Wise (TransferWise) API Integration & Open Finance

Compliance-ready integration for Wise cross-border payments, multi-currency accounts and real-time rates; runnable API source and documentation delivered.

Starting from $300
Delivery with source code
OpenData · OpenBanking · Protocol Analysis · OpenFinance

Integrate Wise's international payments and multi-currency capabilities securely into your system

We provide authorization protocol analysis and API reconstruction with SDK development for Wise, suitable for accounting synchronization, bulk disbursements, real-time FX rates, and local collection account management. Fully compliant, with sandbox and production delivery.

International transfers & payout flows — enable cross-currency transfer initiation, status tracking, refunds and fee details; supports batch files (CSV/ACH) and webhook callbacks.
Multi-currency wallets & local collections — bind Wise local accounts (GBP/IBAN, EUR, AUD, USD, etc.), synchronize balances and credit notices, automated settlement strategies.
Real-time rates & conversions — fetch mid-market rates, estimated fees, and arrival times for cost calculation and automated FX strategies.
Cards & spending management — integrate card freeze/unfreeze, transaction notifications and spend categorization for corporate/personal cards.
Get a quote View deliverables

What we deliver

Delivery items (example)

  • Interface design and authorization engineering (OAuth2, API Key, webhook security)
  • OpenAPI (Swagger) and sample requests/responses
  • Production-grade runnable back-end code (Node.js / Python / Go) with Docker deployment scripts
  • Automated test scripts and integration test plan
  • Sandbox testing guide, compliance recommendations (KYC/AML, privacy policy) and operations guide

Sample API: Create international transfer (pseudo-code)

# POST /api/v1/wise/create_transfer
POST /api/v1/wise/create_transfer
Content-Type: application/json
Authorization: Bearer <SYSTEM_JWT>

{
  'source_account_id': 'acct_eur_123',
  'target_currency': 'USD',
  'amount': 1250.00,
  'destination': {
    'type':'bank_account',
    'account_holder':'Acme Ltd',
    'iban':'GB33BUKB20201555555555'
  },
  'reference':'Invoice 2025-09'
}

Response: {
  'status': 'PENDING',
  'transfer_id': 'tr_6F3HX',
  'estimated_fee': 5.32,
  'estimated_arrival': '2025-10-02T08:00:00Z'
}

Reconciliation & Webhook example

We deliver automatic reconciliation scripts: periodic transaction pulls (incremental), matching with local books, and monthly Excel/CSV reports; plus webhook callbacks for event-driven reconciliation.

Core benefits

  • Rapid delivery: from protocol analysis to PoC to production, typically 5–12 business days (depends on complexity)
  • Compliance-first: integration based on authorized APIs with KYC/AML guidance
  • Scalable: supports batch transfers, queueed retries and idempotent design
  • Cross-region experience: multi-currency, multi-timezone settlement metadata handling

API integration requirements (what we need from you)

  1. Target use-case: e.g., statement export / card notifications / international transfers
  2. Whether Wise developer account or sandbox credentials exist
  3. Desired output format (JSON / CSV / Excel) and notification method (webhook / email)
  4. Compliance needs (KYC data, data retention) and region constraints

About our studio

We are a technology studio focused on app protocol analysis and authorized API integration. Our team comes from fintech, payments and cloud computing. We deliver runnable source code, OpenAPI docs, automated tests and compliance guidance for global clients.

  • Supports Android / iOS protocol analysis and API integration
  • Deliver runnable code (Python/Node.js/Go) with OpenAPI docs and examples
  • Compliance: privacy, data minimization and NDA support
  • Transparent pricing: starting at $300, pay on delivery/acceptance

Contact us

Ready to start? Visit our contact page to submit your target app and integration requirements.

View contact / Submit requirements

📱 Wise (TransferWise) official app description (collapsed)

Products available depend on where you live. Check wise.com, or download the app, to see what’s available for you.

Make your money work worldwide, for less. 160 countries. 40 currencies.

  • International transfers: send money quickly to 70+ countries with mid-market rates and no hidden fees.
  • Multi-currency cards & accounts: use in 160+ countries with multi-currency holding and instant conversion.
  • Local collections: obtain UK sort code, European IBAN, Australia and other local account details for local-like collect.
  • Keep 40+ currencies: instant conversion, low fees, supports automatic conversion and rate alerts.
  • Business features: handle invoices, bills and connections to Stripe / Xero and other platforms.
  • Compliance: Wise is regulated in many countries; some services are restricted. See wise.com for details.

Note: This is a summary of user-provided app description for technical integration reference.