the sandbox (api.sandbox.transferwise.tech) with a sandbox account for testing.
  4. 4Send Authorization: Bearer TOKEN. Large-scale Wise Platform partnerships require a signed agreement and client credentials instead.

Example request

Request
curl -H 'Authorization: Bearer YOUR_TOKEN' 'https://api.transferwise.com/v1/rates?source=SGD&target=USD'

Example response

Response (truncated)
[{"rate":0.779,"source":"SGD","target":"USD","time":"2026-07-05T08:00:00+0000"}]

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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