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Check account and quote compatibility

Request

Use this endpoint to check the compatibility of a recipient account with a quote before creating a transfer. This validation includes:

  • Re-validating the recipient account details.
  • Checking all required fields are present (for example, recipient address for USD transfers).
  • Verifying account details with the recipient's bank (for supported currencies).

This operation is optional, but useful to identify potential issues before transfer creation.

The confirmations object is only populated for currencies that support recipient verification. If absent, only standard validations apply.

Security
UserToken
Path
accountIdinteger, (int64)required

Recipient account ID.

quoteIdstring, (uuid)required

Quote ID.

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
curl -i -X POST \
  'https://api.wise.com/2026Q4/accounts/{accountId}/quotes/{quoteId}/compatibility' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

Responses

Returns the compatibility result, including any verification outcomes. See the Recipient verification guide for details about handling the confirmations 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
accountIdinteger, (int64)

Recipient account ID.

Example:40000000
quoteIdstring

Quote ID.

Example:"00000000-0000-0000-0000-000000000000"
confirmationsobject

Contains verification results for the recipient's details. Only populated for currencies with recipient verification enabled (CNY, KRW, INR, IDR, EUR).

See the Recipient verification guides for details about how to handle this verification data by currency.

Response
{
  "accountId": 40000000,
  "quoteId": "00000000-0000-0000-0000-000000000000",
  "confirmations": {
    "acceptedOutcomes": false,
    "acceptedAt": null,
    "quoteId": "00000000-0000-0000-0000-000000000000",
    "outcomes": [
      { … }
    ]
  }
}