# 

Certain countries have regulatory hold limits, please speak to the implementation manager to know if your integration applies.

[Singapore](https://wise.com/help/articles/2978043/holding-and-spending-limits-if-you-live-in-singapore)

[Malaysia](https://wise.com/help/articles/5sL5X2V2PbxUBIsQ1Fyfn4/holding-limits-if-you-live-in-malaysia)

[Japan](https://wise.com/help/articles/3GBSRou4DTXxYz1piNbzN5/holding-limits-if-you-live-in-japan)

To mitigate any risks that the hold limits are breached, we have 2 APIs that should be integrated.

1. [Check the deposit limit](#capacity) - Use the balance capacity API to check the deposit limits of a balance before making a top up to a balance. Only top up the balance by the deposit limit amount or less.
2. [Set an excess money account](#excess-money-account) -  Set an excess money account to the profile so that any excess money (money that exceeds the limit) will be transferred out of the Wise balance at the end of the day.


## Retrieve the deposit limits of an account 

**`GET /v1/profiles/{{profileId}}/balance-capacity`**

This endpoint allows a user to check how much money they are able to deposit in their balance based on regulatory limits.

It is useful for personal profiles located in countries that have hold limits.

We advise to call this API before depositing money into an account if the profile is located in Singapore or Malaysia.

Request
currency
Currency code (ISO 4217 Alphabetic Code) - The deposit limit will be returned in this currency

Response
hasLimit
True if there is a regulatory hold limit for that profile's country

depositLimit.amount
Amount of money that can be added to the account

depositLimit.currency
Currency code (ISO 4217 Alphabetic Code) of money that can be added to the account. Specified in the request

Example Request

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/balance-capacity?currency=SGD \
  -H 'Authorization: Bearer <your api token>'
```

Example Response

```json
{
  "hasLimit": true,
  "depositLimit": {
    "amount": 2000.00,
    "currency": "SGD"
  }
}
```

## Add an excess money account to a profile 

**`POST /v1/profiles/{profileId}/excess-money-account`**

If a balance goes over the regulatory hold limit, we need to automatically move the excess amount to another account at the end of the day.

To do this, we require a recipient where the money will be moved to be added to the profile.

This API is primarily used for SG and MY customers.

Request
recipientId
ID of the recipient for excess money transfers ([Recipient](/api-reference/recipient))

### Response

Response
userProfileId
ID of the profile

recipientId
ID of the recipient for excess money transfers

Example Request

```shell
curl -X POST \
  https://api.sandbox.transferwise.tech/v1/profiles/{{profileId}}/excess-money-account \
  -H 'Authorization: Bearer <your api token> \'
  -d '{
    "recipientId": 148393305
  }'
```

Example Response

```json
{
  "userProfileId": 12321323,
  "recipientId": 148393305
}
```