# Comparison

The comparison API can be used to request price and speed information about various money transfer providers. This includes not only Wise but other providers in the market.

### Price Estimation

The quotes (price and speed) provided by this API are based off of real quotes collected from 3rd party websites. We collect both the advertised exchange rate and fee for each provider for various amounts. When a comparison is requested, we calculate the markup percentage of the collected exchange rate on the mid-market rate at the time of collection. We then apply this markup to the current mid-market rate to provide a realistic estimate of what each provider offers. We collect data for all providers around once per hour to ensure we provide as accurate and up-to-date information as possible.

Note: Today, we only provide estimations for FX transactions with a Bank Transfer pay-in and pay-out option. This is important to stress as many providers offer significantly different fees and exchange rates when used debit/credit card, cash etc.

For more details on the data collection process please see the following page:
[https://wise.com/gb/compare/disclaimer](https://wise.com/gb/compare/disclaimer)

If you have questions or suspect any data to be inaccurate or incomplete please contact us at: [comparison@wise.com](mailto:comparison@wise.com)

### Delivery Estimation

Similar to price, we collect speed data for most (if not all) providers which we have price information for. Many providers display speed estimates to their customers in a number of different ways.

Some examples:

- "The transfer should be complete within 2-5 days"
- "The money should arrive in your account within 48 hours"
- "Should arrive by 26th Aug"
- "Could take up to 4 working days"


The below API intends to model these in a consistent format by providing a minimum and maximum range for all delivery estimations. An estimate that states "up to X" will have "max" set to a duration but "min" as null; "from X" will have "min" set to a duration and "max" as null. Finally, for those providers who offer a specific, point in time estimation (like Wise), the API will surface a duration where "min" and "max" are equal.

### Quotes structure

In order to provide the most flexible and accurate data for clients, we surface a denormalized list of quotes per provider where each quote represents a unique collection of comparison "dimensions".

A single given provider may expose multiple quotes for the same currency route. The most common example is where a provider offers different pricing for two different countries which use the same currency, e.g.:

Provider X:

- GBP EUR 1000 [GB -> ES] fee: 10, rate: 1.5
- GBP EUR 1000 [GB -> DE] fee: 8, rate: 1.5
- GBP EUR 1000 [GB -> FR] fee: 10, rate: 1.35


The same principle applies for speed, i.e. a provider may have different speed estimates for different target countries. Hence, we expose these as discrete quotes, where a quote is a unique combination of route, country, speed and price factors.

A client may choose to reduce this set of quotes down to a single or several quotes in order to display a relevant quote to a given user. An example where we take the cheapest quote for a given currency route (and also surface the target country) can be seen at the below link:

[https://wise.com/gb/compare/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=1000](https://wise.com/gb/compare/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=1000)

Operations 

## The Comparison Resource 

Fields
id
Provider ID

alias
Provider alias (lowercase slug name)

name
Provider name (presentational / formal name)

logos
List of URLs pointing to provider logos (svg, png)

type
Provider type: bank, money transfer provider, or travel money

partner
Whether a partner of Wise or not

quotes
An array of estimated quotes per provider

logo
(Deprecated) Provider logo svg

quotes.rate
The live estimated exchange rate for the provider for this quote

quotes.fee
The estimated fee for the provider for this quote

quotes.dateCollected
The date of collection for the original quote

quotes.sourceCountry
Source country (ISO 3166-1 Alpha-2 code)

quotes.targetCountry
Target country (ISO 3166-1 Alpha-2 code)

quotes.markup
Percentage markup on the quoted rate compared to the mid-market rate

quotes.receivedAmount
The total estimated received amount for the provider for this quote

quotes.deliveryEstimation
Delivery estimation details - i.e. a speed estimate

quotes.deliveryEstimation.duration
Duration range

quotes.deliveryEstimation.duration.min
Minimum quoted time for transaction delivery

quotes.deliveryEstimation.duration.max
Maximum quoted time for transaction delivery

quotes.deliveryEstimation.providerGivesEstimate
Whether a provider publicly surfaces a speed estimate or not

quotes.deliveryEstimation.durationType
Whether the duration is in calendar days, business days, or same day

quotes.deliveryEstimation.deliveryDate
Estimated transaction delivery date range

Comparison Object

```json
{
  "sourceCurrency": "GBP",
  "targetCurrency": "EUR",
  "sourceCountry": null,
  "targetCountry": null,
  "providerCountry": null,
  "providerTypes": [
    "bank",
    "moneyTransferProvider"
  ],
  "amount": 10000.0,
  "providerType": null,
  "providers": [
    {
      "id": 39,
      "alias": "wise",
      "name": "Wise",
      "logos": {
        "normal": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo.png"
        },
        "inverse": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_inverse.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_inverse.png"
        },
        "white": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_white.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_white.png"
        },
        "circle": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/wise-mark.svg",
          "pngUrl": null
        },
        "altText": "Wise"
      },
      "type": "moneyTransferProvider",
      "partner": false,
      "quotes": [
        {
          "rate": 1.15989,
          "fee": 37.12,
          "dateCollected": "2019-10-22T14:36:43Z",
          "sourceCountry": null,
          "targetCountry": null,
          "markup": 0.0,
          "receivedAmount": 11555.84,
          "deliveryEstimation": {
            "duration": {
              "min": "PT20H8M16.305111S",
              "max": "PT20H8M16.305111S"
            },
            "providerGivesEstimate": true,
            "durationType": "CALENDAR",
            "deliveryDate": {
              "min": "2025-02-05T15:08:00.000000492Z",
              "max": "2025-02-05T15:08:00.000000492Z"
            }
          }
        }
      ],
      "logo": "https://wise.com/public-resources/assets/logos/wise-personal/logo.svg"
    },
    {
      "id": 1,
      "alias": "barclays",
      "name": "Barclays",
      "logos": {
        "normal": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays.svg",
          "pngUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays.png"
        },
        "inverse": {
          "svgUrl": null,
          "pngUrl": null
        },
        "white": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays--white.svg",
          "pngUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays--white.png"
        },
        "circle": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays-mark.svg",
          "pngUrl": null
        },
        "altText": "Barclays"
      },
      "type": "bank",
      "partner": false,
      "quotes": [
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "ES",
          "markup": 2.75592858,
          "receivedAmount": 11279.24,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true,
            "durationType": "CALENDAR",
            "deliveryDate": {
              "min": "2025-02-06T13:12:13.428650596Z",
              "max": "2025-02-06T13:12:13.428650596Z"
            }
          }
        },
        ...
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "FI",
          "markup": 2.75592858,
          "receivedAmount": 11279.24,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true,
            "durationType": "CALENDAR",
            "deliveryDate": {
              "min": "2025-02-06T13:12:13.428650596Z",
              "max": "2025-02-06T13:12:13.428650596Z"
            }
          },
          ...
        }
        ...
      ]
    }
  ]
}
```

Fields
id
Provider ID

alias
Provider alias (lowercase slug name)

name
Provider name (presentational / formal name)

logos
List of URLs pointing to provider logos (svg, png)

type
Provider type: bank, money transfer provider, or travel money

partner
Whether a partner of Wise or not

quotes
An array of estimated quotes per provider

quotes.rate
The live estimated exchange rate for the provider for this quote

quotes.fee
The estimated fee for the provider for this quote

quotes.dateCollected
The date of collection for the original quote

quotes.sourceCountry
Source country (ISO 3166-1 Alpha-2 code)

quotes.targetCountry
Target country (ISO 3166-1 Alpha-2 code)

quotes.markup
Percentage markup on the quoted rate compared to the mid-market rate

quotes.receivedAmount
The total estimated received amount for the provider for this quote (non-null only if a send amount request was made)

quotes.sendAmount
The total estimated send amount for the provider for this quote (non-null only if a recipient gets amount request was made)

quotes.deliveryEstimation
Delivery estimation details - i.e. a speed estimate

quotes.deliveryEstimation.duration
Duration range

quotes.deliveryEstimation.duration.min
Minimum quoted time for transaction delivery

quotes.deliveryEstimation.duration.max
Maximum quoted time for transaction delivery

quotes.deliveryEstimation.providerGivesEstimate
Whether a provider publicly surfaces a speed estimate or not

quotes.isConsideredMidMarketRate
Whether the provider's rate is close enough to the true mid-market rate to be classified as a mid-market rate

Comparison Object

```json
{
  "sourceCurrency": "GBP",
  "targetCurrency": "EUR",
  "sourceCountry": null,
  "targetCountry": null,
  "providerCountry": null,
  "providerTypes": [
    "bank",
    "moneyTransferProvider"
  ],
  "amount": 10000.0,
  "amountType": "SEND",
  "providers": [
    {
      "id": 39,
      "alias": "wise",
      "name": "Wise",
      "logos": {
        "normal": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo.png"
        },
        "inverse": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_inverse.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_inverse.png"
        },
        "white": {
          "svgUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_white.svg",
          "pngUrl": "https://wise.com/public-resources/assets/logos/wise-personal/logo_white.png"
        },
        "circle": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/wise-mark.svg",
          "pngUrl": null
        },
        "altText": "Wise"
      },
      "type": "moneyTransferProvider",
      "partner": false,
      "quotes": [
        {
          "rate": 1.15989,
          "fee": 37.12,
          "dateCollected": "2019-10-22T14:36:43Z",
          "sourceCountry": null,
          "targetCountry": null,
          "markup": 0.0,
          "receivedAmount": 11555.84,
          "sendAmount": null,
          "deliveryEstimation": {
            "duration": {
              "min": "PT20H8M16.305111S",
              "max": "PT20H8M16.305111S"
            },
            "providerGivesEstimate": true
          },
          "isConsideredMidMarketRate": true
        }
      ]
    },
    {
      "id": 1,
      "alias": "barclays",
      "name": "Barclays",
      "logos": {
        "normal": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays.svg",
          "pngUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays.png"
        },
        "inverse": {
          "svgUrl": null,
          "pngUrl": null
        },
        "white": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays--white.svg",
          "pngUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays--white.png"
        },
        "circle": {
          "svgUrl": "https://dq8dwmysp7hk1.cloudfront.net/logos/barclays-mark.svg",
          "pngUrl": null
        },
        "altText": "Barclays"
      },
      "type": "bank",
      "partner": false,
      "quotes": [
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "ES",
          "markup": 2.75592858,
          "receivedAmount": 11279.24,
          "sendAmount": null,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true
          },
          "isConsideredMidMarketRate": false
        },
        ...
        {
          "rate": 1.12792426,
          "fee": 0.0,
          "dateCollected": "2019-10-22T14:00:04Z",
          "sourceCountry": "GB",
          "targetCountry": "FI",
          "markup": 2.75592858,
          "receivedAmount": 11279.24,
          "sendAmount": null,
          "deliveryEstimation": {
            "duration": {
              "min": "PT24H",
              "max": "PT24H"
            },
            "providerGivesEstimate": true
          },
          "isConsideredMidMarketRate": false
        }
      ]
    },
    ...
  ]
}
```

## Request a Comparison Quote 

**`GET /v3/comparisons/?sourceCurrency={{sourceCurrency}}&targetCurrency={{targetCurrency}}&sendAmount={{sendAmount}}`**

Request
sourceCurrency
ISO 4217 source currency code

targetCurrency
ISO 4217 target currency code

sendAmount
Amount to send in source currency

midMarketRate
(Optional) Current mid-market rate between the source and target currency

wiseFee
(Optional) Wise's fee, if the Wise quote is known

wiseEstimatedDelivery
(Optional) Wise's estimated delivery timestamp, if the Wise quote is known

wiseQuoteCreatedTime
(Optional) Timestamp when the Wise quote was created

payInMethod
(Optional) Change the pay-in method of the Wise quote only (all other quotes will remain as bank transfer)

sourceCountry
(Optional) Filter by source country (ISO 3166-1 Alpha-2 code)

targetCountry
(Optional) Filter by target country (ISO 3166-1 Alpha-2 code)

providerCountry
(Optional) Filter by provider country (ISO 3166-1 Alpha-2 code)

providerTypes
(Optional) Filter by provider type

providers
(Optional) Filter by specific provider aliases

excludePartners
(Optional) Exclude Wise's partner banks - default true

### Response

Returns a [comparison object](/api-reference/comparison#object).

Example Request

```shell
curl -X GET \
  'https://api.wise.com/v3/comparisons/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=10000'
```

**`GET /v4/comparisons/?sourceCurrency={{sourceCurrency}}&targetCurrency={{targetCurrency}}&sendAmount={{sendAmount}}`**

Request
sourceCurrency
ISO 4217 source currency code

targetCurrency
ISO 4217 target currency code

sendAmount
(Optional - must provide either `sendAmount` or `recipientGetsAmount`) Amount to send in source currency

recipientGetsAmount
(Optional - must provide either `sendAmount` or `recipientGetsAmount`) Amount to be received in target currency

midMarketRate
(Optional) Current mid-market rate between the source and target currency

wiseFee
(Optional) Wise's fee, if the Wise quote is known

wiseEstimatedDelivery
(Optional) Wise's estimated delivery timestamp, if the Wise quote is known

wiseQuoteCreatedTime
(Optional) Timestamp when the Wise quote was created

payInMethod
(Optional) Change the pay-in method of the Wise quote only (all other quotes will remain as bank transfer)

sourceCountry
(Optional) Filter by source country (ISO 3166-1 Alpha-2 code)

targetCountry
(Optional) Filter by target country (ISO 3166-1 Alpha-2 code)

providerCountry
(Optional) Filter by provider country (ISO 3166-1 Alpha-2 code)

filter
(Optional) Filter by most popular competitors

numberOfProviders
(Optional) Number of popular competitors to return if `filter` is set to `POPULAR`- default value is 4

providerTypes
(Optional) Filter by provider type

providers
(Optional) Filter by specific provider aliases

excludePartners
(Optional) Exclude Wise's partner banks - default true

includeWise
(Optional) Overrides filters to ensure Wise data is returned, even if exclusionary filters are applied

### Response

Returns a [comparison object](/api-reference/comparison#object).

Example Request

```shell
curl -X GET \
  'https://api.wise.com/v4/comparisons/?sourceCurrency=GBP&targetCurrency=EUR&sendAmount=10000'
```