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Incoming Transfers

Incoming transfers are not publicly available. To get access, contact your Wise implementation manager.

An incoming transfer represents a payment received into a Wise balance via a supported payment rail (SWIFT, SEPA, Faster Payments, ACH, or the Wise network).

Operations
Webhooks

Get an incoming transfer

Request

Retrieves an incoming transfer by id. You can pull the incoming-transfer ID from the webhook payload.

Security
ClientCredentialsToken or UserToken
Path
incomingTransferIdstring, (uuid)required

Unique incoming transfer identifier. UUID-formatted string.

Example:a1b2c3d4-e5f6-7890-abcd-ef1234567890
Headers
X-External-Correlation-Idstring, (uuid), <= 36 characters

Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. Learn more.

Example:f47ac10b-58cc-4372-a567-0e02b2c3d479
curl -i -X GET \
  https://api.wise.com/2026Q3/incoming-transfers/a1b2c3d4-e5f6-7890-abcd-ef1234567890 \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

Responses

GetIncomingTransfer 200 response

Headers
X-External-Correlation-Idstring, (uuid), <= 36 characters

Echoed back when X-External-Correlation-Id was included in the request. Learn more.

Example:"f47ac10b-58cc-4372-a567-0e02b2c3d479"
x-trace-idstring

Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.

Example:"fba501b6d453b96789f52338f019341f"
Bodyapplication/json
idstring, (uuid)required

Unique identifier for the incoming transfer. UUID-formatted string.

Example:"123e4567-e89b-12d3-a456-426614174000"
profileIdinteger, (int64)required

Profile ID of the balance owner.

Example:12345678
balanceIdstringrequired

Balance ID associated with the incoming transfer. This is the balance that was credited.

Example:"555555"
accountDetailsIdstring

Account details ID that received the incoming transfer. A balance may have multiple account details (e.g. multiple IBANs). This identifies the specific one that was credited. Omitted when the payment was received via correspondent model.

Example:"987654"
statestringrequired

Current state of the incoming transfer. Additional states will be added in the future.

Value:"CREDITED"
creditTransferTypestring
  • CUSTOMER_CREDIT_TRANSFER - End-user or corporate payment where at least one side (debtor or creditor) is a non-financial institution.
  • FI_CREDIT_TRANSFER - Direct bank-to-bank settlement, liquidity movement, or cover transfer where both parties are financial institutions.
Enum:"CUSTOMER_CREDIT_TRANSFER""FI_CREDIT_TRANSFER"
schemestringrequired

The payment scheme through which the incoming transfer was received.

Enum:"SWIFT""CHAPS""SEPA""SEPA_INSTANT""ACH""FEDWIRE""FEDNOW""FASTER_PAYMENTS""BACS""WISE_NETWORK"
endToEndIdstring, <= 35 characters

End-to-end identifier assigned by the debtor for reconciliation purposes. Omitted when not provided by the debtor.

Example:"INVOICE-2026-998"
uetrstring, (uuid)

Universal End-to-End Transaction Reference. A globally unique identifier (UUID v4) assigned by the debtor agent to track the payment across the entire chain. UUID-formatted string.

Example:"123e4567-e89b-42d3-a456-426614174000"
unstructuredReferencestring, <= 140 characters

Unstructured remittance information provided by the debtor. Free-text field carried through the payment rail.

Example:"/RFB/INV-2025-001"
creditedTimestring, (date-time)required

Timestamp when the incoming transfer was credited to the balance.

Example:"2025-08-21T12:34:56.000Z"
debtorobjectrequired

The debtor (ordering party) of the incoming transfer.

creditorobjectrequired

The creditor (beneficiary) of the incoming transfer.

amountsobjectrequired

Payment amount waterfall representing the flow of funds: instructed → interbankSettlement → credited.

exchangeRatenumber, (decimal), > 0required

Wise's effective FX rate applied to this incoming transfer (source currency → target balance currency) as a decimal number. 1 when no conversion was needed.

Example:0.6325
chargeBearerstring

Charge bearer code indicating who pays the transaction fees. Omitted if not specified in the payment message.

Enum:"DEBTOR""CREDITOR""SHARED""SERVICE_LEVEL"
previousInstructingAgentsArray of objectsrequired

Financial institutions that previously instructed this payment (the historical chain the payment passed through before reaching Wise). Ordered by position in the chain.

feesobjectrequired

Breakdown of fees applied to the incoming transfer. Contains both Wise fees and correspondent/intermediary bank fees.

Response
{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "profileId": 12345678,
  "balanceId": "555555",
  "accountDetailsId": "987654",
  "state": "CREDITED",
  "creditTransferType": "CUSTOMER_CREDIT_TRANSFER",
  "scheme": "SWIFT",
  "endToEndId": "INVOICE-2026-998",
  "uetr": "123e4567-e89b-42d3-a456-426614174000",
  "unstructuredReference": "/RFB/INV-2025-001",
  "creditedTime": "2025-08-21T12:34:56.000Z",
  "debtor": {
    "name": "Sarah Jenkins",
    "address": {
      "streetName": "Clifton Street",
      "buildingNumber": "65",
      "townName": "London",
      "postCode": "EC2A 4JE",
      "country": "GB",
      "addressLines": [ … ]
    },
    "account": {
      "number": "GB29NWBK60161331926819"
    },
    "agent": {
      "bic": "TRWIGB2L",
      "nationalCode": "230801",
      "name": "Wise Payments Ltd"
    }
  },
  "creditor": {
    "name": "Sarah Jenkins",
    "account": {
      "number": "BE71096123456769"
    },
    "agent": {
      "bic": "TRWIBEB1",
      "name": "Wise"
    }
  },
  "amounts": {
    "instructed": {
      "value": 1000,
      "currency": "USD"
    },
    "interbankSettlement": {
      "value": 1000,
      "currency": "USD"
    },
    "credited": {
      "value": 625.25,
      "currency": "EUR"
    }
  },
  "exchangeRate": 0.6325,
  "chargeBearer": "SHARED",
  "previousInstructingAgents": [],
  "fees": {
    "wise": [
      { … }
    ],
    "correspondent": []
  }
}