User Tokens

User tokens allow your system to make API calls on behalf of a Wise user.

Access tokens are short-lived API tokens used to access Wise customer API resources.

Refresh tokens are long-lived API tokens that are used to generate access tokens.

Endpoints
POST/oauth/token (registration code)
POST/oauth/token (authorization code)
POST/oauth/token (refresh token)

User Tokens resource

Fields
access_tokentext

Access token to be used when calling API endpoints on behalf of user. Valid for 12 hours.

token_typetext

"bearer"

refresh_tokentext

Refresh token which you need to use in order to request new access_token. The lifetime of refresh tokens is 20 years.

expires_ininteger

Access Token expiry time in seconds

expires_attext

Access Token expiration timestamp (UTC)

refresh_token_expires_ininteger

Refresh Token expiry time in seconds

refresh_token_expires_attext

Refresh Token expiration timestamp (UTC)

scopetext

"transfers"

created_atdatetime

Creation time in ISO 8601 format

User Tokens Object
    {
      "access_token": "01234567-89ab-cdef-0123-456789abcdef",
      "token_type": "bearer",
      "refresh_token": "01234567-89ab-cdef-0123-456789abcdef",
      "expires_in": 43199,
      "expires_at": "2025-04-11T03:43:28.148Z",
      "refresh_token_expires_in": 628639555,
      "refresh_token_expires_at": "2045-03-12T13:49:23.552Z",
      "scope": "transfers",
      "created_at": "2020-01-01T12:33:33.12345Z"
    }

Retrieve user tokens with registration code

POST /oauth/token

You can now use registration code to obtain user access token and refresh token.

Request
grant_typetext

"registration_code"

emailemail

New user's email address

client_idtext

Your API client_id

registration_codetext

registrationCode from step 2

Response

Returns a user tokens object

Example Request
curl https://api.sandbox.transferwise.tech/oauth/token \
     -u '<client id>:<client secret>' \
     -d 'grant_type=registration_code' \
     -d 'client_id=<client id>' \
     -d 'email=<user email>' \
     -d 'registration_code=<registration code used to create user>'
Example Response (Failure: 401 - User reclaimed the account or invalid registration code used)
    {
      "error": "invalid_grant",
      "error_description": "Invalid user credentials."
    }

Retrieve user tokens with authorization code

POST /oauth/token

You can now use authorization code to obtain user access token and refresh token.

Request
grant_typetext

"authorization_code"

client_idtext

Your API client_id

codetext

Authorization code provided to you upon redirect back from the authorization flow.

redirect_uritext

Redirect URL associated with your API client credentials.

Response

Returns a user tokens object

Example Request
curl https://api.sandbox.transferwise.tech/oauth/token \
     -u '<client id>:<client secret>' \
     -d 'grant_type=authorization_code' \
     -d 'client_id=<client id>' \
     -d 'code=<code from redirect uri>' \
     -d 'redirect_uri=https://www.yourapp.com'
Example Response (200 - OK)
{
  "access_token": {access-token},
  "token_type": "bearer",
  "refresh_token": {refresh-token},
  "expires_in": 43199,
  "expires_at": "2025-04-11T03:43:28.148Z",
  "refresh_token_expires_in": 628639555,
  "refresh_token_expires_at": "2045-03-12T13:49:23.552Z",
  "scope": "transfers",
  "created_at": "2023-12-06T18:28:14.206824830Z"
}
Example Response (Failure: 400 - grant_type is missing in the request)
{
  "error": "invalid_request",
  "error_description": "Missing grant type"
}

Retrieve user tokens with refresh token

POST /oauth/token

Access tokens are valid for 12 hours, so upon expiry you need to use the refresh token to generate a new access token.

In order to maintain an uninterrupted connection, you can request a new access token whenever it’s close to expiring. There is no need to wait for the actual expiration to happen first.

Depending on how your application uses the Wise Platform API, you may find that requesting a new access token before attempting a series of API calls on behalf of an individual user will avoid issues with expired access tokens.

Request
grant_typetext

"refresh_token"

refresh_tokentext

User's refresh token obtained from creating or linking to a Wise user.

Response

Returns a user tokens object

Example Request
curl https://api.sandbox.transferwise.tech/oauth/token \
     -u '<client id>:<client secret>' \
     -d 'grant_type=refresh_token' \
     -d 'refresh_token=<user refresh token>'