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Balance Limits

Certain countries have regulatory hold limits, please speak to the implementation manager to know if your integration applies.

Singapore

Malaysia

Japan

To mitigate any risks that the hold limits are breached, we have 2 APIs that should be integrated.

  1. Check the deposit limit - Use the balance capacity API to check the deposit limits of a balance before making a top up to a balance. Only top up the balance by the deposit limit amount or less.

  2. Set an excess money account - Set an excess money account to the profile so that any excess money (money that exceeds the limit) will be transferred out of the Wise balance at the end of the day.

Retrieve the deposit limits of an account

This endpoint allows a user to check how much money they are able to deposit in their balance based on regulatory limits.

It is useful for personal profiles located in countries that have hold limits. We advise calling this API before depositing money into an account if the profile is located in Singapore or Malaysia.

curl -i -X GET \
  'https://api.wise.com/v1/profiles/{profileId}/balance-capacity?currency=SGD' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>'
Response
application/json
{
  "hasLimit": true,
  "depositLimit": {
    "amount": 2000,
    "currency": "SGD"
  }
}

For request/response details, see the API reference.

Add an excess money account to a profile

If a balance goes over the regulatory hold limit, excess funds are automatically moved to another account at the end of the day.

Use this endpoint to specify a recipient where excess money will be transferred. This API is primarily used for Singapore and Malaysia customers.

curl -i -X POST \
  'https://api.wise.com/v1/profiles/{profileId}/excess-money-account' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "recipientId": 148393305
  }'

For request/response details, see the API reference.