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.

Payload for consumers
accountPurposetext

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
intendedCountriesarray of text

List of iso3 country codes.

Check the lists of countries you can send money to with Wise.

yearlyAnticipatedVolumetext

Values are in euros. Possible values include:

  • 0_2350
  • 2351_6000
  • 6001_11500
  • 11501_60000
  • 60001_175000
  • 175001_+
mainSourceOfIncometext

Possible values include:

  • SALARY
  • INVESTMENTS
  • PENSION
  • INHERITANCE
  • LOAN
  • OTHER
annualIncometext

Values are in euros. Possible values include:

  • 0_11500
  • 11501_19000
  • 19001_28500
  • 28501_47500
  • 47501_75000
  • 75001_+
Payload for business customers
businessUsetext

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
intendedCountriesarray of text

List of iso3 country codes. Check the lists of countries you can send money to with Wise.

mainSourceOfFundingtext

Possible values include:

  • BUSINESS_ACTIVITIES
  • INVESTMENTS
  • LOAN_OR_OTHER_FINANCING
  • DONATION
  • GRANTS
  • OTHER
monthlyAnticipatedVolumetext

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_+
Response

Returns a 204 response - No Content

Example payload for Consumers
{
"accountPurpose" : "MOVING_SAVINGS",
"intendedCountries" : ["deu", "esp"],
"yearlyAnticipatedVolume" : "0_2350",
"mainSourceOfIncome" : "SALARY",
"annualIncome": "0_11500"
}
Example Payload for Business
{
"businessUse" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"],
"intendedCountries" : ["deu", "esp"],
"monthlyAnticipatedVolume" : "0_1200",
"mainSourceOfFunding": "BUSINESS_ACTIVITIES"
}
Example request for Consumer
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.

Payload
incomeExplanationstring

Explanation for income

accountPurposeExplanationstring

Explanation for account purpose

Example request
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

Evidence
SOURCE_OF_WEALTH

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

INCOME

Provide your annual income and primary source of income using the fields annualIncome and mainSourceOfIncome in

USE_CASE_COUNTRIES

Provide the countries intended to send and receive money from using the field intendedCountries in

ANNUAL_VOLUME

Provide your yearly anticipated volume using the field yearlyAnticipatedVolume (for personal profile) and monthlyAnticipatedVolume (for business profile) in

INCOME_EXPLANATION

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

ACCOUNT_PURPOSE_EXPLANATION

To finish our checks, please give specific examples about what you use us for using the field accountPurposeExplanation in

For business profile

Evidence
SOURCE_OF_WEALTH

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

BUSINESS_SOURCE_OF_WEALTH

Provide source of funding of your business using the field mainSourceOfFunding in

USE_CASE_COUNTRIES

Provide the countries intended to send and receive money from using the field intendedCountries in

BUSINESS_MONTHLY_VOLUME

Provide Monthly anticipated volume of your business using the field monthlyAnticipatedVolume in

BUSINESS_USE_CASE

Provide use case for your business using the field businessUse in

Example request
curl -X GET 'https://api.sandbox.transferwise.tech/v3/profiles/{{profileId}}/verification-status/required-evidences' \
-H 'Authorization: Bearer <user access token>'
Example Response
{
"required_evidences": []
}