openapi: 3.1.0
info:
  title: Wise Platform 3ds bank-account-details API
  version: ''
  description: "The Wise Platform API is a REST-based interface that enables programmatic access to Wise's payment infrastructure. All endpoints return JSON-formatted responses and use standard HTTP methods and status codes.\n{% admonition type=\"success\" name=\"New to wise?\" %}\n  We strongly recommend first reading our **[Getting Started Guide](/guides/developer/index.md)** to help you set up credentials and make your first call.\n{% /admonition %}\n\nBefore you begin {% .title-2 .m-t-5 %}\n\nTo use this API reference effectively, you should have:\n\n- Received Valid [API credentials from Wise](/guides/developer/auth-and-security/index.md) (Client ID and Client Secret)\n- Understand OAuth 2.0 authentication\n- Be familiar with RESTful API concepts\n\nCore API resources {% .title-2 .m-t-5 .m-b-0 %}\n\n| Resource | Purpose |\n|----------|---------|\n| **[Quote](/api-reference/quote)** | Exchange rate and fee calculations |\n| **[Recipient](/api-reference/recipient)** | Beneficiary account management |\n| **[Transfer](/api-reference/transfer)** | Payment creation and execution |\n| **[Balance](/api-reference/balance)** | Multi-currency account operations |\n| **[Profile](/api-reference/profile)** | Account ownership details |\n| **[Rate](/api-reference/rate)** | Current and historical exchange rates |\n\n**Not sure which workflow to build?**<br>\nStart with our [Integration Guides](/guides/product/send-money/use-cases/index.md) for step-by-step implementation examples.{% .m-t-3 .m-b-5 %}\n"
servers:
- url: https://api.wise.com
  description: Production Environment
- url: https://api.wise-sandbox.com
  description: Sandbox Environment
tags:
- name: bank-account-details
  x-displayName: Bank Account Details
  description: 'Bank account details allow users to receive money into their Wise Multi-Currency Account. Each currency balance can have local bank details (for domestic payments) and international bank details (for SWIFT payments) where available.


    Bank account details can be retrieved for existing balances, or new details can be ordered for currencies where they''re available but not yet issued.

    '
paths:
  /v1/profiles/{profileId}/account-details-orders:
    post:
      tags:
      - bank-account-details
      summary: Create bank account details order
      operationId: bankAccountDetailsOrderCreate
      security:
      - UserToken: []
      - PersonalToken: []
      description: 'Creates an order which will issue account details. It should use the same currency as the balance previously created. Fulfilling all the requirements will complete the order, reaching status `DONE`.


        The possible values for a requirement status are:

        - `PENDING_USER`: The requirement has some pending action from the user.

        - `PENDING_TW`: The requirement has some pending action from Wise.

        - `DONE`: The requirement is completed.


        The more common requirements are:

        - `VERIFICATION`: The user needs to be fully verified before completing this requirement.

        - `TOP_UP`: A fee will be charged and must be paid through wise.com before completing this requirement.

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile to create the bank account details order for.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - currency
              properties:
                currency:
                  type: string
                  description: Balance currency (ISO 4217 Alphabetic Code).
                  example: EUR
      responses:
        '200':
          description: Bank account details order created.
          content:
            application/json:
              schema:
                type: object
                properties:
                  status:
                    type: string
                    description: Order status.
                    enum:
                    - PENDING_USER
                    - PENDING_TW
                    - DONE
                    example: PENDING_USER
                  currency:
                    type: string
                    description: Currency code (ISO 4217 Alphabetic Code).
                    example: EUR
                  requirements:
                    type: array
                    description: List of requirements to fulfill the order.
                    items:
                      type: object
                      properties:
                        type:
                          type: string
                          description: Requirement type.
                          enum:
                          - VERIFICATION
                          - TOP_UP
                          example: VERIFICATION
                        status:
                          type: string
                          description: Requirement status.
                          enum:
                          - PENDING_USER
                          - PENDING_TW
                          - DONE
                          example: PENDING_USER
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
    get:
      tags:
      - bank-account-details
      summary: List bank account detail orders (v1)
      operationId: bankAccountDetailsOrdersListV1
      deprecated: true
      security:
      - UserToken: []
      - PersonalToken: []
      description: 'Returns the bank account assignment requests for a profile and multi-currency account.


        {% admonition type="warning" %}

        This endpoint is deprecated. Please use the [v3 endpoint](/api-reference/bank-account-details/bankaccountdetailsorderslist) instead.

        {% /admonition %}

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile to list bank account detail orders for.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: A list of bank account detail orders.
          content:
            application/json:
              schema:
                type: array
                items:
                  type: object
                  properties:
                    status:
                      type: string
                      description: Order status.
                      enum:
                      - PENDING_USER
                      - PENDING_TW
                      - DONE
                      example: PENDING_USER
                    currency:
                      type: string
                      description: Currency code (ISO 4217 Alphabetic Code).
                      example: EUR
                    requirements:
                      type: array
                      description: List of requirements for the order.
                      items:
                        type: object
                        properties:
                          type:
                            type: string
                            description: Requirement type.
                            enum:
                            - VERIFICATION
                            - TOP_UP
                            example: TOP_UP
                          status:
                            type: string
                            description: Requirement status.
                            enum:
                            - PENDING_USER
                            - PENDING_TW
                            - DONE
                            example: PENDING_USER
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v3/profiles/{profileId}/bank-details:
    post:
      tags:
      - bank-account-details
      summary: Create multiple bank account details
      operationId: bankAccountDetailsBankDetailsCreate
      security:
      - UserToken: []
      description: 'Creates and assigns a pair of local account details and international account details (where available) that are linked to the target balance specified in the request.


        {% admonition type="warning" %}

        Please reach out to our Support Team for access to this endpoint.

        {% /admonition %}

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile to create bank account details for.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - targetAccountId
              properties:
                targetAccountId:
                  type: integer
                  format: int64
                  description: ID of the currency balance to create account details on.
                  example: 123456
      responses:
        '200':
          description: Bank account details created.
          content:
            application/json:
              schema:
                type: object
                properties:
                  id:
                    type: string
                    description: Account detail ID.
                    example: '2'
                  currency:
                    type: string
                    description: Account detail currency (ISO 4217 Alphabetic Code).
                    example: GBP
                  active:
                    type: boolean
                    description: Status of the account detail.
                    example: true
                  localDetails:
                    type: object
                    description: Local bank account details.
                    properties:
                      bankName:
                        type: string
                        description: Name of the bank.
                        example: Wise
                      bankAddress:
                        type: string
                        description: Address of the bank.
                        example: TEA BUILDING, FLOOR 6, SHOREDITCH HIGH STREET
                      sortCode:
                        type: string
                        description: Sort code of the bank.
                        example: '231370'
                      accountNumber:
                        type: string
                        description: Bank account number.
                        example: '00000001'
                      type:
                        type: string
                        description: Type of account detail.
                        example: UK_ACCOUNT
                  internationalDetails:
                    type:
                    - object
                    - 'null'
                    description: International bank account details. Only returned if SWIFT payments are supported for that currency.
                    properties:
                      bankName:
                        type: string
                        description: Name of the bank.
                        example: Wise
                      bankAddress:
                        type: string
                        description: Address of the bank.
                        example: TEA BUILDING, FLOOR 6, SHOREDITCH HIGH STREET
                      swiftCode:
                        type: string
                        description: Bank SWIFT code.
                        example: TRWIGB22XXX
                      iban:
                        type: string
                        description: IBAN.
                        example: GB123450000000001
                      type:
                        type: string
                        description: Type of account detail.
                        example: IBAN
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v1/profiles/{profileId}/account-details:
    get:
      tags:
      - bank-account-details
      summary: Retrieve bank account details
      operationId: bankAccountDetailsGet
      security:
      - UserToken: []
      - PersonalToken: []
      description: 'Returns a list with all the `AVAILABLE` and `ACTIVE` account details for the given profile, including examples. Account receive options can also include local and international details to receive money on the currency balance.


        Example bank account details are returned for any currency where bank account details have not been requested and issued. Examples will always include an `id` of `null`.

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile to retrieve bank account details for.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: A list of bank account details.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/BankAccountDetails'
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v3/profiles/{profileId}/account-details-orders:
    get:
      tags:
      - bank-account-details
      summary: List bank account detail orders
      operationId: bankAccountDetailsOrdersList
      security:
      - UserToken: []
      - PersonalToken: []
      description: 'Returns the bank account assignment requests for a profile and multi-currency account.


        The response includes bank-details orders in the following statuses: `PENDING_USER`, `PENDING_TW`, `REQUIREMENTS_FULFILLED`, `DONE`.

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile to list bank account detail orders for.
      - name: currency
        in: query
        required: true
        schema:
          type: string
          example: GBP
        description: Currency code (ISO 4217 Alphabetic Code).
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: A list of bank account detail orders.
          content:
            application/json:
              schema:
                type: array
                items:
                  type: object
                  properties:
                    status:
                      type: string
                      description: Order status.
                      enum:
                      - PENDING_USER
                      - PENDING_TW
                      - REQUIREMENTS_FULFILLED
                      - DONE
                      example: DONE
                    currency:
                      type: string
                      description: Currency code (ISO 4217 Alphabetic Code).
                      example: EUR
                    requirements:
                      type: array
                      description: List of requirements for the order.
                      items:
                        type: object
                        properties:
                          type:
                            type: string
                            description: Requirement type.
                            enum:
                            - VERIFICATION
                            - TOP_UP
                            example: TOP_UP
                          status:
                            type: string
                            description: Requirement status.
                            enum:
                            - PENDING_USER
                            - PENDING_TW
                            - DONE
                            example: DONE
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v1/profiles/{profileId}/account-details/payments/{paymentId}/returns:
    post:
      tags:
      - bank-account-details
      summary: Create payment return
      operationId: bankAccountDetailsReturnsCreate
      security:
      - UserToken: []
      description: 'Creates a return for a payment received to bank account details.


        When you create a return, you must provide the ID of the payment you wish to return as well as the ID of the profile that received the payment. In addition, you can provide a `reason` for the return in the request body. When returning SWIFT payments, `reason` is a required field.

        '
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 12345678
        description: The ID of the profile that received the payment.
      - name: paymentId
        in: path
        required: true
        schema:
          type: integer
          format: int64
          example: 987654321
        description: The ID of the payment to return.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: false
        content:
          application/json:
            schema:
              type: object
              properties:
                reason:
                  type: string
                  description: 'Reason for the return. Required when returning SWIFT payments.

                    '
                  enum:
                  - INCORRECT_ACCOUNT_NUMBER
                  - CLOSED_ACCOUNT
                  - BLOCKED_ACCOUNT
                  - CANCELLATION_REQUEST
                  - REGULATORY
                  - CUSTOMER_REQUEST
                  example: CLOSED_ACCOUNT
      responses:
        '201':
          description: Payment return created.
          content:
            application/json:
              schema:
                type: object
                properties:
                  id:
                    type: string
                    format: uuid
                    description: ID of the return created.
                    example: 4cc39f2b-3513-453d-8792-9ccc22e513c3
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: Invalid request.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Error code.
                          example: error.payment-return.invalid
                        message:
                          type: string
                          description: Error message.
                          example: A valid reason is required to return a Swift payment
                        arguments:
                          type: array
                          description: Additional context values related to the error.
                          items: {}
                          example:
                          - 987654321
                          - 123456789
                          - null
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: Payment not found.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Error code.
                          example: error.payment.not-found
                        message:
                          type: string
                          description: Error message.
                          example: No payment found with id [123456789] for profile id [987654321]
                        arguments:
                          type: array
                          description: Additional context values related to the error.
                          items: {}
                          example:
                          - 987654321
                          - 123456789
                          - null
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
components:
  parameters:
    X-External-Correlation-Id:
      x-global: true
      name: X-External-Correlation-Id
      in: header
      required: false
      description: 'Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. [Learn more](/guides/developer/headers/correlation-id).

        '
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
  schemas:
    BankAccountDetails:
      type: object
      title: Bank Account Details
      x-tags:
      - bank-account-details
      description: Bank account details for receiving money into a Wise Multi-Currency Account.
      properties:
        id:
          type:
          - integer
          - 'null'
          format: int64
          description: Bank account details ID. Returns `null` for preview account details that have not yet been issued.
          example: 14000001
        currency:
          type: object
          description: Currency information for the bank account details.
          properties:
            code:
              type: string
              description: Currency code (ISO 4217 Alphabetic Code).
              example: EUR
            name:
              type: string
              description: Currency name.
              example: Euro
        title:
          type: string
          description: Account title.
          example: Your EUR account details
        subtitle:
          type: string
          description: Account subtitle.
          example: IBAN, SWIFT/BIC
        status:
          type: string
          description: 'Account details status:

            - `AVAILABLE`: Account details do not exist for the user but may be created

            - `ACTIVE`: Account details are ready to be used by this user

            '
          enum:
          - AVAILABLE
          - ACTIVE
          example: ACTIVE
        deprecated:
          type: boolean
          description: When `true`, Wise has issued new account details for the same currency. Users should not use the deprecated account but may still have external references to it.
          example: false
        receiveOptions:
          type: array
          description: 'Available receive options for the given currency:

            - `LOCAL`: Local bank details to receive money in the account currency

            - `INTERNATIONAL`: SWIFT bank details to receive money internationally

            '
          items:
            type: object
            properties:
              type:
                type: string
                description: Receive option type.
                enum:
                - LOCAL
                - INTERNATIONAL
                example: LOCAL
              title:
                type: string
                description: Display title for this receive option.
                example: Local
              description:
                type:
                - object
                - 'null'
                description: Description for this receive option.
                properties:
                  title:
                    type: string
                    description: Description title.
                    example: Your EUR account details
                  body:
                    type: string
                    description: Description body text.
                    example: Receive from a bank in the Eurozone
                  cta:
                    type:
                    - object
                    - 'null'
                    description: Call-to-action details.
                    properties:
                      label:
                        type: string
                        description: CTA label.
                        example: IBAN
                      content:
                        type: string
                        description: CTA content.
                        example: BE12 3456 7890 1234
              details:
                type: array
                description: 'Account details to display to users. This array varies by currency.

                  For example, EUR returns `ACCOUNT_HOLDER`, `SWIFT_CODE`, `IBAN` and `BANK_NAME_AND_ADDRESS`.

                  '
                items:
                  type: object
                  properties:
                    type:
                      type: string
                      description: Account detail type.
                      example: IBAN
                    title:
                      type: string
                      description: Label to display in the UI.
                      example: IBAN
                    body:
                      type: string
                      description: Value to display in the UI.
                      example: BE12 3456 7890 1234
                    description:
                      type:
                      - object
                      - 'null'
                      description: Tooltip/popup hint content when present.
                      properties:
                        title:
                          type: string
                          description: Description title.
                          example: What is an IBAN?
                        body:
                          type: string
                          description: Description body (may contain HTML).
                          example: <p>IBAN stands for International Bank Account Number.</p>
                        cta:
                          type:
                          - object
                          - 'null'
                          description: Call-to-action details.
                          properties:
                            label:
                              type: string
                              description: CTA label.
                              example: IBAN
                            content:
                              type: string
                              description: CTA content.
                              example: BE12 3456 7890 1234
                    hidden:
                      type: boolean
                      description: Whether the field should be hidden in the UI.
                      example: false
        bankFeatures:
          type: array
          description: Features enabled on the account.
          items:
            type: object
            properties:
              key:
                type: string
                description: Feature identifier.
                example: LOCAL_RECEIVE
              title:
                type: string
                description: Human-readable feature name.
                example: Receive locally
              supported:
                type: boolean
                description: Whether the feature is supported.
                example: true
  headers:
    X-External-Correlation-Id:
      x-global: true
      description: Echoed back when `X-External-Correlation-Id` was included in the request. [Learn more](/guides/developer/headers/correlation-id).
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
    x-trace-id:
      x-global: true
      description: Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.
      schema:
        type: string
      example: fba501b6d453b96789f52338f019341f
  responses:
    '429':
      x-global: true
      description: Rate limit exceeded. Retry after the number of seconds specified in the `Retry-After` header.
      headers:
        Retry-After:
          description: Number of seconds to wait before retrying the request.
          schema:
            type: integer
          example: 5
        X-Rate-Limited-By:
          description: Identifies the rate limiter that triggered the 429 response.
          schema:
            type: string
          example: wise-public-api
        X-External-Correlation-Id:
          $ref: '#/components/headers/X-External-Correlation-Id'
        x-trace-id:
          $ref: '#/components/headers/x-trace-id'
      content:
        application/json:
          schema:
            type: object
  securitySchemes:
    UserToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'User Access Token for making API calls on behalf of a Wise user.


        Can be obtained via two OAuth 2.0 flows:

        - **registration_code grant**: For partners creating users via API

        - **authorization_code grant**: For partners using Wise''s authorization page


        Access tokens are valid for 12 hours and can be refreshed using a refresh token.

        '
    PersonalToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Personal API Token for individual personal or small business users.

        Generated from Wise.com > Settings > Connect and manage apps > API tokens.

        Has limited API access compared to OAuth tokens (PSD2 restrictions apply for EU/UK users).

        '
    ClientCredentialsToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Application-level token for partner operations that don''t require a specific user context, such as bulk settlement and card spend controls.


        Obtained via `POST /oauth/token` with Basic Authentication (client-id:client-secret) and `grant_type=client_credentials`.


        Valid for 12 hours. No refresh token — fetch a new token when expired.


        See [create an OAuth token](/api-reference/oauth-token/oauthtokencreate) for details.

        '
    BasicAuth:
      type: http
      scheme: basic
      description: 'Basic Authentication using your Client ID and Client Secret as the username and password.


        Client credentials are provided by Wise when your partnership begins. See [Getting Started](/guides/developer) for details.

        '
x-tagGroups:
- name: Authentication
  tags:
  - oauth-token
- name: Enhanced Security
  tags:
  - jose
- name: Users
  tags:
  - user
  - claim-account
- name: Profiles
  tags:
  - profile
  - activity
  - address
- name: Verification
  tags:
  - kyc-review
  - verification
  - facetec
- name: Strong Customer Authentication
  tags:
  - sca-ott
  - sca-sessions
  - sca-pin
  - sca-facemaps
  - sca-device-fingerprints
  - sca-otp
  - user-security
- name: Balances
  tags:
  - balance
  - balance-statement
  - bank-account-details
  - multi-currency-account
- name: Cards
  tags:
  - card
  - card-sensitive-details
  - 3ds
  - card-kiosk-collection
  - card-order
  - card-transaction
  - spend-limits
  - spend-controls
  - digital-wallet
  - disputes
- name: Quotes
  tags:
  - quote
  - rate
  - comparison
- name: Recipients
  tags:
  - recipient
  - contact
- name: Transfers
  tags:
  - transfer
  - delivery-estimate
  - currencies
  - batch-group
- name: Funding
  tags:
  - payin-deposit-detail
  - direct-debit-account
  - bulk-settlement
  - payins
- name: Webhooks
  tags:
  - webhook
  - webhook-event
- name: Simulations
  tags:
  - simulation
- name: Partner Support
  tags:
  - case