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Fund a Transfer from Your Wise Balance

Learn how to fund transfers using your Wise multi-currency account balance.

Overview

The fund transfer endpoint is the final step in executing a payout when using a Wise balance. Once called, Wise immediately begins processing the transfer if sufficient funds are available.

Endpoint: POST /v3/profiles/{profileId}/transfers/{transferId}/payments

Before you begin

  • Create your transfer: You must have already created a transfer.
  • Check your balance: Ensure you have sufficient funds in the appropriate currency balance

Fund a transfer

To fund a transfer from your balance, make a POST request with type set to BALANCE:

Request body

curl -X POST \
  https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments \
  -H 'Authorization: Bearer YOUR_API_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "type": "BALANCE"
  }'

Parameters

ParameterTypeRequiredDescription
profileIdintegerYesThe ID of the profile that created the transfer (personal or business)
transferIdintegerYesThe ID of the transfer to fund
typestringYesMust be "BALANCE" to fund from your multi-currency account

Successful funding

When your balance has sufficient funds, you'll receive a COMPLETED status:

Response

{
  "type": "BALANCE",
  "status": "COMPLETED",
  "errorCode": null
}

Parameters

FieldTypeDescription
typestringThe funding type used (BALANCE)
statusstringCOMPLETED when successful, REJECTED when failed
errorCodestringError code if funding failed, null on success

Insufficient funds

If your balance doesn't have enough funds, the request will fail:

Response

{
  "type": "BALANCE",
  "status": "REJECTED",
  "errorCode": "transfer.insufficient_funds"
}

When this occurs:

  1. Add funds to your balance
  2. Retry this endpoint once funds are available
  3. The transfer will remain in incoming_payment_waiting status until funded

What happens next

After successful funding:

  1. The transfer status changes from incoming_payment_waiting to processing
  2. Wise begins processing the payout to the recipient
  3. You'll receive webhook notifications as the transfer progresses
  4. You can track the transfer status using the Get Transfer API

Testing in sandbox

In the sandbox environment, you can:

  • Create test balances
  • Add test funds to practice the funding flow
  • Test insufficient funds scenarios

Learn more about testing

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