YESbusiness

Connect Wise to your Swiss accounting

Try the Tool You Won't Abandon
The YESbusiness app open on a laptop, on the account-creation screen.

Wise is where many Swiss freelancers and SMEs keep their euros, dollars and pounds. Wise offers no EBICS, so until now its movements only reached the books through a file exported by hand. YESbusiness now reads your Wise account directly: every completed movement arrives in your accounting each day, with no export, through a token that can only read.

How it works, in five steps

The connection takes a few minutes and is done once.

  1. Create a read-only token in Wise. In Wise, open Settings → Developer tools → API tokens and create a read-only token. It is free.
  2. Lock it to our address (optional). For extra safety, restrict the token to YESbusiness's IP address, 34.65.77.244: Wise will refuse it from any other address.
  3. Paste it in YESbusiness. In Banking → Connect a bank → Wise, paste the token. YESbusiness checks it with Wise, stores it encrypted and never shows it again.
  4. Choose your balances. Pick the currencies to track and the cash account for each: one currency = one account. Balances you leave aside stay listed for later.
  5. Let the daily import run. Each day, completed movements are imported automatically. You then book them like any other bank line.
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What arrives in your books

YESbusiness rebuilds a statement line for every movement on the balances you track, with the details Wise provides:

  • One line per movement — dated, with its amount in the balance's currency.
  • Wise fees on their own line — separate from the amount they apply to, so you can book them straight to bank charges.
  • Conversions in both currencies — a conversion appears on both balances, each line carrying the other currency's amount as its original amount.
  • Transfers you send — with the recipient's name, IBAN and the reference you entered.
  • Payments you receive — with the sender's name. For a payment from a third party, Wise passes on no reference or IBAN, so YESbusiness cannot show them either.

Only completed movements are imported. A transfer still in progress waits: it arrives as soon as Wise has completed it.

Read-only, by design

The token you create can read your Wise account, and nothing else.

  • YESbusiness cannot pay, transfer or move money: a read-only token does not allow it.
  • The token is stored encrypted and is never shown again, not even to you.
  • You can revoke it in Wise at any time (Settings → Developer tools → API tokens): the import stops.
  • Locked to 34.65.77.244, it is useless to anyone who obtains it elsewhere.
  • No password and no access to your Wise login: only the token.

Multi-currency, without mixing currencies

Each Wise balance you track is booked to its own cash account, in its own currency: the EUR balance to a EUR account, the USD balance to a USD account. Currencies are never merged into one account, so each account's balance matches the one you see in Wise.

Your books are still kept in Swiss francs: each foreign-currency line keeps its original amount, and YESbusiness converts it at your company's exchange rates.

The accounting rules that go with it (year-end revaluation, exchange differences, VAT on Wise fees) are explained step by step in our guide. Swiss accounting with Wise: the guide

Prefer a file? The manual route still works

If you would rather not create a token, export the statement yourself: in Wise, open Statements and reports, download the balance statement in CAMT.053 format, then upload it in YESbusiness under Banking. It is the same import as any Swiss bank file, just not automatic.

For your accounts at a Swiss bank, the direct connection goes through EBICS: see how the EBICS bank connection works

Frequently Asked Questions

Does it work with a personal Wise account, or only a business one?

Both. A token sees every profile on your Wise login, personal and business; you choose the balances to track, profile by profile.

Which currencies can I connect?

Every currency your Wise account holds. Each balance you track becomes a cash account in its currency; the ones you leave aside stay listed so you can add them later.

How much history is imported?

You choose the start date when you track a balance. Left empty, YESbusiness imports the last 90 days, then keeps up every day.

What happens to a transfer that is still in progress?

It waits. Only completed movements are imported: a transfer in progress arrives with the first import after Wise completes it.

What if I revoke the token?

The import stops and YESbusiness tells you that Wise refuses the token. Everything already imported stays in your books. To resume, delete the connection and paste a new token.

Does the Wise connection cost extra?

No. Like EBICS, Stripe and file import, the Wise connection is included in both YESbusiness plans. The Wise API token itself is free.

Your Wise movements, in your books every day

Create your YESbusiness account, connect Wise in a few minutes and stop exporting statements.

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