Get exchange rates and fees from Wise without authentication, perfect for showcasing example exchange rates, fees and trasnfer speeds on your website or app.
Unauthenticated quotes let you fetch example exchange rates and fees while only requiring basic transfer details. These quotes show potential costs and exchange rates, making them ideal for marketing pages and product displays without user sign-up.
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.
To create a unauthenticated quote, you'll send an HTTP POST request to /v3/quotes.
The body of your request is where you'll specify all the information about the FX payment quote you want to create.
You will need to always provide the currencies to exchange:
| Parameter | Description | Example |
|---|---|---|
sourceCurrency | Currency for sending currency (ISO 4217) | "USD" |
targetCurrency | Currency for receiving currency (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 |
Here's some example for both scenerios.
Use when you know how much the user wants to send.
Example Request:
{
"sourceCurrency": "USD",
"targetCurrency": "EUR",
"sourceAmount": 100
}Use when you know how much the recipient should receive.
Example Request:
{
"sourceCurrency": "USD",
"targetCurrency": "EUR",
"targetAmount": 85
}{
"sourceCurrency": "USD",
"targetCurrency": "EUR",
"sourceAmount": 100.00,
"targetAmount": 92.15,
"rate": 0.9215,
"createdTime": "2024-01-15T10:30:00Z",
"rateType": "FIXED",
"rateExpirationTime": "2024-01-15T11:00:00Z",
"paymentOptions": [{
"formattedEstimatedDelivery": "by Tuesday, January 16",
"estimatedDeliveryDelays": [],
"fee": {
"transferwise": 2.58,
"payIn": 0.00,
"discount": 0.00,
"total": 2.58
}
}]
}| 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[0].fee.total | Total fee charged | Show "Fee: $2.58" |
paymentOptions[0].formattedEstimatedDelivery | Human-readable delivery estimate | Show "Arrives by Tuesday" |