Update a quote

Request

When generating a quote before a recipient, you must update the quote with the recipient sourceAccount value, as the recipient details may impact the quote properties like available payment options, price, and estimated delivery time. This is because sending some currencies to certain destinations costs a different amount based on the payment networks used (for example, it's more expensive to send USD to a country outside the USA using international payment networks, or send CAD over the Interac network).

When updating a quote, the payOut field may change to denote the payment option you should select when sending to the recipient. For example, sending USD to a swift_code recipient or CAD to an interac recipient changes payOut to SWIFT or INTERAC respectively. This field defaults to BANK_TRANSFER so it can be used in all cases to help select the correct paymentOption and hence show the correct pricing.

If pricing changes after updating a quote for a recipient, be sure to inform your customer before confirming the transfer.

To provide more transparency for fees charged for SWIFT recipients, consider setting the payOut field to SWIFT_OUR. This ensures the recipient receives the full target amount.

Transfer Nature for BRL

transferNature is a required field for transfers to or from BRL. It also impacts the fees charged on the quote, specifically the IOF.

IOF is determined based on the transfer nature, sender information, and recipient information. The default IOF is included in a quote until all relevant information has been included.

Omitting transferNature will not prevent the transfer from being created or even funded. However, when attempting to process the transfer, it will be blocked and the money will be refunded to the sender.

Security

UserToken

Path

profileIdinteger, (int64)required

Personal or business profile ID.

Example:101

quoteIdstring, (uuid)required

The quote ID (GUID format).

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

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/merge-patch+jsonrequired

targetAccountinteger, (int64)

ID of transfer recipient, found in the create recipient response.

Example:12345

payOutstring

Optional. Preferred payout method.

Default value is BANK_TRANSFER.

Examples of other accepted values include BALANCE, SWIFT, SWIFT_OUR, ALIPAY, and INTERAC.

Example:"SWIFT_OUR"

paymentMetadataobject

Optional. Used to pass additional metadata about the intended transfer.

pricingConfigurationobject

Required when configured for your client ID. Includes pricingConfiguration to be used for pricing calculations with the quote. If previously passed, the existing pricingConfiguration will remain and not be updated.

curl -i -X PATCH \
  https://api.wise.com/2026Q3/profiles/101/quotes/11144c35-9fe8-4c32-b7fd-d05c2a7734bf \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/merge-patch+json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "targetAccount": 12345,
    "payOut": "SWIFT_OUR",
    "paymentMetadata": {
      "transferNature": "MOVING_MONEY_BETWEEN_OWN_ACCOUNTS"
    },
    "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