Additional Customer Verification
In certain situations, additional evidence is required to verify customers and ensure we’re compliant with the KYC regulations.
Additional Verification APIs support a list of evidences that can be found here.
If you use the Customer Account with Partner KYC model and your customers are primarily based in the EU, refer to this Onboarding EU customers guide for instructions on how to use these APIs.
If you use the Customer Account with Partner KYC model and you are onboarding high risk business customers based primarily based in the US, refer to this Onboarding High Risk US Businesses guide for instructions on how to use these APIs.
POST /v3/profiles/{{profileId}}/additional-verification/upload-evidences
Use upload-evidences endpoint to submit evidence for review.
Note that the set of supported fields are different for business and consumer profiles.
Allowed values:
MOVING_SAVINGSSENDING_MONEY_TO_FRIENDS_OR_FAMILYGENERAL_LIVING_EXPENSESBUYING_GOODS_OR_SERVICES_ABROADPAYING_FOR_MORTGAGE_OR_LOANPAYING_BILLSRECEIVING_SALARY_OR_PENSIONINVESTING
Additional reasons and specific examples for using Wise account. This is a free-text field.
List of iso3 country codes.
Check the lists of countries you can send money to with Wise.
Values are in Euros. Allowed values:
0_23502351_60006001_1150011501_6000060001_175000175001_+
Must be submitted with annualIncome. Allowed values:
SALARYINVESTMENTSPENSIONINHERITANCELOANOTHER
Must be submitted with mainSourceOfIncome. Values are in Euros. Allowed values:
0_1150011501_1900019001_2850028501_4750047501_7500075001_+
Additional ways you earn money that were not identified in the provided documents. This is a free-text field.
Allowed values:
INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILARDISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDSPAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDITPAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROADPAYING_RENT_OR_UTILITIESPAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEESPAYING_TAX_ON_PROFIT_OR_PROPERTYTRANSFER_WITHIN_COMPANY_OR_GROUPRECEIVE_INVESTMENTS_OR_FUNDSRECEIVE_PAYMENTS_FROM_CLIENTSDONATIONOTHER
List of iso3 country codes. Check the lists of countries you can send money to with Wise.
Allowed values:
REVENUEBUSINESS_LOANFUNDING_AND_SHAREHOLDER_INVESTMENTSINVESTMENT_INCOMEDONATIONSGRANTSOTHER
Values are in Euros. Allowed values:
0_12001201_60006001_1200012001_6000060001_120000120001_235000235001_600000600001_12000001200001_60000006000001_1200000012000001_+
Possible HTTP status codes
Evidence successfully uploaded.
Invalid request payload (e.g. no evidence, misspelled evidence, unexpected value).
Invalid evidence is populated in the response message.
Note that correct evidence might be successfully uploaded.
The client is not authorized to perform this request.
One or more evidences are already uploaded and can't be re-submitted without an agent review.
Unacceptable evidence is populated in the response message.
{"accountPurpose" : "MOVING_SAVINGS","intendedCountries" : ["deu", "esp"],"yearlyAnticipatedVolume" : "0_2350","mainSourceOfIncome" : "SALARY","annualIncome": "0_11500"}
{"businessUseCase" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"],"intendedCountries" : ["deu", "esp"],"monthlyAnticipatedVolume" : "0_1200","mainSourceOfFunding": "BUSINESS_LOAN"}
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/additional-verification/upload-evidences' \-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"}'
POST /v3/profiles/{{profileId}}/verification-status/upload-document
Use upload-document to provide verification documents for review. You can upload multiple files at once.
A valid document must fulfil these requirements:
- The document must be clear.
- The document needs to be a .jpg, .png., or .pdf file type up to 10MB in size.
Read our guide on Source of Wealth document to find more information.
Possible HTTP status codes
Document successfully uploaded.
Document cannot be uploaded in the system in the current format. Check file size and extension.
The client is not authorized to perform this request.
Document is already uploaded and can't be re-submitted before a review.
Requested file size is too large.
Request payload is in an unsupported format. This endpoint expects content-type to be multipart/form-data with correctly populated boundary value.
curl -L -X POST 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/upload-document' \-H 'Authorization: Bearer <user access token>' \-H 'Content-Type: application/json' \-F 'files=@"/Users/test/file.png"'
GET /v3/profiles/{{profileId}}/verification-status/required-evidences
Fetches the required evidences for a profile to complete additional customer verification.
If one or more evidences are returned, then the customer should submit those evidences with the help of the section below.
curl -X GET 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/required-evidences' \-H 'Authorization: Bearer <user access token>'
{"required_evidences": ["SOURCE_OF_WEALTH", "INCOME", "USE_CASE_COUNTRIES"]}
Evidences are pieces of data required by Wise to review and verify customers.
Additional Verification APIs supports the following list of evidences.
Primary purpose of using Wise account.
Submit this using the accountPurpose field in
Additional reasons and specific examples for using Wise account. This is a free-text field.
Submit this using the field accountPurposeExplanation in
Submit your yearly anticipated volume using the field yearlyAnticipatedVolume in
Provide your income using the fields annualIncome and mainSourceOfIncome in
Additional ways you earn money that were not identified in the provided documents. Provide this explanation using the field incomeExplanation in
List of iso3 country codes that your customer intend to send and receive money from. Check the lists of countries you can send money to with Wise.
Submit this using the field intendedCountries in
A document detailing source of wealth according to specified main source of income. See the table here for a list of acceptable documents.
Upload the document using
Main source of wealth for the business.
Provide source of funding of your business using the field mainSourceOfFunding in
Monthly anticipated volume of your business.
Submit this using the field monthlyAnticipatedVolume in
The main use case for which your business wants to use Wise. Submit this using the field businessUseCase in
List of iso3 country codes that your customer intend to send and receive money from. Check the lists of countries you can send money to with Wise.
Submit this using the field intendedCountries in
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