# Multi Currency Account

The Wise multi-currency account (MCA) enables users to hold, convert, and fund transfers (single or batches) with balances in up to 56 currencies. Please note that of the 50+ currency balances that we support, 10+ of these come with local account details.

Please refer to our [multi-currency account guide](/guides/product/accounts/managing-accounts) for more information on the general use of the endpoints included below.

Please see the [Balances APIs](/api-reference/balance) for more details.

Operations 

## The Multi Currency Account resource 

Fields
id
Multi currency account ID

profileId
Profile ID the multi currency account is attributed to.

recipientId
Recipient ID of the multi currency account, to be used for transfer recipient

creationTime
Datetime when multi currency account was created

modificationTime
Datetime when multi currency account was last modified

active
Whether multi currency account is active or not

eligible
Whether multi currency account is eligible or not

Multi Currency Account Object

```json
{
  "id": 1,
  "profileId": 33333333,
  "recipientId": 12345678,
  "creationTime": "2020-05-20T14:43:16.658Z",
  "modificationTime": "2020-05-20T14:43:16.658Z",
  "active": true,
  "eligible": true
}
```

## Retrieve available currencies 

Two endpoints exist to retrieve all the currencies available for balance accounts. You can use this list to create a balance account for the currency included.

#### Available Currencies

**`GET /v2/borderless-accounts-configuration/profiles/{{profileId}}/available-currencies`**

Lists all currencies that are available for balance accounts. This includes those that can have funds added from external accounts, as well as those that a balance can be held in.

#### Payin Currencies

**`GET /v2/borderless-accounts-configuration/profiles/{{profileId}}/payin-currencies`**

Lists all the currencies available for balance accounts that are also available to have bank account details. You can use this list to create a balance account for the currency included and then subsequently create bank account details.

#### Response

Returns a list of currencies supported for that option.

Example Request - Available Currencies

```shell
curl -X GET \
  https://api.wise-sandbox.com/v2/borderless-accounts-configuration/profiles/{{profileId}}/available-currencies \
  -H 'Authorization: Bearer <your api token>'
```

Example Request - Payin Currencies

```shell
curl -X GET \
  https://api.wise-sandbox.com/v2/borderless-accounts-configuration/profiles/{{profileId}}/payin-currencies \
  -H 'Authorization: Bearer <your api token>'
```

Example Response

```json
[
  "EUR",
  "GBP",
  "USD",
  ...
]
```

## Retrieve multi currency account for a profile 

**`GET /v4/profiles/{{profileId}}/multi-currency-account`**

This endpoint returns the multi-currency account details for the specified profileId. If the user does not yet have a multi-currency account, a `404 Not Found` will be returned.

#### Response

Returns a [multi currency account object](/api-reference/multi-currency-account#object).

Example Request

```shell
curl -X GET \
  https://api.wise-sandbox.com/v4/profiles/{{profileId}}/multi-currency-account \
  -H 'Authorization: Bearer <your api token>'
```

## Retrieve multi currency account eligibility 

**`GET /v4/multi-currency-account/eligibility`**

This endpoint checks eligibility for a multi-currency account for either a specific profile or for a location. Customers in some countries and states/provinces may not be eligible for a multi currency account.

To check a profile, the `profileId` should be passed as a parameter.

To check a specific location, the country the user is in should be passed as `country` using 2-letter ISO 3166 codes. If the country is `US`, a valid 2 letter `state` parameter must also be passed.

* Ex 1: France: `/v4/multi-currency-account/eligibility?country=FR`
* Ex 2: USA, California: `/v4/multi-currency-account/eligibility?country=US&state=CA`


Response
eligible
Profile is eligible for MCA Account

eligibilityCode
Reason for the ineligibility

accountType
Account type available

ineligibilityReason
Reason the profile is not eligible

Example Request - Profile Eligibility

```shell
curl -X GET \
  https://api.wise-sandbox.com/v4/multi-currency-account/eligibility?profileId={{profileId}} \
  -H 'Authorization: Bearer <your api token>'
```

Example Request - Country/State Eligibility

```shell
curl -X GET \
  https://api.wise-sandbox.com/v4/multi-currency-account/eligibility?country={{country-ISO-Code}}&state={{state-ISO-code}} \
  -H 'Authorization: Bearer <your api token>'
```

Example Response

```json
{
  "eligible": true,
  "eligibilityCode": "eligible",
  "accountType": "FULL",
  "ineligibilityReason": null
}
```