Bank Account Details

Endpoints

The Bank Account Details resource

Fields

idinteger

Bank account details ID

currency.codetext

Currency code (ISO 4217 Alphabetic Code)

currency.nametext

Currency name

titletext

Account title

subtitletext

Account subtitle

statustext

AVAILABLE: Account details do not exist for the user but may be created
ACTIVE: Account details are ready to be used by this user

deprecatedboolean

Important! When the value is true, Wise issued another account details for the same currency. The users should not use the deprecated account anymore, but they still need to be informed as they might have external references pointing to the old one.

receiveOptionsarray

This array will contain the available receive options for the given currency.

LOCAL: local bank details to receive money in the account currency
INTERNATIONAL: Swift bank details to receive money internationally in the account currency.

receiveOptions.detailsarray

It returns all the details that need to be displayed to users to make transfers to this account. This array will vary from currency to currency as each one has its requirements. For example, EUR will return ACCOUNT_HOLDER, SWIFT_CODE, IBAN and ADDRESS, whereas GBP will return ACCOUNT_HOLDER, BANK_CODE, ACCOUNT_NUMBER, IBAN and ADDRESS.

Each element in this array will contain the following attributes:

type: String informing the account detail type
title: Label to display in the UI
body: Value to display in the UI
description: When present, it has the content to show a tooltip/popup hint
hidden: If the field should be displayed or not in the UI

bankFeaturesarray

Features enabled on the account

Bank Account Details Object

{
  "id": 14000001,
  "currency": {
    "code": "EUR",
    "name": "Euro"
  },
  "title": "Your EUR account details",
  "subtitle": "IBAN, SWIFT/BIC",
  "status": "ACTIVE",
  "deprecated": false,
  "receiveOptions": [
  ],
  "bankFeatures": [
    {
      "key": "LOCAL_RECEIVE",
      "title": "Receive locally",
      "supported": true
    },
    {
      "key": "SWIFT",
      "title": "Receive internationally (Swift)",
      "supported": true
    },
    {
      "key": "DIRECT_DEBITS",
      "title": "Set up Direct Debits",
      "supported": true
    },
    {
      "key": "PLATFORM_RECEIVE",
      "title": "Receive from PayPal and Stripe",
      "supported": true
    }
  ]
}

Retrieve bank account details for a profile

GET /v1/profiles/{{profileId}}/account-details

This endpoint returns a list with all the AVAILABLE and ACTIVE account details for the given profile, including examples. Account receive options can also include local and international details to receive money on the currency balance.

Example bank account details are returned for any currency where bank account details have not been requested and issued. Examples will always include an id of null.

Response

Returns a list of bank account details objects.

Example Request

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/account-details \
     -H 'Authorization: Bearer <your api token>'

Create a bank account details order

POST /v1/profiles/{{profileId}}/account-details-orders

Creates an order which will issue account details. It should use the same currency as the balance previously created. Fulfilling all the requirements will complete the order. That means reaching status DONE.

The possible values for a requirement are:

PENDING_USER: The requirement has some pending action from the user.
PENDING_TW: The requirement has some pending action from Wise.
DONE: The requirement is completed

The more common requirements are:

VERIFICATION: The user needs to be fully verified before complete this requirement.
TOP_UP: A fee will be charged and must be paid using through wise.com before complete this requirement.

Request

currencytext

balance currency (ISO 4217 Alphabetic Code)

Response

statustext

Status (PENDING_USER, PENDING_TW, DONE)

currencytext

currency (ISO 4217 Alphabetic Code)

requirements.typetext

Requirement type (VERIFICATION, TOP_UP)

requirement.statustext

Requirement status (PENDING_USER, PENDING_TW, DONE)

Example Request

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/account-details-orders \
     -H 'Authorization: Bearer <your api token>' \
     -H 'Content-Type: application/json' \
     -d '{
          "currency": "EUR"
        }'

Example Response

{
  "status": "PENDING_USER",
  "currency": "EUR",
  "requirements": [
    {
      "type": "VERIFICATION",
      "status": "PENDING_USER"
    }
  ]
}

Create multiple bank account details

POST /v3/profiles/{{profileId}}/bank-details

Creates and assigns a pair of local account details and international account details (where available) that are linked to the target balance specified in the request.

Request

targetAccountIdinteger

ID of the currency balance to create account details on

Response

idstring

Account detail ID

currencystring

Account detail currency (ISO 4217 Alphabetic Code)

activeboolean

Status of the account detail

localDetails.bankNamestring

Name of the bank

localDetails.bankAddressstring

Address of the bank

localDetails.sortCodestring

Sort code of the bank

localDetails.accountNumberstring

Bank account number

localDetails.typestring

Type of account detail

internationalDetails.bankNamestring

Name of the bank

internationalDetails.bankAddressstring

Address of the bank

internationalDetails.swiftCodestring

Bank SWIFT code

internationalDetails.ibanstring

IBAN

internationalDetails.typestring

Type of account detail

Example Request

curl -X POST https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/bank-details \
     -H 'Authorization: Bearer <your api token>' \
     -H 'Content-Type: application/json' \
     -d '{
          "targetAccountId": "123456"
        }'

Example Response

{
    "id": "2",
    "currency": "GBP",
    "active": true,
    "localDetails": {
        "bankName": "Wise",
        "bankAddress": "TEA BUILDING, FLOOR 6, SHOREDITCH HIGH STREET",
        "sortCode": "231370",
        "accountNumber": "00000001",
        "type": "UK_ACCOUNT"
    },
    "internationalDetails": { // optional, only if SWIFT payments are supported for that currency
        "bankName": "Wise",
        "bankAddress": "TEA BUILDING, FLOOR 6, SHOREDITCH HIGH STREET",
        "swiftCode": "TRWIGB22XXX",
        "iban": "GB123450000000001",
        "type": "IBAN"
    }
}

List bank account detail orders

GET /v1/profiles/{{profileId}}/account-details-orders

This endpoint returns the bank account assignment requests for a profile and multi-currency account.

Example Request

curl -X GET https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/account-details-orders \
     -H 'Authorization: Bearer <your api token>'

Example Response

[
  {
    "status": "PENDING_USER",
    "currency": "EUR",
    "requirements": [
      {
        "type": "TOP_UP",
        "status": "PENDING_USER",
      },
      {
        "type": "VERIFICATION",
        "status": "PENDING_USER",
      }
    ]
  },
  ...
]

Create return for payment to bank account details

POST /v1/profiles/{{profileId}}/account-details/payments/{{paymentId}}/returns

Creates a return for a payment received to bank account details.

When you create a return, you must provide the ID of the payment you wish to return as well as the ID of the profile that received the payment. In addition, you can provide a reason for the return in the request body. When returning Swift payments, reason is a required field.

Request

reasontext

Reason for the return. Only required to return Swift payments.
Reason(INCORRECT_ACCOUNT_NUMBER, CLOSED_ACCOUNT, BLOCKED_ACCOUNT, CANCELLATION_REQUEST, REGULATORY, CUSTOMER_REQUEST)
optional

Response

iduuid

ID of the return created.

required

Example Request

curl -X POST https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/account-details/payments/{{paymentId}}/returns \
     -H 'Authorization: Bearer <your api token>' \
     -H 'Content-Type: application/json' \
     -d '{
          "reason": "CLOSED_ACCOUNT"
        }'

Example Response - PAYMENT RETURN CREATED (201)

{
  "id": "4cc39f2b-3513-453d-8792-9ccc22e513c3"
}

Example Error - PAYMENT NOT FOUND (404)

{
  "errors": [
    "code": "error.payment.not-found",
    "message": "No payment found with id [123456789] for profile id [987654321]",
    "arguments": [
      987654321,
      123456789,
      null
    ]
  ]
}

Example Error - INVALID REQUEST (400)

{
  "errors": [
    "code": "error.payment-return.invalid",
    "message": "A valid reason is required to return a Swift payment",
    "arguments": [
      987654321,
      123456789,
      null
    ]
  ]
}