Provider terms — fees, payout methods, delivery times, limits — come from each provider's own published pages, read by hand. Mid-market exchange rates come from public rate APIs and are live on every page.
Where a page shows a verified recipient amount or an exact fee figure, that number comes from Wise's public Comparison API. That source needs naming, and weighing. Wise is one of the providers we rank, and the API supplies not only Wise's own quote but the competitor quotes Wise collects. We use it because it is the only public source of like-for-like quotes we can check on a schedule, and we would rather name it than present the figures as though we had gathered them ourselves. They are also collected at a point in time and stored, not fetched live as the page loads, so treat them as a recent reading rather than the rate you will be offered.
Credit where it is owed: Wise publishes that API openly and documents it, and nobody asked us to say so. Without a public source of like-for-like quotes, the tables on this site would carry no checked amounts at all — which is worth stating plainly alongside the caveats below, because the caveats are about how we read the data, not about the company that made it available.
That set of amounts is partial, and it is not us who chose it. The API quotes some of the providers we list on a corridor and not others, so a table can show a checked amount on some rows and none on the rest. Read together with the point above, that has a consequence worth stating outright: Wise can come top on an amount when the field it is being compared against was selected by Wise's own service. So we withhold the Best value label unless we hold checked amounts for enough of the providers on that corridor for the comparison to mean anything, we say on the page that the amounts cover only part of the table, and where a provider has no checked amount we say so rather than leaving a gap that reads like a verdict.
Those quotes price a bank transfer. They do not price cash pickup or a mobile wallet, which is how most money moves on several of the corridors we cover, so a verified amount is a benchmark for one payout method rather than a verdict on the whole service. So we show one only on a provider whose own published terms say it pays into a bank account on that corridor — a cash-pickup service is never given a bank transfer's figure. We also do not treat Wise's measurement of a competitor's exchange-rate margin as though that competitor had published it, which is why such a figure is marked as measured where it appears.
A review date appears only on the corridors we have committed to re-checking on a schedule. Everywhere else the page carries each provider's published terms and no claim about when they were last looked at, because a date we cannot keep current would be worse than none. If you spot something that looks wrong, let us know.