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Create a quote (unauthenticated)

Request

Use this endpoint to get example quotes for illustrative purposes. This allows you to show the exchange rate and fees Wise offers before a user has created or linked an account. Often used to display a quote screen showing your customers 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 and can't be used to create a transfer.

To get quotes with an accurate partner fee, include the Authorization header in the request with your client credentials token. Otherwise, you do not need to include the Authorization header.

Unauthenticated quotes cannot be used to create transfers. They are meant for illustration purposes in partner interfaces only.

When creating a transfer, be sure to use an authenticated quote.

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/2026Q3/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 Wise uses to deliver the transfer. Provided for information purposes.

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 that 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)

Date and time the locked rate expires.

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

Indicates whether guaranteed target amount is allowed.

Example:true
targetAmountAllowedboolean

Indicates whether target amount is allowed.

Example:true
guaranteedTargetAmountboolean

Indicates whether the target amount is guaranteed.

Example:false
providedAmountTypestring

Indicates whether the quote was created as source or target.

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

Allows partners to override pricing configurations on a transfer level.

paymentOptionsArray of objects

List of the methods available to pay for the transfer.

statusstring

Current status of the quote.

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

The date and time the quote expires.

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

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"
    }
  ]
}