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Validate transfer requirements

Request

Exposes transfer-specific requirements based on the sender, quote, and target recipient account. Requirements vary by currency route, transfer amount, and regulatory region.

For example, the maximum allowed length of reference text varies — the US payment system (ACH) supports 10 characters only, but transfers within Mexico allow up to 100 characters. Similarly, depending on the chosen currencies and the amount to be transferred, Wise may require additional details such as source of funds or transfer purpose.

We highly recommend verifying transfer requirements before submitting any transfer to avoid delays caused by missing details.

Integration guide

See the Transfer Requirements guide for step-by-step integration instructions and a list of common requirement fields.

Security
UserToken or PersonalToken
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
targetAccountinteger, (int64)required

Recipient account ID

quoteUuidstring, (uuid)required

V2 quote ID

customerTransactionIdstring, (uuid)

Unique identifier for the transfer request

originatorLegalEntityTypestring

Type of sender. Required from March 2026 for Correspondent Send integrations

Enum:"PRIVATE""BUSINESS"
detailsobject
curl -i -X POST \
  https://api.wise.com/v1/transfer-requirements \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "targetAccount": 8692237,
    "quoteUuid": "8fa9be20-ba43-4b15-abbb-9424e1481050",
    "originatorLegalEntityType": "PRIVATE",
    "details": {
      "reference": "Invoice 2026-001",
      "sourceOfFunds": "verification.source.of.funds.salary",
      "transferPurpose": "verification.transfers.purpose.pay.bills"
    }
  }'

Responses

Returns a list of transfer requirement objects describing the dynamic form fields.

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
Array [
typestring

Resource type

Example:"transfer"
fieldsArray of objects
]
Response
[
  {
    "type": "transfer",
    "fields": [
      { … },
      { … },
      { … }
    ]
  }
]