> ## Documentation Index
> Fetch the complete documentation index at: https://sure-917046f5-mintlify-docs-update-1787365830242.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Wise

> Connect your Wise multi-currency account using a personal API token

Wise integration connects your Wise multi-currency account to Sure using a personal API token. Sure syncs your currency balances, Jars (savings pots), transfers, and Wise Assets activity directly from the Wise API — no OAuth flow required.

## How it works

1. You create a personal API token in Wise and paste it into Sure
2. Sure fetches the profiles (personal and/or business) available to that token
3. You choose which profile(s) to connect — each becomes its own connection in Sure
4. Sure discovers every currency balance and Jar under the connected profile(s)
5. You link each discovered balance to a new or existing Sure account
6. Syncs then run automatically, pulling balances, transfers, and Jar activity

## Setting up Wise

1. Sign in to your Wise business account at [wise.com](https://wise.com) (personal API tokens are issued from business account settings, even if you're only connecting a personal profile)
2. Go to **Your Account → Connect and manage apps → API tokens** (requires two-factor authentication on the account)
3. Create a new personal API token and choose an access level: **read only** lets Sure read balances, transfers, and Jar activity; **full** additionally allows the token to authorize recipients and transfers, so prefer read-only unless you need that capability elsewhere
4. In Sure, go to **Settings > Providers**, find the **Wise** panel, and paste the token
5. If the token has access to more than one profile (for example, a personal and a business profile), select which ones to connect — Sure creates a separate connection for each
6. Open **Set Up Accounts** on the new connection and link each currency balance to a Sure account

<Note>
  For testing, Wise provides a sandbox environment at `https://api.wise-sandbox.com` (the V2 sandbox host; the legacy `api.sandbox.transferwise.tech` URL was retired). Set `WISE_BASE_URL` in your Sure environment to point at it instead of the default live API (`https://api.wise.com`).
</Note>

## Features

### Multi-currency balances

* **Standard balances**: one balance per currency held in your Wise account, refreshed (including reserved amount) on every sync
* **Jars (savings pots)**: synced alongside standard balances and mapped to a savings-type account in Sure
* New balances discovered on a sync are shown as "needs setup" until linked to a Sure account

### Transaction syncing

* The first sync imports 90 days of transfer history (or history from a sync start date you configure); later syncs use a 7-day lookback from the last successful sync. Statement-based history is only available for Wise accounts registered in a country the Wise API supports for statement retrieval (currently the US, Canada, Australia, New Zealand, Singapore, and Malaysia) — other accounts sync balances and Jar activity but won't get transfer history
* Transfers are matched to their linked balance by Wise balance ID, so Jars that share the same currency are still tracked as separate accounts
* Cross-currency incoming transfers use the amount actually received, not the amount sent
* When a same-currency transfer includes a fee, the fee is imported as a separate "Wise fee" transaction

### Jar activity

* Deposits and withdrawals to a Jar are imported as "Transfer to Jar" / "Transfer from Jar" transactions
* Interest and Wise Assets fees are imported automatically
* Transfers between a standard balance and a Jar are automatically linked as Sure Transfers, so the same movement is never double-counted as separate income and expense

### Multiple profiles

If your Wise account has both personal and business profiles, you can connect several profiles from the same token at once. Each profile is a separate connection that can be synced, updated, or disconnected independently.

## Limitations

* Uses a Wise personal API token rather than OAuth; the token carries whatever account access you grant it in Wise
* Wise Assets (investment) balances are not tracked as accounts — only fees charged against them are imported
* Each discovered currency balance must be linked to a Sure account manually after the first sync; balances aren't created automatically

## Troubleshooting

**Invalid token / connection requires update**: your API token was revoked, is invalid, or lacks permissions (Wise personal API tokens don't expire on their own). Create a new personal token in Wise and update it in the Wise provider panel.

**No profiles found**: the token doesn't have access to any Wise profile. Check the token's permissions in Wise and try again.

**A currency balance is missing**: run a sync, then check **Set Up Accounts** on the connection — new balances only become Sure accounts once you link them.