Wise balance API
Create and manage balance accounts within a multi-currency account.Each profile can hold multiple balance accounts in different currencies. A `STANDARD` balance is limited to one per currency, while `SAVINGS` balances (Jars) allow multiple in the same currency. Creating the first balance for a profile automatically creates the multi-currency account.Balances include an `investmentState` field. Only balances with `NOT_INVESTED` can be operated on via the API. Invested balances should be shown but not actionable.For a complete guide on multi-currency accounts, see [Multi-Currency Accounts](/guides/product/accounts).
Wise balance API is one of 47 APIs that Wise publishes on the APIs.io network, described by a machine-readable OpenAPI specification and an AsyncAPI event-driven specification.
Tagged areas include balance. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an AsyncAPI specification.
This API exposes 12 operations across 10 paths, and defines 3 schemas. It is described by OpenAPI 3.1.0.
Requests are made against 2 base URLs: https://api.wise.com, https://api.wise-sandbox.com.
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 4
Wise balance API declares
4 security schemes
for authenticating requests.
It accepts HTTP bearer tokens (JWT) (UserToken).
It accepts HTTP bearer tokens (JWT) (PersonalToken).
It accepts HTTP bearer tokens (JWT) (ClientCredentialsToken).
It accepts HTTP basic authentication (BasicAuth).
UserToken— User Access Token for making API calls on behalf of a Wise user. Can be obtained via two OAuth 2.0 flows: - registrationcode grant: For partners creating users…PersonalToken— 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…ClientCredentialsToken— 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 /…BasicAuth— Basic Authentication using your Client ID and Client Secret as the username and password. Client credentials are provided by Wise when your partnership begins.…
Paths & Operations 12
Across 10 paths, the API surfaces 12 operations — 1 DELETE, 5 GET, 6 POST. Each is listed below with its method, path, parameters, and response codes.
Create and manage balance accounts within a multi-currency account. Each profile can hold multiple balance accounts in different currencies. A STANDARD balance is limited to one p…
Schemas 3
The contract defines 3 schemas that model the data the API accepts and returns. The most detailed are Balance (13 properties), HoldLimitBreach (8 properties). Each schema is shown below with its type and property counts.
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
More from Wise 12
Other APIs Wise publishes across the network.