The moment it happens

Get warned when your USD balance gets low

You get one email when your Wise USD balance dips under your floor, in time to top it up.

Runs: The moment it happens
Apps: Wise
AI: Not needed
Access: read

Send this to your assistant

Create a ClickRuntime automation: email me once if my Wise USD balance drops below $2,000, and again only after it has gone back above that and dropped again.

Paste it into your assistant. It tells you what it will send or change before it runs live.

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First time? Adding ClickRuntime to your assistant takes about two minutes.

Why use it

Why teams use this automation

Many freelancers and small firms pay recurring bills out of a Wise USD balance: software subscriptions, contractors, an ad account. When the balance falls below what the next debit needs, a payment bounces. A card is declined, an ad campaign pauses, a contractor waits for money. The first sign is the failure itself, which is the worst moment to discover that you forgot to top up.

Whenever your Wise balance changes, the automation reads your balances, compares the USD figure with the threshold you set, and sends one alert when it drops below it. It alerts once per drop, not on every transaction, so you get a clear warning without repeated messages.

It suits anyone who uses Wise as a working account for known recurring payments. Even a short warning is enough, since topping up from a linked bank account is usually quick when you know it is needed.

What you get out of it

Top up before a payment fails
A warning while there is still money lets you transfer funds from a bank account in time. A declined card at a vendor is more costly than the small effort of topping up.
Keep ads and subscriptions running
Services paused for non-payment take time and sometimes performance history to recover. An early alert avoids the pause altogether. Restarting a paused campaign or subscription is annoying, and it can reset learning or delivery that took weeks to build.
One alert, not a stream
Alerting once when the balance crosses the threshold keeps the message meaningful. If it pinged on every debit you would soon start ignoring it. Repeated alerts train people to ignore them, whereas one clear message gets read and acted upon quickly.
Choose a threshold that fits your bills
Set the line at the next month's expected payments, and the alert matches your real needs instead of a generic amount. A threshold based on real upcoming payments gives you a margin without leaving too much idle money sitting in the account.
Peace of mind without checking
You do not need to open the app daily to look. Silence means the balance is healthy, which is a real saving in attention. That attention goes back into the actual work, which is why people set up automated checks in the first place.

How it works

What happens, step by step

Whenever your Wise balance changes, and every six hours as a backstop, ClickRuntime checks your USD balance.
It compares the balance with the floor you set.
When it first dips below, you get one email with the current balance, in time to top it up. You won't get another until it recovers and dips again.

Before it runs live

Connect Wise
Paste your automation's link into the other app's webhook settings

What you get

RunsThe moment it happens

Get warned when your USD balance gets lowjust nowSucceeded

Email · Low balanceYour USD balance is 1,742.18, below 2,000.

Build your own

Need it to work differently?

This template is a starting point. Copy the prompt and change it, or describe a different automation from scratch, with your own conditions, more apps or an AI step. Your assistant writes it, tests it and runs it on ClickRuntime.

Your own rules
Conditions, thresholds, filters and exceptions, written the way you'd explain them to a colleague.
Any number of apps
One automation can read from one app and update several others. Over 248 apps are ready, and anything with an API works too.
AI where it helps
Summaries, classification, extraction and drafts use ClickRuntime's built-in AI, with no extra key.
On a schedule or on each event
Runs as often as every 5 minutes, or the moment an app sends an event, and keeps track of what it already handled.

Changes you can ask for

Act only on the items that match your own rules, and skip the rest
Add an AI step, for example to summarize, sort or draft a reply
Add another app, for example also send it to Slack
Combine it with other Wise steps into one automation

Under the hood

The code that runs this automation

This is the Python script that runs each time the automation starts. Your AI assistant writes it for you when you send the prompt, and you allow each step in your assistant. To change how the automation works, describe the change to your assistant and it updates the script for you. For every function it can use, see the script reference.

low_balance_alert_wise.pyexample

from clickruntime import on_event, credentials, http, notify, state

WISE = "https://api.wise.com"

def wise(path, **params):
    token = credentials.secret("WISE_API_TOKEN")
    resp = http.get(f"{WISE}{path}", headers={"Authorization": f"Bearer {token}"}, params=params)
    resp.raise_for_status()
    return resp.json()

PROFILE_ID = 12345678
THRESHOLD = 2000

@on_event
def handle(event):
    balances = wise(f"/v4/profiles/{PROFILE_ID}/balances", types="STANDARD")
    usd = next(b["amount"]["value"] for b in balances if b["currency"] == "USD")
    low = usd < THRESHOLD
    if low and not state.get("alerted"):
        notify.email_me("Wise USD balance is low", f"Your USD balance is {usd:,.2f}, below {THRESHOLD:,}.")
    state.set("alerted", low)
    return {"usd": usd, "low": low}

FAQ

Common questions

How does it avoid repeating the alert?

It remembers that it already warned you and only alerts again after the balance has risen above the threshold and then dropped below it a second time. That keeps the notice to one per dip.

Can it watch a currency other than USD?

Yes. Any balance you hold in Wise can be watched, such as EUR or GBP, and you can set a separate threshold for each. Tell your AI assistant which currencies matter for your bills. Each balance has its own setting and the alerts do not interfere with each other.

Where does the alert arrive?

It can go to email or a Slack message, whichever you choose when setting it up. Pick the channel you actually watch, since an alert nobody sees does not prevent a bounced payment. Choose one you will see.

What permissions does it need?

read. Nothing else in your accounts is used.

Does it need AI?

No. It runs without AI, so it doesn't use your plan's AI allowance.

How many runs does it use?

One run for each event the app sends.

Can I change how it works?

Yes. Describe the change to your AI assistant, for example a different schedule, channel or filter. It updates the automation, tests it and tells you what changed.

The moment it happens