Skip to content
Last updated

Multi-currency accounts

Multi-currency account management endpoints allow you to manage the user's multi-currency account overall. We have also included information on getting profile information for an authenticated customer.

Generally, the following flow should be taken to open a multi-currency account:

  1. Get profile - Get the profile ID of the profile you want to operate on.
  2. List available currencies - Determine which currencies are supported for the user.
  3. Get multi-currency Account - Get current multi-currency accounts and balance accounts for the profile, determine next steps.
  4. Check eligibility - Check the eligibility of the profile for multi-currency accounts.
  5. Create a multi-currency account - Create a multi-currency account and first balance account for the profile, if not already created.

Retrieve a profile by ID

curl -i -X GET \
  'https://api.wise.com/v2/profiles/{profileId}' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

For request/response details, see the API reference.

Retrieve available currencies

Two endpoints exist to retrieve all the currencies available for balance accounts.

Available Currencies — Lists all currencies that are available for balance accounts, including those that can have funds added from external accounts.

curl -i -X GET \
  'https://api.wise.com/v2/borderless-accounts-configuration/profiles/{profileId}/available-currencies' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

Payin Currencies — Lists all currencies available for balance accounts that also support bank account details.

curl -i -X GET \
  'https://api.wise.com/v2/borderless-accounts-configuration/profiles/{profileId}/payin-currencies' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

Retrieve multi currency account for a profile

Returns the multi-currency account details for the specified profile. If the user does not yet have a multi-currency account, a 404 Not Found will be returned.

curl -i -X GET \
  'https://api.wise.com/v4/profiles/{profileId}/multi-currency-account' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

For request/response details, see the API reference.

Retrieve multi currency account eligibility

Checks eligibility for a multi-currency account for either a specific profile or for a location. Customers in some countries and states/provinces may not be eligible.

curl -i -X GET \
  'https://api.wise.com/v4/multi-currency-account/eligibility?profileId=0&country=FR&state=CA' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

For request/response details, see the API reference.

Create a multi-currency account

To create a multi-currency account, you simply need to open a balance in at least one currency. When doing so, a multi-currency account will automatically be created. To move forward, you should create a balance account.