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Fund transfers from your Wise balance

Fund transfers using your Wise multi-currency account balance.

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 in the account balance.

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

Requirements

  • transferId: The transfer ID of the already-created transfer that the funds will apply to.
  • Sufficient funds: 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.

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.

Request body

curl -i -X POST \
  https://api.wise.com/2026Q3/profiles/123456789/transfers/16521632/payments \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "type": "BALANCE"
  }'

Successful funding

When your balance has sufficient funds, you'll receive a COMPLETED status in the response.

Response body

Response
application/json
{
  "type": "BALANCE",
  "status": "COMPLETED",
  "balanceTransactionId": 987654321
}

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 receive webhook notifications as the transfer progresses.
  4. You can track the transfer status using the Get transfer by ID endpoint.

Insufficient funds

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

Response body

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

The transfer will remain in incoming_payment_waiting status until funded. When this occurs, you can:

  1. Add funds to your balance.
  2. Retry the request once funds are available.

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.