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Balances

Create and manage balance accounts within a multi-currency account.

Each profile can hold multiple balance accounts in different currencies. A STANDARD balance is limited to one per currency, while SAVINGS balances (Jars) allow multiple in the same currency. Creating the first balance for a profile automatically creates the multi-currency account.

Balances include an investmentState field. Only balances with NOT_INVESTED can be operated on via the API. Invested balances should be shown but not actionable.

For a complete guide on multi-currency accounts, see Multi-Currency Accounts.

Schemas
Operations

Create a Balance Account

Request

Opens a balance within the specified profile, in the currency and type specified in the request.

For STANDARD balances, only one can be created per currency. For SAVINGS balances, multiple in the same currency can be opened.

When creating a SAVINGS type balance, a name is required.

Security
UserToken or PersonalToken
Path
profileIdinteger, (int64)required

The profile ID.

Headers
X-idempotence-uuidstring, (uuid)required

Unique identifier assigned by you. Used for idempotency check purposes. Should your call fail for technical reasons then you can use the same value again for making a retry call.

X-External-Correlation-Idstring, (uuid), <= 36 characters

Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. Learn more.

Example:f47ac10b-58cc-4372-a567-0e02b2c3d479
Bodyapplication/jsonrequired
currencystringrequired

Currency code (ISO 4217 Alphabetic Code).

Example:"EUR"
typestringrequired

Type of balance account.

  • STANDARD - Standard balance account. Only one per currency per profile.
  • SAVINGS - Savings balance (Jar). Multiple allowed per currency.
Enum:"STANDARD""SAVINGS"
Example:"STANDARD"
namestring

Name of the balance. Required for SAVINGS type balances.

curl -i -X POST \
  'https://api.wise.com/2026Q4/profiles/{profileId}/balances' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -H 'X-idempotence-uuid: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -d '{
    "currency": "EUR",
    "type": "STANDARD"
  }'

Responses

Created - Balance successfully created.

Headers
X-External-Correlation-Idstring, (uuid), <= 36 characters

Echoed back when X-External-Correlation-Id was included in the request. Learn more.

Example:"f47ac10b-58cc-4372-a567-0e02b2c3d479"
x-trace-idstring

Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.

Example:"fba501b6d453b96789f52338f019341f"
Bodyapplication/json
idinteger, (int64)

Balance ID.

Example:200001
currencystring

Currency code (ISO 4217 Alphabetic Code).

Example:"EUR"
typestring

Type of balance account.

  • STANDARD - Standard balance account. Only one per currency per profile.
  • SAVINGS - Savings balance (Jar). Multiple allowed per currency.
Enum:"STANDARD""SAVINGS"
Example:"STANDARD"
namestring or null

Name of the balance. Required for SAVINGS balances.

Example:null
iconobject or null

Icon for the balance.

Example:null
investmentStatestring

Investment state of the balance.

  • NOT_INVESTED - Balance is not invested.
  • INVESTED - Balance is invested in assets.
  • INVESTING - Balance is being invested into assets.
  • DIVESTING - Balance is being divested from assets.
  • UNKNOWN - Investment state is unknown.
Enum:"NOT_INVESTED""INVESTED""INVESTING""DIVESTING""UNKNOWN"
Example:"NOT_INVESTED"
amountobject

Available balance that can be used to fund transfers.

reservedAmountobject

Amount reserved for transactions.

cashAmountobject

Cash amount in the account.

totalWorthobject

Current total worth.

creationTimestring, (date-time)

Date when the balance was created.

Example:"2020-05-20T14:43:16.658Z"
modificationTimestring, (date-time)

Date when the balance was last modified.

Example:"2020-05-20T14:43:16.658Z"
visibleboolean

Whether the balance is visible to the user.

Example:true
Response
{
  "id": 200001,
  "currency": "EUR",
  "type": "STANDARD",
  "name": null,
  "icon": null,
  "investmentState": "NOT_INVESTED",
  "amount": {
    "value": 310.86,
    "currency": "EUR"
  },
  "reservedAmount": {
    "value": 0,
    "currency": "EUR"
  },
  "cashAmount": {
    "value": 310.86,
    "currency": "EUR"
  },
  "totalWorth": {
    "value": 310.86,
    "currency": "EUR"
  },
  "creationTime": "2020-05-20T14:43:16.658Z",
  "modificationTime": "2020-05-20T14:43:16.658Z",
  "visible": true
}