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Create a quote (unauthenticated)

Request

Use this endpoint to get example quotes for people to see the exchange rate and fees Wise offers before a user has created or linked an account. This can drive a version of the quote screen that shows the user what Wise offers before they sign up. Note that this endpoint does not require a token to create the resource, however, since it is just an example, the returned quote has no ID so can't be used later to create a transfer.

In order to get an accurate partner fee, we require a client credentials token to be provided. If you are a partner and would like your fee to be included in the quote returned, you must provide your auth token. If not, you do not require the Authorization header.

Unauthenticated quotes cannot be used to create transfers, they are meant for illustration purposes in partner interfaces only. Make sure to create an authenticated quote during the transfer creation flow.

Security
ClientCredentialsToken
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
Bodyapplication/jsonrequired
sourceCurrencystringrequired

Source (sending) currency code.

Example:"GBP"
targetCurrencystringrequired

Target (receiving) currency code.

Example:"USD"
sourceAmountnumber or null

Amount in source currency. Either sourceAmount or targetAmount is required, never both.

Example:null
targetAmountnumber or null

Amount in target currency.

Example:110
pricingConfigurationobject

Required when configured for your client ID. Includes a pricingConfiguration to be used for pricing calculations with the quote.

curl -i -X POST \
  https://api.wise.com/v3/quotes \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "sourceCurrency": "GBP",
    "targetCurrency": "USD",
    "sourceAmount": null,
    "targetAmount": 110,
    "pricingConfiguration": {
      "fee": {
        "type": "OVERRIDE",
        "variable": 0.011,
        "fixed": 15.42
      }
    }
  }'

Responses

Returns a quote object.

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)

ID of this quote (GUID format).

Example:"11144c35-9fe8-4c32-b7fd-d05c2a7734bf"
sourceCurrencystring

Source (sending) currency code.

Example:"GBP"
targetCurrencystring

Target (receive) currency code.

Example:"USD"
sourceAmountnumber

Amount in source currency to send.

Example:100
targetAmountnumber

Amount in target currency to be received by the recipient.

Example:129.24
payOutstring

Mechanism we use to deliver the transfer. Not usually of interest to the user.

Example:"BANK_TRANSFER"
preferredPayInstring

Preferred pay-in method.

Example:"BANK_TRANSFER"
ratenumber

Exchange rate value used for the conversion.

Example:1.30445
createdTimestring, (date-time)

Quote created timestamp.

Example:"2019-04-05T13:18:58Z"
userinteger, (int64)

User ID who created the quote.

Example:55
profileinteger, (int64)

Personal or business profile ID.

Example:101
rateTypestring

Whether the rate is fixed or floating.

Enum:"FIXED""FLOATING"
Example:"FIXED"
rateExpirationTimestring, (date-time)

Time the locked rate will expire.

Example:"2019-04-08T13:18:57Z"
guaranteedTargetAmountAllowedboolean

Whether guaranteed target amount is allowed.

Example:true
targetAmountAllowedboolean

Whether target amount is allowed.

Example:true
guaranteedTargetAmountboolean

Whether the target amount is guaranteed.

Example:false
providedAmountTypestring

Whether the quote was created as source or target.

Enum:"SOURCE""TARGET"
Example:"SOURCE"
pricingConfigurationobject

Allows for pricing configurations to be overridden by partners on a transfer level.

paymentOptionsArray of objects

List of the methods a user can pay for the transfer.

statusstring

Current status of this quote.

Enum:"PENDING""ACCEPTED""FUNDED""EXPIRED"
Example:"PENDING"
expirationTimestring, (date-time)

The time the quote expires.

Example:"2019-04-05T13:48:58Z"
noticesArray of objects

Array of messages to display to the user. May be empty ([]) if there are no messages.

Response
{
  "id": "11144c35-9fe8-4c32-b7fd-d05c2a7734bf",
  "sourceCurrency": "GBP",
  "targetCurrency": "USD",
  "sourceAmount": 100,
  "targetAmount": 129.24,
  "payOut": "BANK_TRANSFER",
  "preferredPayIn": "BANK_TRANSFER",
  "rate": 1.30445,
  "createdTime": "2019-04-05T13:18:58Z",
  "user": 55,
  "profile": 101,
  "rateType": "FIXED",
  "rateExpirationTime": "2019-04-08T13:18:57Z",
  "guaranteedTargetAmountAllowed": true,
  "targetAmountAllowed": true,
  "guaranteedTargetAmount": false,
  "providedAmountType": "SOURCE",
  "pricingConfiguration": {
    "fee": {
      "type": "OVERRIDE",
      "variable": 0.011,
      "fixed": 15.42
    }
  },
  "paymentOptions": [
    {
      "disabled": false,
      "estimatedDelivery": "2019-04-08T12:30:00Z",
      "formattedEstimatedDelivery": "by Apr 8",
      "estimatedDeliveryDelays": [ … ],
      "fee": { … },
      "price": { … },
      "sourceAmount": 100,
      "targetAmount": 129.24,
      "sourceCurrency": "GBP",
      "targetCurrency": "USD",
      "payIn": "BANK_TRANSFER",
      "payOut": "BANK_TRANSFER",
      "allowedProfileTypes": [ … ],
      "payInProduct": "CHEAP",
      "feePercentage": 0.0092,
      "disabledReason": { … }
    }
  ],
  "status": "PENDING",
  "expirationTime": "2019-04-05T13:48:58Z",
  "notices": [
    {
      "text": "You can have a maximum of 3 open transfers with a guaranteed rate. After that, they'll be transferred using the live rate. Complete or cancel your other transfers to regain the use of guaranteed rate.",
      "link": null,
      "type": "WARNING"
    }
  ]
}