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v5

latestOpenAPI 3.1.02026-07-262421791.5 MB
incoming-transfer

Get an incoming transfer by ID

Retrieves an incoming transfer by id. You can pull the incoming-transfer ID from the webhook payload.

get/v1/incoming-transfers/{incomingTransferId}

Path parameters

incomingTransferIdstring uuid required

Unique incoming transfer identifier.

Headers

X-External-Correlation-Idstring uuid

Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. Learn more.

Response

The incoming transfer.

idstring uuid required

Unique identifier for the incoming transfer.

profileIdinteger required

Profile ID of the balance owner.

balanceIdinteger required

Balance ID associated with the incoming transfer. This is the balance that was credited.

accountDetailsIdinteger

Account details ID that received the incoming transfer. A balance may have multiple account details (e.g. multiple IBANs). This identifies the specific one that was credited. Omitted when the payment was received via correspondent model.

state'CREDITED' required

Current state of the incoming transfer. Additional states will be added in the future.

scheme'SWIFT' | 'SEPA' | 'ACH' | 'FASTER_PAYMENTS' | 'WISE_NETWORK' required

The payment scheme through which the incoming transfer was received. These are not necessarily clearing systems as we also include SWIFT here.

endToEndIdstring

End-to-end identifier assigned by the debtor for reconciliation purposes. Omitted when not provided by the debtor.

uetrstring uuid

Universal End-to-End Transaction Reference. A globally unique identifier (UUID v4) assigned by the debtor agent to track the payment across the entire chain.

unstructuredReferencestring

Unstructured remittance information provided by the debtor. Free-text field carried through the payment rail.

creditedTimestring date-time required

Timestamp when the incoming transfer was credited to the balance.

exchangeRatestring required

Wise's effective FX rate applied to this incoming transfer (source currency → target balance currency) as a decimal string. "1" when no conversion was needed.

chargeBearer'DEBTOR' | 'CREDITOR' | 'SHARED' | 'SERVICE_LEVEL'

Charge bearer code indicating who pays the transaction fees. Omitted if not specified in the payment message.

Example response

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "profileId": 12345678,
  "balanceId": 555555,
  "accountDetailsId": 987654,
  "state": "CREDITED",
  "scheme": "SWIFT",
  "endToEndId": "INVOICE-2026-998",
  "uetr": "123e4567-e89b-12d3-a456-426614174000",
  "unstructuredReference": "/RFB/INV-2025-001",
  "creditedTime": "2025-08-21T12:34:56.000Z",
  "debtor": {
    "name": "KENJI TANAKA",
    "address": {
      "firstLine": "6 Evergreen Ave",
      "streetName": "Evergreen Ave",
      "buildingNumber": "6",
      "townName": "BERLIN",
      "postalCode": "10115",
      "countryCode": "DE"
    },
    "account": {
      "number": "DE89370400440532013000"
    },
    "agent": {
      "bic": "SMBCJPJT",
      "nationalCode": "040004",
      "nationalCodeType": "SORT_CODE",
      "name": "Sumitomo Mitsui Banking Corporation",
      "address": {
        "firstLine": "6 Evergreen Ave",
        "streetName": "Evergreen Ave",
        "buildingNumber": "6",
        "townName": "BERLIN",
        "postalCode": "10115",
        "countryCode": "DE"
      }
    }
  },
  "creditor": {
    "name": "WISE PAYMENTS LIMITED",
    "address": {
      "firstLine": "6 Evergreen Ave",
      "streetName": "Evergreen Ave",
      "buildingNumber": "6",
      "townName": "BERLIN",
      "postalCode": "10115",
      "countryCode": "DE"
    },
    "account": {
      "number": "DE89370400440532013000"
    },
    "agent": {
      "bic": "SMBCJPJT",
      "nationalCode": "040004",
      "nationalCodeType": "SORT_CODE",
      "name": "Sumitomo Mitsui Banking Corporation",
      "address": {
        "firstLine": "6 Evergreen Ave",
        "streetName": "Evergreen Ave",
        "buildingNumber": "6",
        "townName": "BERLIN",
        "postalCode": "10115",
        "countryCode": "DE"
      }
    }
  },
  "amounts": {
    "instructed": {
      "value": "1000.00",
      "currency": "USD"
    },
    "interbankSettlement": {
      "value": "1000.00",
      "currency": "USD"
    },
    "credited": {
      "value": "1000.00",
      "currency": "USD"
    }
  },
  "exchangeRate": "0.6325",
  "chargeBearer": "SHARED",
  "previousInstructingAgents": [
    {
      "bic": "SMBCJPJT",
      "nationalCode": "040004",
      "nationalCodeType": "SORT_CODE",
      "name": "Sumitomo Mitsui Banking Corporation",
      "address": {
        "firstLine": "6 Evergreen Ave",
        "streetName": "Evergreen Ave",
        "buildingNumber": "6",
        "townName": "BERLIN",
        "postalCode": "10115",
        "countryCode": "DE"
      }
    }
  ],
  "fees": {
    "wise": [
      {
        "type": "OTHER",
        "value": "7.25",
        "currency": "EUR"
      }
    ],
    "correspondent": [
      {
        "value": "15.00",
        "currency": "USD",
        "agent": {
          "bic": "SMBCJPJT",
          "nationalCode": "040004",
          "nationalCodeType": "SORT_CODE",
          "name": "Sumitomo Mitsui Banking Corporation",
          "address": {
            "firstLine": "6 Evergreen Ave",
            "streetName": "Evergreen Ave",
            "buildingNumber": "6",
            "townName": "BERLIN",
            "postalCode": "10115",
            "countryCode": "DE"
          }
        }
      }
    ]
  }
}