Skip to content

Create or update cardholder limits

Request

Create or update daily and monthly spend limits for a cardholder.

Only the PURCHASE limit type is supported for cardholder limits.Any other value for type, including ATM_WITHDRAWAL, is rejected with a 422. When no limits are configured yet, both daily and monthly must be supplied. Once limits exist, either window can be updated on its own.

Security
UserToken
Path
businessProfileIdinteger, (int64)required

The business profile ID.

cardHolderProfileIdinteger, (int64)required

The personal profile ID of the cardholder.

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
typestringrequired

The category of spending the limit applies to.

Value:"PURCHASE"
aggregateWindowobjectrequired

The limits to set, per aggregation window. At least one of daily or monthly must be provided.

curl -i -X PATCH \
  'https://api.wise.com/2026Q3/spend/profiles/{businessProfileId}/card-holder-profiles/{cardHolderProfileId}/spend-limits' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "type": "PURCHASE",
    "aggregateWindow": {
      "daily": {
        "value": {
          "amount": 1000,
          "currency": "GBP"
        }
      },
      "monthly": {
        "value": {
          "amount": 3000,
          "currency": "GBP"
        }
      }
    }
  }'

Responses

Updated cardholder spend limits. See Retrieve cardholder limits.

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
spendLimitsArray of objects

Spend limits configured for this cardholder. These limits apply to the cardholder's combined spending across all cards belonging to them, rather than to an individual card or the entire business profile. Empty when no cardholder limits are configured. Currently contains at most one entry, representing the PURCHASE limit type.

Response
{
  "spendLimits": [
    {
      "type": "PURCHASE",
      "aggregateWindow": { … }
    }
  ]
}