Additional Customer Verification
Sometimes, additional customer verification is required to ensure we’re compliant with the KYC regulations.
Refer to our additional-customer-verification guide for detailed instructions.
Account Purpose
POST /v3/profiles/{{profileId}}/verification-status/account-purpose
Use account-purpose endpoint to submit customer information for review. We will use this to perform an initial check before either verifying the customer, or requesting more information.
Successful verification will be returned within a few seconds. Unsuccessful verification will create a case for our team to review, so it can take longer to receive an update.
Note that the required account purpose information is different for business and consumer profiles.
Possible values include:
MOVING_SAVINGS
SENDING_MONEY_TO_FRIENDS_OR_FAMILY
GENERAL_LIVING_EXPENSES
BUYING_GOODS_OR_SERVICES_ABROAD
PAYING_FOR_MORTGAGE_OR_LOAN
PAYING_BILLS
RECEIVING_SALARY_OR_PENSION
INVESTING
List of iso3 country codes.
Check the lists of countries you can send money to with Wise.
Values are in euros. Possible values include:
0_2350
2351_6000
6001_11500
11501_60000
60001_175000
175001_+
Possible values include:
SALARY
INVESTMENTS
PENSION
INHERITANCE
LOAN
OTHER
Values are in euros. Possible values include:
0_11500
11501_19000
19001_28500
28501_47500
47501_75000
75001_+
Possible values include:
INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR
DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS
PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT
PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD
PAYING_RENT_OR_UTILITIES
PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES
PAYING_TAX_ON_PROFIT_OR_PROPERTY
TRANSFER_WITHIN_COMPANY_OR_GROUP
RECEIVE_INVESTMENTS_OR_FUNDS
RECEIVE_PAYMENTS_FROM_CLIENTS
DONATION
OTHER
List of iso3 country codes. Check the lists of countries you can send money to with Wise.
Possible values include:
BUSINESS_ACTIVITIES
INVESTMENTS
LOAN_OR_OTHER_FINANCING
DONATION
GRANTS
OTHER
Values are in euros. Possible values include:
0_1200
1201_6000
6001_12000
12001_60000
60001_120000
120001_235000
235001_600000
600001_1200000
1200001_6000000
6000001_12000000
12000001_+
Returns a 204 response - No Content
{"accountPurpose" : "MOVING_SAVINGS","intendedCountries" : ["deu", "esp"],"yearlyAnticipatedVolume" : "0_2350","mainSourceOfIncome" : "SALARY","annualIncome": "0_11500"}
{"businessUse" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"],"intendedCountries" : ["deu", "esp"],"monthlyAnticipatedVolume" : "0_1200","mainSourceOfFunding": "BUSINESS_ACTIVITIES"}
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/account-purpose' \-H 'Authorization: Bearer <user access token>' \-H 'Content-Type: application/json' \-d '{"accountPurpose": "MOVING_SAVINGS","intendedCountries": ["deu","esp"],"yearlyAnticipatedVolume": "0_1200","mainSourceOfIncome": "SALARY","annualIncome": "0_11500"}'
Upload Document
POST /v3/profiles/{{profileId}}/verification-status/upload-document
Use upload-document to provide verification documents for review.
You'll need to do this when asked for a 'SOURCE_OF_WEALTH' evidence in cdd-check-state-change webhook.
Here are the requirements for documents that can be uploaded:
- The document must be clear.
- The document needs to be a .jpg, .png., or .pdf file type up to 10MB in size.
Visit our guide on Source of Wealth document to find more information about this commonly required document.
Upload Explanation
POST /v3/profiles/{{profileId}}/verification-status/upload-explanation
Use upload-explanation to provide more detailed information about how your customer will use Wise, or their income.
You'll need to do this when asked for a 'INCOME_EXPLANATION' or 'ACCOUNT_PURPOSE_EXPLANATION' evidence in the cdd-check-state-change webhook.
Explanation for income
Explanation for account purpose
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/upload-explanation' \-H 'Authorization: Bearer <user access token>' \-H 'Content-Type: application/json' \-d '{"incomeExplanation": "I have additional income coming from my shares","accountPurposeExplanation": "I intend to use Wise to send money to my Grandpa"}'
Required Evidences
GET /v3/profiles/{{profileId}}/verification-status/required-evidences
Fetches the required evidences for a profile to complete additional customer verification.
Evidences are documents or data points that may be required to perform the additional verification for the customer.
Use required-evidences, before a transfer is created, to get required evidence types for your customer. If one or more evidences are returned, then the customer should submit those via following endpoints:
For personal profile
Upload a source of wealth document according on the source of income provided. See the table here for a list of acceptable documents.
Upload the document using
Provide your annual income and primary source of income using the fields annualIncome
and mainSourceOfIncome
in
Provide the countries intended to send and receive money from using the field intendedCountries
in
Provide your yearly anticipated volume using the field yearlyAnticipatedVolume
(for personal profile) and monthlyAnticipatedVolume
(for business profile) in
We couldn't verify your usage from the document you uploaded. If there is another way you earn money, please provide relevant details using the field incomeExplanation
in
To finish our checks, please give specific examples about what you use us for using the field accountPurposeExplanation
in
For business profile
Upload a source of wealth document according on the source of funding provided. See the table here for a list of acceptable documents.
Upload the document using
Provide source of funding of your business using the field mainSourceOfFunding
in
Provide the countries intended to send and receive money from using the field intendedCountries
in
Provide Monthly anticipated volume of your business using the field monthlyAnticipatedVolume
in
Provide use case for your business using the field businessUse
in
curl -X GET 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/required-evidences' \-H 'Authorization: Bearer <user access token>'
{"required_evidences": []}