# 

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


## Retrieve a profile by ID 

**`GET /v2/profiles/{{profileId}}`**

Get profile info by ID.

Example Request

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v2/profiles/{{profileId}} \
  -H 'Authorization: Bearer <your api token>'
```

## Retrieve available currencies 

Two endpoints exist to retrieve all the currencies available for balance accounts. You can use this list to create a balance account for the currency included.

#### Available Currencies

**`GET /v2/borderless-accounts-configuration/profiles/{{profileId}}/available-currencies`**

Lists all currencies that are available for balance accounts. This includes those that can have funds added from external accounts, as well as those that a balance can be held in.

#### Payin Currencies

**`GET /v2/borderless-accounts-configuration/profiles/{{profileId}}/payin-currencies`**

Lists all the currencies available for balance accounts that are also available to have bank account details. You can use this list to create a balance account for the currency included and then subsequently create bank account details.

#### Response

Returns a list of currencies supported for that option.

Example Request - Available Currencies

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v2/borderless-accounts-configuration/profiles/{{profileId}}/available-currencies \
  -H 'Authorization: Bearer <your api token>'
```

Example Request - Payin Currencies

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v2/borderless-accounts-configuration/profiles/{{profileId}}/payin-currencies \
  -H 'Authorization: Bearer <your api token>'
```

Example Response

```json
[
  "EUR",
  "GBP",
  "USD",
  ...
]
```

## Retrieve multi currency account for a profile 

**`GET /v4/profiles/{{profileId}}/multi-currency-account`**

This endpoint returns the multi-currency account details for the specified profileId. If the user does not yet have a multi-currency account, a `404 Not Found` will be returned.

#### Response

Returns a [multi currency account object](/api-reference/multi-currency-account#object).

Example Request

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v4/profiles/{{profileId}}/multi-currency-account \
  -H 'Authorization: Bearer <your api token>'
```

## Retrieve multi currency account eligibility 

**`GET /v4/multi-currency-account/eligibility`**

This endpoint 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 for a multi currency account.

To check a profile, the `profileId` should be passed as a parameter.

To check a specific location, the country the user is in should be passed as `country` using 2-letter ISO 3166 codes. If the country is `US`, a valid 2 letter `state` parameter must also be passed.

* Ex 1: France: `/v4/multi-currency-account/eligibility?country=FR`
* Ex 2: USA, California: `/v4/multi-currency-account/eligibility?country=US&state=CA`


Response
eligible
Profile is eligible for MCA Account

eligibilityCode
Reason for the ineligibility

accountType
Account type available

ineligibilityReason
Reason the profile is not eligible

Example Request - Profile Eligibility

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v4/multi-currency-account/eligibility?profileId={{profileId}} \
  -H 'Authorization: Bearer <your api token>'
```

Example Request - Country/State Eligibility

```shell
curl -X GET \
  https://api.sandbox.transferwise.tech/v4/multi-currency-account/eligibility?country={{country-ISO-Code}}&state={{state-ISO-code}} \
  -H 'Authorization: Bearer <your api token>'
```

Example Response

```json
{
  "eligible": true,
  "eligibilityCode": "eligible",
  "accountType": "FULL",
  "ineligibilityReason": null
}
```

## 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](/guides/product/accounts/balance-accounts#create).