# Wise API

> Wise returns exchange rates, transfer cost comparisons, SWIFT/BIC codes, and IBAN checks as a workflow and API.

Wise returns mid-market rates, converted amounts, and optional daily rate history for a source and destination currency pair. Compare transfer costs by entering an amount and currency pair, with an optional sending country. Search SWIFT/BIC codes by bank and country, or check an IBAN to assess its format and find bank details Wise shows.

- Page: https://fous.com/workflows/wise
- Handle: `@wise`
- Category: [Finance](https://fous.com/workflows/category/finance)
- Source website: https://wise.com
- Last verified: Sep 28, 2026
- Fous is not affiliated with Wise.

## Methods

### Check IBAN

Operation `check_iban`, version 1. 1 credit per call.

Check an IBAN’s country length and check digits, then find bank details shown by Wise. A valid format does not confirm the account exists; branch names may be unavailable.

**Input**

| Field | Type | Required | Example | Description |
|---|---|---|---|---|
| `iban` | string | yes | `"DE89370400440532013000"` | IBAN as printed on an invoice or bank letter, with or without spaces; for example GB33 BUKB 2020 1555 5555 55. |

**Input schema**

```json
{
  "type": "object",
  "required": [
    "iban"
  ],
  "properties": {
    "iban": {
      "type": "string",
      "description": "IBAN as printed on an invoice or bank letter, with or without spaces; for example GB33 BUKB 2020 1555 5555 55.",
      "examples": [
        "DE89370400440532013000",
        "GB33 BUKB 2020 1555 5555 55",
        "DE8937040044053201300"
      ]
    }
  },
  "additionalProperties": false,
  "examples": [
    {
      "iban": "DE89370400440532013000"
    },
    {
      "iban": "GB33 BUKB 2020 1555 5555 55"
    },
    {
      "iban": "DE8937040044053201300"
    }
  ]
}
```

**Output**

| Field | Type | Example | Description |
|---|---|---|---|
| `valid` | boolean | `true` | Whether the IBAN passes country length and check-digit checks. |
| `reason` | string or null | `"Wrong length for Germany: expected 22 characters."` | Plain-language explanation when invalid; otherwise null. |
| `country` | string or null | `"Germany"` | Country name for the IBAN prefix, if recognized. |
| `page_url` | string | `"https://wise.com/gb/iban/checker"` | Wise checker page link. |
| `bank_code` | string or null | `"37040044"` | Bank identifier from the IBAN as shown by Wise, if available. |
| `bank_name` | string or null | `"COMMERZBANK AG"` | Bank name Wise identifies, if available. |
| `branch_name` | string or null |  | Branch name if Wise provides one. |
| `bic_swift_code` | string or null | `"COBADEFFXXX"` | BIC/SWIFT code if Wise provides one. |
| `branch_address` | string or null | `"KAISERSTRASSE 16, FRANKFURT AM MAIN, GERMANY"` | Bank or branch address shown by Wise, if available. |
| `formatted_iban` | string | `"DE89 3704 0044 0532 0130 00"` | Uppercase IBAN grouped in blocks of four. |

**Example input**

```json
{
  "iban": "DE89370400440532013000"
}
```

**Example output**

```json
{
  "valid": true,
  "reason": null,
  "country": "Germany",
  "page_url": "https://wise.com/gb/iban/checker",
  "bank_code": "37040044",
  "bank_name": "COMMERZBANK AG",
  "branch_name": null,
  "bic_swift_code": "COBADEFFXXX",
  "branch_address": "KAISERSTRASSE 16, FRANKFURT AM MAIN, GERMANY",
  "formatted_iban": "DE89 3704 0044 0532 0130 00"
}
```

### Compare transfer costs

Operation `compare_transfer_costs`, version 1. 1 credit per call.

Compare how much recipients get from Wise and other providers for a transfer amount and currency pair. Quotes and delivery estimates are only shown where Wise publishes them.

**Input**

| Field | Type | Required | Example | Description |
|---|---|---|---|---|
| `amount` | number | yes | `1000` | Amount to send in the from currency, for example 1000. |
| `to_currency` | string | yes | `"Mexican peso"` | Currency name or three-letter code to receive, for example Mexican peso or MXN. |
| `from_currency` | string | yes | `"USD"` | Currency name or three-letter code to send, for example USD or US dollar. |
| `sending_country` | string | no | `"GB"` | Country name or two-letter code where the money is sent from, for example United States or US. Defaults to the home country of the from currency. |

**Input schema**

```json
{
  "type": "object",
  "required": [
    "amount",
    "from_currency",
    "to_currency"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "description": "Amount to send in the from currency, for example 1000.",
      "exclusiveMinimum": 0,
      "examples": [
        1000,
        2000
      ]
    },
    "to_currency": {
      "type": "string",
      "description": "Currency name or three-letter code to receive, for example Mexican peso or MXN.",
      "examples": [
        "Mexican peso",
        "EUR"
      ]
    },
    "from_currency": {
      "type": "string",
      "description": "Currency name or three-letter code to send, for example USD or US dollar.",
      "examples": [
        "USD",
        "British pound"
      ]
    },
    "sending_country": {
      "type": "string",
      "default": "",
      "description": "Country name or two-letter code where the money is sent from, for example United States or US. Defaults to the home country of the from currency.",
      "examples": [
        "GB"
      ]
    }
  },
  "additionalProperties": false,
  "examples": [
    {
      "amount": 1000,
      "to_currency": "Mexican peso",
      "from_currency": "USD"
    },
    {
      "amount": 2000,
      "to_currency": "EUR",
      "from_currency": "British pound",
      "sending_country": "GB"
    }
  ]
}
```

**Output**

| Field | Type | Example | Description |
|---|---|---|---|
| `amount` | number | `1000` |  |
| `providers` | array |  |  |
| `providers[].page_url` | string | `"https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=MXN&sendAmount=1000#comparison-table"` |  |
| `providers[].transfer_fee` | number or null | `7.67` |  |
| `providers[].delivery_time` | string or null | `"1 second"` |  |
| `providers[].exchange_rate` | number or null | `17.9771` |  |
| `providers[].provider_name` | string | `"Wise"` |  |
| `providers[].recipient_gets` | number or null | `17839.22` |  |
| `providers[].quote_collected_date` | string or null | `"2026-09-28"` |  |
| `providers[].exchange_rate_markup_percent` | number or null | `0` |  |
| `to_currency` | string | `"MXN"` |  |
| `from_currency` | string | `"USD"` |  |
| `mid_market_rate` | number | `17.9771` |  |
| `sending_country` | string | `"US"` |  |

**Example input**

```json
{
  "amount": 1000,
  "to_currency": "Mexican peso",
  "from_currency": "USD"
}
```

**Example output**

```json
{
  "amount": 1000,
  "providers": [
    {
      "page_url": "https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=MXN&sendAmount=1000#comparison-table",
      "transfer_fee": 7.67,
      "delivery_time": "1 second",
      "exchange_rate": 17.9771,
      "provider_name": "Wise",
      "recipient_gets": 17839.22,
      "quote_collected_date": "2026-09-28",
      "exchange_rate_markup_percent": 0
    },
    {
      "page_url": "https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=MXN&sendAmount=1000#comparison-table",
      "transfer_fee": 1.99,
      "delivery_time": null,
      "exchange_rate": 17.7593009479,
      "provider_name": "Western Union",
      "recipient_gets": 17723.96,
      "quote_collected_date": "2026-09-26",
      "exchange_rate_markup_percent": 1.21098655
    },
    {
      "page_url": "https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=MXN&sendAmount=1000#comparison-table",
      "transfer_fee": 0,
      "delivery_time": null,
      "exchange_rate": 17.3893850244,
      "provider_name": "Wells Fargo",
      "recipient_gets": 17389.39,
      "quote_collected_date": "2026-09-25",
      "exchange_rate_markup_percent": 3.26870432
    }
  ],
  "to_currency": "MXN",
  "from_currency": "USD",
  "mid_market_rate": 17.9771,
  "sending_country": "US"
}
```

### Get exchange rate

Operation `get_exchange_rate`, version 1. 1 credit per call.

Get Wise’s current mid-market exchange rate, converted amount, and optional daily rate history for two currencies. Historical rates are daily observations.

**Input**

| Field | Type | Required | Example | Description |
|---|---|---|---|---|
| `amount` | number | no | `100` | Amount to convert from the source currency, for example 100. |
| `history` | string | no | `"last_week"` | Period of daily rate history to return, for example last_month. |
| `to_currency` | string | yes | `"USD"` | Currency name or three-letter code, for example US dollar or USD. |
| `from_currency` | string | yes | `"British pound"` | Currency name or three-letter code, for example British pound or GBP. |

**Input schema**

```json
{
  "type": "object",
  "required": [
    "from_currency",
    "to_currency"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "default": 1,
      "description": "Amount to convert from the source currency, for example 100.",
      "examples": [
        100,
        25
      ]
    },
    "history": {
      "enum": [
        "none",
        "last_week",
        "last_month",
        "last_6_months",
        "last_year",
        "last_5_years"
      ],
      "type": "string",
      "default": "none",
      "description": "Period of daily rate history to return, for example last_month.",
      "examples": [
        "last_week",
        "last_month"
      ]
    },
    "to_currency": {
      "type": "string",
      "description": "Currency name or three-letter code, for example US dollar or USD.",
      "examples": [
        "USD",
        "Japanese yen",
        "CAD"
      ]
    },
    "from_currency": {
      "type": "string",
      "description": "Currency name or three-letter code, for example British pound or GBP.",
      "examples": [
        "British pound",
        "EUR",
        "USD"
      ]
    }
  },
  "additionalProperties": false,
  "examples": [
    {
      "amount": 100,
      "history": "last_week",
      "to_currency": "USD",
      "from_currency": "British pound"
    },
    {
      "amount": 25,
      "history": "last_month",
      "to_currency": "Japanese yen",
      "from_currency": "EUR"
    },
    {
      "to_currency": "CAD",
      "from_currency": "USD"
    }
  ]
}
```

**Output**

| Field | Type | Example | Description |
|---|---|---|---|
| `history` | array |  | Daily rate observations, oldest first; empty when no history is requested. |
| `history[].date` | string | `"2026-09-21"` |  |
| `history[].rate` | number | `1.339` |  |
| `rate_time` | string | `"2026-09-28T22:57:00.652000+00:00"` | Time of the current rate, with offset. |
| `mid_market_rate` | number | `1.3254` | Units of the destination currency per one source currency unit. |
| `converted_amount` | number | `132.54` | Converted amount in the destination currency, rounded to two decimal places. |
| `to_currency_code` | string | `"USD"` | Destination currency code. |
| `to_currency_name` | string | `"United States dollar"` | Destination currency name. |
| `from_currency_code` | string | `"GBP"` | Source currency code. |
| `from_currency_name` | string | `"British pound"` | Source currency name. |
| `wise_converter_link` | string | `"https://wise.com/gb/currency-converter/gbp-to-usd-rate?amount=100"` | Wise converter page for this pair. |
| `converted_currency_code` | string | `"USD"` | Currency of the converted amount. |

**Example input**

```json
{
  "amount": 100,
  "history": "last_week",
  "to_currency": "USD",
  "from_currency": "British pound"
}
```

**Example output**

```json
{
  "history": [
    {
      "date": "2026-09-21",
      "rate": 1.339
    },
    {
      "date": "2026-09-22",
      "rate": 1.33685
    },
    {
      "date": "2026-09-23",
      "rate": 1.3343
    }
  ],
  "rate_time": "2026-09-28T22:57:00.652000+00:00",
  "mid_market_rate": 1.3254,
  "converted_amount": 132.54,
  "to_currency_code": "USD",
  "to_currency_name": "United States dollar",
  "from_currency_code": "GBP",
  "from_currency_name": "British pound",
  "wise_converter_link": "https://wise.com/gb/currency-converter/gbp-to-usd-rate?amount=100",
  "converted_currency_code": "USD"
}
```

### Search swift codes

Operation `search_swift_codes`, version 1. 1 credit per call.

Find SWIFT/BIC codes and branch locations for a bank in a country on Wise. Branch names are shown when available; results are limited to the chosen bank.

**Input**

| Field | Type | Required | Example | Description |
|---|---|---|---|---|
| `bank` | string | yes | `"Chase"` | Bank name, such as Barclays. |
| `country` | string | yes | `"US"` | Country name or two-letter code, such as United Kingdom or GB. |
| `max_results` | integer | no | `5` | Maximum number of codes to return, such as 20. |
| `city_or_branch` | string | no | `"New York"` | Optional city, address, postcode, branch name or SWIFT code to narrow results, such as London. |

**Input schema**

```json
{
  "type": "object",
  "required": [
    "bank",
    "country"
  ],
  "properties": {
    "bank": {
      "type": "string",
      "description": "Bank name, such as Barclays.",
      "examples": [
        "Chase",
        "Barclays",
        "123 DEX LTD"
      ]
    },
    "country": {
      "type": "string",
      "description": "Country name or two-letter code, such as United Kingdom or GB.",
      "examples": [
        "US",
        "United Kingdom",
        "GB"
      ]
    },
    "max_results": {
      "type": "integer",
      "default": 20,
      "maximum": 100,
      "minimum": 1,
      "description": "Maximum number of codes to return, such as 20.",
      "x-fous-developer": true,
      "examples": [
        5,
        20
      ]
    },
    "city_or_branch": {
      "type": "string",
      "default": "",
      "description": "Optional city, address, postcode, branch name or SWIFT code to narrow results, such as London.",
      "examples": [
        "New York"
      ]
    }
  },
  "additionalProperties": false,
  "examples": [
    {
      "bank": "Chase",
      "country": "US",
      "max_results": 5,
      "city_or_branch": "New York"
    },
    {
      "bank": "Barclays",
      "country": "United Kingdom"
    },
    {
      "bank": "123 DEX LTD",
      "country": "GB",
      "max_results": 20
    }
  ]
}
```

**Output**

| Field | Type | Example | Description |
|---|---|---|---|
| `codes` | array |  | Matching bank codes, head office first. |
| `codes[].city` | string or null | `"NEW YORK"` |  |
| `codes[].address` | string or null | `"270 PARK AVENUE"` |  |
| `codes[].country` | string or null | `"United States"` |  |
| `codes[].postcode` | string or null | `"10179"` |  |
| `codes[].bank_name` | string or null | `"JPMORGAN CHASE BANK, N.A."` |  |
| `codes[].branch_name` | string or null | `"Head office"` |  |
| `codes[].swift_bic_code` | string | `"CHASUS33XXX"` | SWIFT/BIC code with 8 or 11 characters. |
| `codes[].wise_page_link` | string | `"https://wise.com/gb/swift-codes/CHASUS33XXX"` | Wise page for this code. |

**Example input**

```json
{
  "bank": "Chase",
  "country": "US",
  "max_results": 5,
  "city_or_branch": "New York"
}
```

**Example output**

```json
{
  "codes": [
    {
      "city": "NEW YORK",
      "address": "270 PARK AVENUE",
      "country": "United States",
      "postcode": "10179",
      "bank_name": "JPMORGAN CHASE BANK, N.A.",
      "branch_name": "Head office",
      "swift_bic_code": "CHASUS33XXX",
      "wise_page_link": "https://wise.com/gb/swift-codes/CHASUS33XXX"
    },
    {
      "city": "NEW YORK",
      "address": null,
      "country": "United States",
      "postcode": null,
      "bank_name": "JPMORGAN CHASE BANK, N.A.",
      "branch_name": null,
      "swift_bic_code": "CHASUS31HPQ",
      "wise_page_link": "https://wise.com/gb/swift-codes/CHASUS31HPQ"
    },
    {
      "city": "NEW YORK",
      "address": "270 PARK AVENUE",
      "country": "United States",
      "postcode": "10179",
      "bank_name": "JPMORGAN CHASE BANK, N.A.",
      "branch_name": null,
      "swift_bic_code": "CHASUS331MX",
      "wise_page_link": "https://wise.com/gb/swift-codes/CHASUS331MX"
    }
  ]
}
```

## Quick start

Call the API with a Fous API key (`FOUS_API_KEY`). To create one, turn on Developer mode in Fous Studio, then open Keys & connections → API keys (https://app.fous.com/keys).

```bash
# First set your key: export FOUS_API_KEY='YOUR_FOUS_API_KEY'
: "${FOUS_API_KEY:?Set FOUS_API_KEY before running this example}"

curl 'https://api.fous.com/v1/query' \
  --fail-with-body --silent --show-error --max-time 120 \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H 'Content-Type: application/json' \
  --data-raw '{
  "api": "@wise",
  "visibility": "public",
  "operation": "check_iban",
  "version": 1,
  "input": {
    "iban": "DE89370400440532013000"
  },
  "response": {
    "format": "json"
  }
}'
```

```python
# Save as fous.py and run with python3 fous.py. No packages needed.
# First set your key: export FOUS_API_KEY='YOUR_FOUS_API_KEY'
import json
import os
import urllib.error
import urllib.request

api_key = os.environ.get("FOUS_API_KEY")
if not api_key:
    raise RuntimeError("Set FOUS_API_KEY before running this example")

body = json.loads("{\n  \"api\": \"@wise\",\n  \"visibility\": \"public\",\n  \"operation\": \"check_iban\",\n  \"version\": 1,\n  \"input\": {\n    \"iban\": \"DE89370400440532013000\"\n  },\n  \"response\": {\n    \"format\": \"json\"\n  }\n}")
request = urllib.request.Request(
    "https://api.fous.com/v1/query",
    data=json.dumps(body).encode("utf-8"),
    headers={
        "Authorization": f"Bearer {api_key}",
        "Content-Type": "application/json",
    },
    method="POST",
)
try:
    with urllib.request.urlopen(request, timeout=120) as response:
        result = json.load(response)
except urllib.error.HTTPError as error:
    raise RuntimeError(f"HTTP {error.code}: {error.read().decode('utf-8', errors='replace')}") from error
if result.get("success") is False:
    raise RuntimeError(result.get("error", {}).get("message", "Request failed"))
print(json.dumps(result["data"]["output"], indent=2))
```

```typescript
// Save as fous.mts and run with npx tsx fous.mts.
// First set your key: export FOUS_API_KEY='YOUR_FOUS_API_KEY'
const apiKey = process.env.FOUS_API_KEY;
if (!apiKey) throw new Error("Set FOUS_API_KEY before running this example");

const response = await fetch("https://api.fous.com/v1/query", {
  method: "POST",
  headers: {
    "Authorization": `Bearer ${apiKey}`,
    "Content-Type": "application/json",
  },
  signal: AbortSignal.timeout(120_000),
  body: JSON.stringify({
  "api": "@wise",
  "visibility": "public",
  "operation": "check_iban",
  "version": 1,
  "input": {
    "iban": "DE89370400440532013000"
  },
  "response": {
    "format": "json"
  }
}),
});
type ApiResult = { success: boolean; data?: { output: unknown }; error?: { message: string } };
const result: ApiResult = await response.json();
if (!response.ok || result.success === false) {
  throw new Error(result.error?.message ?? `HTTP ${response.status}`);
}
if (!result.data) throw new Error("Missing API response data");
console.log(result.data.output);
```

Or describe the data in plain language: send `{"api":"@wise","prompt":"Describe the data you need, with every detail"}` to the same URL. Fous fills in the input, runs the method that fits and returns only the fields you asked for; `data.route.calls[].request` is the exact call it made. Routing is free; the run costs the same.

## Use cases

- Convert amounts between two currencies.
- Review daily exchange rate history.
- Compare recipient amounts and transfer costs across providers.
- Find a bank’s SWIFT/BIC code and branch location.
- Check an IBAN’s format and identify available bank details.

## FAQ

### Is Fous affiliated with Wise?

No. Fous is not affiliated with Wise. This workflow reads the public wise.com website and returns its data.

### How much does it cost?

Each run costs 1 credit. With pay-as-you-go, a credit costs 1¢; monthly plans cost less per credit.

### Do I need a Wise account?

No. You only need a Fous account.

### How current is the data?

Fous gets the data from wise.com when you run it; repeating the same request within a day may return the saved result. Fous checks this workflow automatically; it last passed a check on Sep 28, 2026.

### What is the mid-market rate between two currencies?

Use Get exchange rate with the source and destination currencies to see the current mid-market rate.

### How much might a recipient get from different providers?

Use Compare transfer costs with an amount, currency pair, and optional sending country.

### Does an IBAN pass its format checks?

Use Check iban to check the country length and check digits. A valid format does not confirm the account exists.

## Related

- [XE API](https://fous.com/workflows/xe.md): XE returns currency conversions and mid-market rates, including current displayed rates for information and published historical daily rates for available UTC dates.
- [European Central Bank API](https://fous.com/workflows/european-central-bank.md): The European Central Bank provides official euro reference rates and informational currency conversions using the latest preceding published rates when needed, plus current key interest rates and optionally earlier changes.
- [Google Finance API](https://fous.com/workflows/google-finance.md): Google Finance returns possibly delayed prices and figures, indexes, up to four movers timed by oldest quote, currency conversions, and up to five financial periods.
- [US Treasury API](https://fous.com/workflows/us-treasury.md): US Treasury provides official daily interest rates and national debt figures for requested or latest available dates, plus quarterly reporting exchange rates using the latest preceding quarter when needed.
- [Coinbase API](https://fous.com/workflows/coinbase.md): Coinbase provides public cryptocurrency prices and market overviews, including changing spot, buy, and sell quotes and 24-hour statistics; unavailable page facts may be missing.
- [EU VIES API](https://fous.com/workflows/eu-vies.md): European Commission service for checking EU VAT numbers.
- [Apple Store API](https://fous.com/workflows/apple-store.md): Apple Store shows current public-store prices and configurations, compares prices across up to 15 countries at latest ECB rates, checks local pickup without reservations, and lists currently shown refurbished products.
- [Trading Economics API](https://fous.com/workflows/trading-economics.md): Trading Economics provides economic indicators, market data and country statistics, including country overviews, latest reported country comparisons and current commodity prices reflecting reported trading days.
- [All Finance workflows](https://fous.com/workflows/category/finance)