verapli
Sign inJoin free
Menu

Guides · payments · Popular APIs

Wise Business API (personal API token)

Verified Wise Business account plus a personal API token for automating your own payouts. Full platform access (OAuth client ID and secret) needs a partnership agreement with Wise.

Researched · not yet run liveLast researched 25 October 2026 · Wise · provider site

Researched, not yet run live. Built from the provider’s official pages (linked below). A person hasn’t walked this flow end to end yet, so check each step against the source.
Do this with verapliJSON for agents

Who owns what

A personal API token belongs to one Wise Business account and acts on that account only. Partners building for their own customers use OAuth 2.0 client credentials issued by Wise instead.

  • Wise Business account organisation owned by the businessMust be verified before going live with the API.
  • Wise sandbox account developeroptional owned by the personSeparate account on wise-sandbox.com; email and password only, no verification.
  • Wise Platform partner integration developeroptional owned by the businessOnly with a partnership agreement; credentials are managed in Developer Hub.

Personal-token accounts do not get Developer Hub access.

Wise recommends separate credentials for sandbox and production.

Have ready

  • A business type and country Wise supports: Wise does not support some trusts, UK limited partnerships, businesses with bearer shares, or prohibited activities.
  • 2-step verification on the Wise account: Required before a personal API token can be created.
  • Business registration number, registered and trading addresses, and details of directors and owners · Wise collects these at sign-up and may ask for proof of registration, trading address and ownership documents. [7]Needed for: Open a Wise Business account, Get the business verified
  • Photo ID for the account administrator and possibly other directors or owners · Wise lists personal ID among the documents its verification team may ask for. [7]Needed for: Get the business verified
  • Recent utility bill, lease or bank statement for the trading address · Wise may ask for proof of the trading address. [7]Needed for: Get the business verified
  • Proof you may open the account if you are not a director (letter of authorisation, power of attorney or board resolution) [7]Needed for: Open a Wise Business account
  • A way to pay the one-time set-up fee, or money for a first transfer · In some regions the fee is mandatory; paying it or funding a transfer triggers the main verification review. [7]Needed for: Get the business verified
  • A device for Wise 2-step verification · You must have 2-step verification set up to create a token. [6]Needed for: Turn on 2-step verification, Create a personal API token

Steps

Steps marked “human step” are ones only you can do: verapli never signs in, submits, pays or accepts terms for you.

  1. Create a Wise sandbox account (optional)optional

    You sign up on wise-sandbox.com with an email and password. No verification is needed and the sandbox comes with test credit. Use only test data there.

    • Guided by hand
    • Human step: You sign in

    Where: https://wise-sandbox.com/

  2. Create a sandbox API token (optional)optional

    In the sandbox account settings, open API tokens and create a token for testing against api.wise-sandbox.com.

    • Guided by hand
    • Human step: You press submit
    • After: Create a Wise sandbox account (optional)

    verapli captures WISE_SANDBOX_API_TOKEN here by plain code: encrypted in your browser, never shown to AI.

  3. Open a Wise Business account

    You register the business yourself and enter its registration number, addresses, industry, online presence and key people. verapli never creates the account for you.

    • Guided by hand
    • Human step: You press submit

    Where: https://wise.com/

  4. Get the business verified

    Paying the one-time fee or setting up a first transfer triggers Wise's main review. Wise may email you for documents; upload them only through the link Wise sends or an official prompt in your account.

    • Guided by hand
    • Human step: The provider reviews it
    • After: Open a Wise Business account
    The provider says
    Review of extra information or documents usually takes up to 10 working days. [7]
    If something goes wrong (1)
    • Wise asks for more documents: Check your inbox and spam folder for an email from a Wise.com address and reply with exactly what it asks for. [7]

  5. Turn on 2-step verification

    Set up 2-step verification on the business account. A token cannot be created without it.

    • Guided by hand
    • Human step: You enter a 2-step code
    • After: Open a Wise Business account

  6. Create a personal API token

    On the Wise website (not the app), go to Your Account, Connect and manage apps, API tokens, then Add new token. Complete 2-step verification. The token is shown only once.

    • Guided by hand
    • Human step: You enter a 2-step code
    • After: Get the business verified, Turn on 2-step verification

    verapli captures WISE_API_TOKEN here by plain code: encrypted in your browser, never shown to AI.

    Where: https://wise.com/

  7. Partner onboarding for full platform access (optional)optional

    If you need more than the personal-token endpoints, or you are building for your own customers, contact Wise about a partnership agreement. Wise issues a client ID and secret per environment and Developer Hub access; OAuth also needs mTLS and a redirect URL.

    • Guided by hand
    • Human step: The provider reviews it
    • After: Open a Wise Business account

    verapli captures WISE_CLIENT_SECRET here by plain code: encrypted in your browser, never shown to AI.

Terms and gotchas

Plain-English summary, not legal advice. Each card links its source.

Can get you bannedThe rules say

Personal tokens cannot fund transfers in the UK or EEA

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. [1]

Can cost moneyThe rules say

PSD2 strong customer authentication

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. [5]

Can cost moneyThe rules say

Personal tokens are not for building products for others

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. [2]

Can get you bannedThe rules say

Unsupported businesses

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. [9]

Can cost moneyThe rules say

Some business types are not supported

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. [8]

Worth knowingThe rules say

Token stays live until you revoke it

Personal API tokens remain active until revoked. Revoke and regenerate a token if you think it is compromised. [1]

What you end up with

Env varSecretFormatWhat it is
WISE_API_TOKENsecretPersonal API token for the Wise Business account (production, api.wise.com)
WISE_SANDBOX_API_TOKENsecretPersonal API token for the Wise sandbox (api.wise-sandbox.com)
WISE_CLIENT_IDnot secretPartner client ID issued by Wise during onboarding (partners only)
WISE_CLIENT_SECRETsecretPartner client secret issued by Wise during onboarding (partners only)

Pricing

  • 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.
  • Fees and whether the set-up fee is mandatory vary by region. No separate fee for the API was found. [to verify]

Source [10]

For agents

The same entry as JSON: /api/v1/entries/wise/business-api · requirements /api/v1/requirements/wise/business-api · terms /api/v1/terms/wise/business-api.

Remote MCP (read-only, no auth)
claude mcp add --transport http verapli https://verapli.com/mcp

> "What do I need for Wise Business API (personal API token), and how long will it take?"
  → tools/call requirements { "provider_id": "wise/business-api" }

Sources

  1. Wise Platform – Personal API tokens How to create, use and revoke a personal API token; endpoint limits; funding and statements only supported for US, CA, AU, NZ, SG and MY accounts; token shown once; tokens stay active until revoked; production and sandbox base URLs · accessed 25 October 2026 · official
  2. Wise Platform – Security and access OAuth 2.0 for partner accounts needs a partnership agreement and mTLS; partners get a client ID, client secret and Developer Hub access; personal tokens are for SMBs automating their own account · accessed 25 October 2026 · official
  3. Wise Platform – Getting started with Wise API Client ID and secret are issued per environment during partner onboarding; Developer Hub URLs; personal-token accounts have no Developer Hub access; sandbox and production base URLs · accessed 25 October 2026 · official
  4. Wise Platform – Sandbox and Production environments Sandbox UI and API URLs; sandbox has no real money and only test data should be used · accessed 25 October 2026 · official
  5. Wise Platform – Strong Customer Authentication & 2FA SCA is a PSD2 requirement; funding from a multi-currency account or retrieving a statement needs SCA in the UK and EEA; SCA applies to profiles outside US, AU, NZ, SG, CA, MY; 403 on SCA-protected endpoints · accessed 25 October 2026 · official
  6. Wise Help Centre – Getting started with the API Sandbox needs only an email and password, no verification, and is pre-funded with test credit; 2-step verification is required to create a token; not available in the app; new business accounts must be verified before going live · accessed 25 October 2026 · official
  7. Wise Help Centre – How can I verify my business? Sign-up details, one-time fee or first transfer triggers review, documents commonly requested, country-specific requirements, review usually up to 10 working days · accessed 25 October 2026 · official
  8. Wise Help Centre – Can my business use Wise? Supported and unsupported business types (trusts, UK limited partnerships, bearer shares, prohibited activities) · accessed 25 October 2026 · official
  9. Wise – Acceptable Use Policy (UK, last updated 25 March 2026) Restricted activities and unsupported businesses and transactions · accessed 25 October 2026 · official
  10. Wise Business pricing (UK) Free registration; 50 GBP set-up fee for all Wise Business features; send and convert fees from 0.24% · accessed 25 October 2026 · official

Provider rules change. This page is generated from verapli registry version 2026.1025.316; spotted something out of date? Tell us. Wise is not affiliated with verapli.