Unauthenticated quotes

Unauthenticated quotes let you fetch example exchange rates and fees without authentication and including only basic transfer details. These quotes show potential costs and exchange rates, making them ideal for marketing pages and product displays without user sign-up.

Important limitations

Unauthenticated quotes:

Cannot be used to create actual transfers.
Are for display and estimation purposes only.
Should not be stored long-term or relied upon for transactions.
Rates expire and should be refreshed regularly.

To create actual transfers, you must use the authenticated quote endpoint.

Creating an unauthenticated quote

To create a unauthenticated quote, send an HTTP POST request to /quotes.

Request body

The body of your request is where you specify all the information about the FX payment quote you want to create.

You must provide the currencies to exchange:

Parameter	Description	Example
`sourceCurrency`	Currency you are sending from (ISO 4217)	`"USD"`
`targetCurrency`	Currency to be received in (ISO 4217)	`"EUR"`

Then EITHER sourceAmount OR targetAmount (never both):

Parameter	Description	Example
`sourceAmount`	Amount to send	`100.00`
`targetAmount`	Amount recipient should receive	`85.00`

Sample scenarios

Option A: Fixed send amount

Use when you know how much the user wants to send.

Example Request:

curl -i -X POST \
  https://api.wise.com/2026Q3/quotes \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "sourceCurrency": "GBP",
    "targetCurrency": "USD",
    "sourceAmount": null,
    "targetAmount": 110,
    "pricingConfiguration": {
      "fee": {
        "type": "OVERRIDE",
        "variable": 0.011,
        "fixed": 15.42
      }
    }
  }'

Option B: Fixed receive amount

Use when you know how much the recipient should receive.

Example Request:

curl -i -X POST \
  https://api.wise.com/2026Q3/quotes \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "sourceCurrency": "GBP",
    "targetCurrency": "USD",
    "sourceAmount": null,
    "targetAmount": 110,
    "pricingConfiguration": {
      "fee": {
        "type": "OVERRIDE",
        "variable": 0.011,
        "fixed": 15.42
      }
    }
  }'

Complete response sample

Response

{
  "id": "11144c35-9fe8-4c32-b7fd-d05c2a7734bf",
  "sourceCurrency": "GBP",
  "targetCurrency": "USD",
  "sourceAmount": 100,
  "targetAmount": 129.24,
  "payOut": "BANK_TRANSFER",
  "preferredPayIn": "BANK_TRANSFER",
  "rate": 1.30445,
  "createdTime": "2019-04-05T13:18:58Z",
  "user": 55,
  "profile": 101,
  "rateType": "FIXED",
  "rateExpirationTime": "2019-04-08T13:18:57Z",
  "guaranteedTargetAmountAllowed": true,
  "targetAmountAllowed": true,
  "guaranteedTargetAmount": false,
  "providedAmountType": "SOURCE",
  "pricingConfiguration": {
    "fee": {
      "type": "OVERRIDE",
      "variable": 0.011,
      "fixed": 15.42
    }
  },
  "paymentOptions": [
    {
      "disabled": false,
      "estimatedDelivery": "2019-04-08T12:30:00Z",
      "formattedEstimatedDelivery": "by Apr 8",
      "estimatedDeliveryDelays": [ … ],
      "fee": { … },
      "price": { … },
      "sourceAmount": 100,
      "targetAmount": 129.24,
      "sourceCurrency": "GBP",
      "targetCurrency": "USD",
      "payIn": "BANK_TRANSFER",
      "payOut": "BANK_TRANSFER",
      "allowedProfileTypes": [ … ],
      "payInProduct": "CHEAP",
      "feePercentage": 0.0092,
      "disabledReason": { … }
    }
  ],
  "status": "PENDING",
  "expirationTime": "2019-04-05T13:48:58Z",
  "notices": [
    {
      "text": "You can have a maximum of 3 open transfers with a guaranteed rate. After that, they'll be transferred using the live rate. Complete or cancel your other transfers to regain the use of guaranteed rate.",
      "link": null,
      "type": "WARNING"
    }
  ]
}

Key response fields

Field	Description	Example use
`rate`	Current exchange rate (targetCurrency per 1 sourceCurrency)	Display "1 USD = 0.9215 EUR"
`sourceAmount`	Total amount user needs to send	Show "You send $100.00"
`targetAmount`	Amount recipient receives after fees	Show "Recipient gets €92.15"
`createdTime`	When this quote was created (ISO 8601)	Log for debugging
`rateExpirationTime`	When this rate expires (ISO 8601)	Show "Rate valid for 30 minutes"
`paymentOptions.fee.total`	Total fee charged	Show "Fee: $2.58"
`paymentOptions.formattedEstimatedDelivery`	Human-readable delivery estimate	Show "Arrives by Tuesday"