Wise Account Access

Access Wise accounts via the wise.cs CLI tool and archived transaction CSV files. API token is stored in macOS Keychain.

Important: Personal Account API Limitations (PSD2 Compliance)

Wise no longer supports the following operations via API for personal accounts due to PSD2 (Payment Services Directive 2) requirements:

• ❌ Transaction history / account statements
• ❌ Funding transfers via API (must be done through website/app)
• ❌ Any operation requiring Strong Customer Authentication (SCA)

What still works via API:

• ✅ Check balances
• ✅ List recipients
• ✅ Get currency conversion quotes
• ✅ Create draft transfers (must be funded via website/app)

For transaction history, use the archived CSV files in this directory instead.

Archived Transaction Files

Since Wise no longer provides transaction history via API for personal accounts, you can manually export CSV files from wise.com and store them in this directory.

To export transaction history:

1. Log in to wise.com
2. Go to your account statements
3. Select date range and export as CSV
4. Save the CSV files in this skill directory (e.g., wise-personal-2024.csv, wise-business-2025.csv)

CSV columns provided by Wise: ID, Status, Direction, Created on, Finished on, Source fee amount, Source fee currency, Target fee amount, Target fee currency, Source name, Source amount (after fees), Source currency, Target name, Target amount (after fees), Target currency, Exchange rate, Reference, Batch, Created by, Category, Note

Note: Add your CSV files to .gitignore to avoid committing personal financial data to version control.

Quick Reference

# List all profiles
dotnet run wise.cs -- profiles

# Get balances (personal profile)
dotnet run wise.cs -- balances

# Get balances (business profile)
dotnet run wise.cs -- balances --type business

# List recipients
dotnet run wise.cs -- recipients

# Get a quote
dotnet run wise.cs -- quote --source-currency EUR --target-currency USD --amount 100

# Create a draft transfer (requires --confirm)
dotnet run wise.cs -- transfer --quote-id <id> --recipient-id <id> --reference "Payment" --confirm

Setup

1. Get Your Wise API Token

1. Log in to wise.com
2. Go to Settings > API tokens
3. Create a new API token (read-only or full access depending on your needs)
4. Copy the token

2. Store Token in macOS Keychain

security add-generic-password -s "wise-api" -a "api_token" -w "YOUR_TOKEN_HERE" -U

This stores your token securely in the macOS Keychain. The tool will retrieve it automatically.

3. Find Your Profile IDs

Run the profiles command to see your available profiles:

dotnet run wise.cs -- profiles

You'll see output like:

{
  "success": true,
  "profiles": [
    {
      "id": 12345678,
      "type": "personal",
      "fullName": "Your Name"
    },
    {
      "id": 87654321,
      "type": "business",
      "fullName": "Your Business"
    }
  ]
}

Note these profile IDs - you can use them with the --profile-id flag, or use --type personal / --type business shortcuts.

Commands

profiles

List all profiles (personal and business) accessible with the API token.

dotnet run wise.cs -- profiles

balances

Get account balances for a profile.

# Personal profile (default)
dotnet run wise.cs -- balances

# Business profile
dotnet run wise.cs -- balances --type business

# By specific profile ID (use your profile ID from 'profiles' command)
dotnet run wise.cs -- balances --profile-id 12345678

Options:

• --type or -t: Profile type (personal or business)
• --profile-id or -p: Specific profile ID

recipients

List saved payment recipients.

# All recipients
dotnet run wise.cs -- recipients

# Filter by currency
dotnet run wise.cs -- recipients --currency EUR

Options:

• --type or -t: Profile type
• --profile-id or -p: Specific profile ID
• --currency or -c: Filter by currency

quote

Get a quote for a currency conversion.

dotnet run wise.cs -- quote --source-currency EUR --target-currency USD --amount 100

Options:

• --source-currency: Source currency code (required)
• --target-currency: Target currency code (required)
• --amount: Amount in source currency (required)
• --type or -t: Profile type
• --profile-id or -p: Specific profile ID

transfer

Create a draft transfer. Requires explicit --confirm flag as a safety measure.

dotnet run wise.cs -- transfer --quote-id <uuid> --recipient-id <id> --reference "Invoice 123" --confirm

Options:

• --quote-id: Quote UUID from quote command (required)
• --recipient-id: Recipient ID from recipients command (required)
• --reference: Payment reference/description
• --confirm: Required flag to create the draft transfer
• --type or -t: Profile type
• --profile-id or -p: Specific profile ID

Note: Due to PSD2 requirements, transfers created via API are draft transfers. You must fund them through the Wise website or mobile app.

create-recipient

Create a new recipient for transfers. Use this when the recipient doesn't exist in the recipients list.

dotnet run wise.cs -- create-recipient --name "John Doe" --iban "NL91INGB0684399148" --currency EUR

Options:

• --name: Account holder name (required)
• --iban: IBAN (required)
• --currency: Currency code, e.g., EUR (required)
• --legal-type: PRIVATE (default) or BUSINESS
• --type or -t: Profile type
• --profile-id or -p: Specific profile ID

Making a Transfer to a New Recipient

To send money to someone not in your recipients list:

1. Create the recipient first:

   dotnet run wise.cs -- create-recipient --name "Recipient Name" --iban "NL..." --currency EUR
   

   Note the id from the response (e.g., 1301313468).

2. Get a quote for the amount:

   dotnet run wise.cs -- quote --source-currency EUR --target-currency EUR --amount 100
   

   Extract the id (UUID) from the response.

3. Create the draft transfer:

   dotnet run wise.cs -- transfer --quote-id "<uuid>" --recipient-id <id> --reference "Description" --confirm
   

4. Fund the transfer via Wise website/app (required due to PSD2).

Tip: For EUR-to-EUR transfers using balance funding, there's no fee. Other payment methods have fees.

Output Format

All commands output JSON. Success responses include "success": true. Example balances output:

{
  "success": true,
  "profileId": 12345678,
  "balances": [
    {
      "id": 44495612,
      "currency": "EUR",
      "amount": {
        "value": 1234.56,
        "currency": "EUR"
      },
      "type": "STANDARD"
    }
  ]
}

Authentication

API token is stored in macOS Keychain under service wise-api, account api_token.

Writing Ephemeral Programs

When writing programs that interact with Wise, you can either:

1. Use the CSV files directly for transaction history analysis
2. Use CliWrap to call wise.cs for live data (balances, recipients, quotes)

Example using CliWrap:

#:package CliWrap@3.6.6

using CliWrap;
using CliWrap.Buffered;

var result = await Cli.Wrap("dotnet")
    .WithArguments(["run", "wise.cs", "--", "balances", "--type", "personal"])
    .WithWorkingDirectory("/path/to/wise/skill")
    .ExecuteBufferedAsync();

var json = result.StandardOutput;