{"registry_version":"2026.1025.387","generated_at":"2026-10-25T06:27:00Z","content_sha256":"089d16f627d9365e3d0663cc8069203706d7cb23a76c332226e29686968811a5","signed":true,"signature":{"key_id":"ed25519:74ca19268e364242","algorithm":"ed25519","expires_at":"2026-11-24T06:27:09Z","expired":false,"manifest":"/registry/manifest.json"},"id":"wise/business-api","name":"Wise Business API (personal API token)","status":"researched","last_verified":null,"last_researched":"2026-10-25","disclaimer":"Plain-English summary of the provider’s rules and of what people report. Not legal advice.","terms":[{"kind":"rules_say","kind_label":"The rules say","severity":"red","severity_label":"Can get you banned","title":"Personal tokens cannot fund transfers in the UK or EEA","text":"Personal API tokens can create quotes, recipients, transfers and batch groups and track transfer events. Funding transfers and retrieving balance statements by API are supported only for accounts based in the US, Canada, Australia, New Zealand, Singapore and Malaysia.","source_url":"https://docs.wise.com/guides/developer/auth-and-security/personal-api-token","source_title":"Wise Platform – Personal API tokens","accessed":"2026-10-25"},{"kind":"rules_say","kind_label":"The rules say","severity":"amber","severity_label":"Can cost money","title":"PSD2 strong customer authentication","text":"In the UK and EEA, funding from a multi-currency account or retrieving a statement needs SCA. SCA-protected endpoints first answer 403 and must be retried with stronger authentication. Wise may also enforce SCA on other endpoints based on risk.","source_url":"https://docs.wise.com/guides/developer/auth-and-security/sca-and-2fa","source_title":"Wise Platform – Strong Customer Authentication & 2FA","accessed":"2026-10-25"},{"kind":"rules_say","kind_label":"The rules say","severity":"amber","severity_label":"Can cost money","title":"Personal tokens are not for building products for others","text":"Personal tokens are for SMBs automating their own business account. OAuth 2.0 is for partners building apps for their customers, and needs a partnership agreement and mTLS.","source_url":"https://docs.wise.com/guides/developer/auth-and-security","source_title":"Wise Platform – Security and access","accessed":"2026-10-25"},{"kind":"rules_say","kind_label":"The rules say","severity":"red","severity_label":"Can get you banned","title":"Unsupported businesses","text":"Wise does not support businesses or transactions involving, among others, adult content, retail alcohol sales, tobacco, cannabis and CBD, online pharmacies, counterfeit goods, gambling, crypto exchange or trading, money service businesses and payment processing, escrow, and unlicensed financial services. The list is not exhaustive and Wise may refuse customers outside its risk tolerance.","source_url":"https://wise.com/gb/legal/acceptable-use-policy","source_title":"Wise – Acceptable Use Policy (UK, last updated 25 March 2026)","accessed":"2026-10-25"},{"kind":"rules_say","kind_label":"The rules say","severity":"amber","severity_label":"Can cost money","title":"Some business types are not supported","text":"Wise does not work for trusts outside the listed countries, UK Scottish, English and Northern Ireland limited partnerships (new registrations), businesses with bearer shares, or businesses dealing in goods or services relating to Cuba with US relations.","source_url":"https://wise.com/help/articles/2977974/can-my-business-use-wise","source_title":"Wise Help Centre – Can my business use Wise?","accessed":"2026-10-25"},{"kind":"rules_say","kind_label":"The rules say","severity":"yellow","severity_label":"Worth knowing","title":"Token stays live until you revoke it","text":"Personal API tokens remain active until revoked. Revoke and regenerate a token if you think it is compromised.","source_url":"https://docs.wise.com/guides/developer/auth-and-security/personal-api-token","source_title":"Wise Platform – Personal API tokens","accessed":"2026-10-25"}],"renewals":[],"pricing_notes":{"free_tier":"Registering a Wise account is free; the sandbox is free and pre-funded with test credit.","costs":"A one-time 50 GBP set-up fee unlocks all Wise Business features (UK pricing). Sending and converting money costs from 0.24%, varying by currency.","notes":"Fees and whether the set-up fee is mandatory vary by region. No separate fee for the API was found. [to verify]","source_url":"https://wise.com/gb/pricing/business"},"guide_url":"https://verapli.com/guides/wise/business-api"}