Validate transfer requirements

Exposes transfer-specific requirements based on the sender, quote, and target recipient account. Requirements vary by currency route, transfer amount, and regulatory region.

For example, the maximum allowed length of reference text varies — the US payment system (ACH) supports 10 characters only, but transfers within Mexico allow up to 100 characters. Similarly, depending on the chosen currencies and the amount to be transferred, Wise may require additional details such as source of funds or transfer purpose.

We highly recommend verifying transfer requirements before submitting any transfer to avoid delays caused by missing details.

{% admonition type="success" name="Integration guide" %} See the Transfer Requirements guide for step-by-step integration instructions and a list of common requirement fields. {% /admonition %}