> For the complete documentation index, see [llms.txt](https://docs.afflr.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.afflr.io/payouts/payment-methods-in-yuko/wise-bank-transfer.md).

# Wise - Bank Transfer

Wise (formerly TransferWise) is an international money transfer platform that lets you pay affiliates directly into their bank accounts in their local currency. Unlike PayPal, Wise deposits funds straight into the affiliate's bank account, no digital wallet needed.

***

### Why Wise?

* Pays directly into the affiliate's **local bank account**
* Supports **50+ currencies** across 80+ countries
* Low transfer fees compared to traditional bank wires
* Affiliates receive funds in their own currency without needing a PayPal or Tremendous account

***

### Prerequisites

Before connecting Wise to Yuko, make sure you have:

* A **Wise Business account**
* Sufficient funds added to your Wise account via bank transfer
* Access to **Wise Developer Tools** to generate an API token

***

### Step 1 — Add Funds to Your Wise Account

* Log in to your Wise account at [wise.com](https://wise.com)
* Go to your account balance
* Add money via **bank account transfer**

> ⚠️ **Warning:** Make sure your Wise account has sufficient funds before processing any affiliate payouts. Payments will fail if your balance is insufficient.

### Step 2 — Generate a Wise API Token

* Click on your **profile icon** (top right)
* Go to **Integrations and Tools**
* Under **Developer Tools**, click **API Tokens**
* Click **Add New Token**
* Name it **Yuko**
* Set access level to **Full Access**
* Click **Create Token**
* Click **Reveal Key**, enter your Wise account password when prompted
* Copy the API key

***

### Step 3 — Connect Wise in Yuko

* In your Yuko dashboard, go to **Payouts → Payment Methods**
* Find **Wise** and enable it
* Paste the **API key** you copied from Wise
* Click **Verify**

Yuko will validate the key and activate Wise as a payout method.

***

### What Affiliates Need to Do

Affiliates must enter their bank account details before you can pay them via Wise:

1. The affiliate logs in to their **Affiliate Portal** via your Shopify login
2. They go to their **Settings -> Profile** section
3. They enter their **bank account details** (account number, sort code/routing number, and any other required fields for their region)
4. They click **Save**

Once saved, their bank details are stored securely and linked to their affiliate account.

> **Important:** Make sure you inform your affiliates to complete this step before you process their payout. Wise will only appear as a payment option for affiliates who have saved their bank details.

***

### Paying Affiliates via Wise

* In your Yuko dashboard, go to **Payouts → Balance**
* Select the affiliate you want to pay
* Choose **Wise** as the payment method
* Confirm and proceed to pay

***

### Accepting the Payment in Wise

After you initiate the payout from Yuko, a payment request will appear in your Wise dashboard pending your approval:

1. Log in to your Wise account
2. You will see the payout request sent from Yuko
3. Review the payment details
4. Click **Accept**

Once accepted, Wise will process the transfer, and the affiliate will receive the funds directly in their bank account.

> **Note:** Processing times vary by country and currency. Most transfers complete within 1–2 business days.

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#### Need help?

Contact support                                      - [CONTACT](mailto:contact@afflr.on.crisp.email)

Schedule a free onboarding call            - [BOOK A CALL](https://cal.com/yukoteam/yuko)

Join the Yuko community                       - [VISIT](https://yuko.so/partners/agency/)
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