Spend Limits

These APIs help you manage spend limits that are applied on your profile or card.

typetext

The type of transaction. One of PURCHASE, ATM_WITHDRAWAL. PURCHASE is a combined limit that applies to Contactless, Magnetic, Online purchase, Chip and PIN/mobile wallet transactions

valuemoney

Daily or monthly limit. The value should be between 0 and the max allowed

usagemoney

The total authorised amount till date

maxmoney

The max allowed limit for daily or monthly

resetAttext

The time when the limit get reset. ISO-8601 timestamp with timezone (Z)

Profile Limits Resource
{
"type": "PURCHASE",
"aggregateWindow": {
"daily": {
"value": {
"amount": 20000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 30000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
},
"monthly": {
"value": {
"amount": 20000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 30000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
}
}
}
valuemoney

Optional transaction, daily, monthly or lifetime limit

usagemoney

The total authorised amount during the specified window. The value is always 0 for transaction limit

resetAttext

The time when the limit gets reset. ISO-8601 timestamp with timezone (Z). A null value is returned for transaction and lifetime limit

Card Limits Resource
{
"transaction": {
"value": {
"amount": 100.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"resetAt": null
},
"daily": {
"value": {
"amount": 2000.00,
"currency": "GBP"
},
"usage": {
"amount": 100.00,
"currency": "GBP"
},
"resetAt": "2023-09-29T22:59:59.999999999Z"
},
"monthly": null,
"lifetime": {
"value": {
"amount": 5000.00,
"currency": "GBP"
},
"usage": {
"amount": 100.00,
"currency": "GBP"
},
"resetAt": null
}
}

GET /v4/spend/profiles/{{profileId}}/spend-limits

Retrieves the spend limits that are configured for a profileId.

Example Request
curl -X GET 'https://api.sandbox.transferwise.tech/v4/spend/profiles/{{profileId}}/spend-limits' \
-H 'Authorization: Bearer <your api token>'

Response

Returns a list of profile limits object

Example Response
{
"spendLimits": [
{
"type": "PURCHASE",
"aggregateWindow": {
"daily": {
"value": {
"amount": 20000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 30000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
},
"monthly": {
"value": {
"amount": 20000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 30000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
}
}
},
{
"type": "ATM_WITHDRAWAL",
"aggregateWindow": {
"daily": {
"value": {
"amount": 1000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 4000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
},
"monthly": {
"value": {
"amount": 1000.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"max": {
"amount": 4000.00,
"currency": "GBP"
},
"resetAt": "2023-07-31T22:59:59.999999999Z"
}
}
}
]
}

PATCH /v4/spend/profiles/{{profileId}}/spend-limits

Update profile daily and monthly spend limits for PURCHASE or ATM_WITHDRAWAL.

typetext

The type of transaction. One of PURCHASE, ATM_WITHDRAWAL

valuemoney

The amount allowed to be spent for the chosen type, both daily and monthly must be set

Example Request
curl -X PATCH https://api.sandbox.transferwise.tech/v3/spend/profiles/{{profileId}}/spend-limits \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"type": "PURCHASE",
"aggregateWindow": {
"daily": {
"value": {
"amount": 20000.00,
"currency": "GBP"
}
},
"monthly": {
"value": {
"amount": 20000.00,
"currency": "GBP"
}
}
}
}'

GET /v4/spend/profiles/{{profileId}}/cards/{{cardToken}}/spend-limits

Retrieves the spend limits that are configured for a card.

Example Request
curl -X GET 'https://api.sandbox.transferwise.tech/v4/spend/profiles/{{profileId}}/cards/{{cardToken}}/spend-limits' \
-H 'Authorization: Bearer <your api token>'

Response

Returns a list of card limits object

Example Response
{
"transaction": {
"value": {
"amount": 100.00,
"currency": "GBP"
},
"usage": {
"amount": 0.00,
"currency": "GBP"
},
"resetAt": null
},
"daily": {
"value": {
"amount": 2000.00,
"currency": "GBP"
},
"usage": {
"amount": 100.00,
"currency": "GBP"
},
"resetAt": "2023-09-29T22:59:59.999999999Z"
},
"monthly": {
"value": {
"amount": 3000.00,
"currency": "GBP"
},
"usage": {
"amount": 100.00,
"currency": "GBP"
},
"resetAt": "2023-09-30T22:59:59.999999999Z"
},
"lifetime": {
"value": {
"amount": 5000.00,
"currency": "GBP"
},
"usage": {
"amount": 100.00,
"currency": "GBP"
},
"resetAt": null
}
}

PATCH /v4/spend/profiles/{{profileId}}/cards/{{cardToken}}/spend-limits

Create or update card transaction, daily, monthly or lifetime spend limits.

valuemoney

The amount allowed to be spent on the card during the specified period

Example Request
curl -X PATCH https://api.sandbox.transferwise.tech/v3/spend/profiles/{{profileId}}/cards/{{cardToken}}/spend-limits \
-H 'Authorization: Bearer <your api token>' \
-H 'Content-Type: application/json' \
-d '{
"daily": {
"value": {
"amount": 1000.00,
"currency": "GBP"
}
},
"monthly": {
"value": {
"amount": 1000.00,
"currency": "GBP"
}
}
}'