How to Use the ClearBank MCP in Windsurf

Q: What happens if Windsurf tries to make a CHAPS payment outside of banking hours?

The clearbankcreatechapspayment tool will return an error from the ClearBank API. The Bank of England's operating hours are enforced by the bank, not the tool.

Tell Windsurf's Cascade agent your goal—like paying a vendor—and it uses ClearBank tools to get the job done, no hand-holding required.

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Connect ClearBank MCP to Windsurf

Create your Vinkius account to connect ClearBank to Windsurf and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup ClearBank with Windsurf

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Claude

Perplexity

Give Goals, Not Commands

Just say, "Onboard a new client and pay their first invoice." Windsurf's Cascade agent takes that goal and plans the entire sequence for you. It uses `clearbank_create_account` to spin up their virtual account, then hits `clearbank_create_faster_payment` to send the funds. You don't prompt each step; you just see the final result. This is how an autonomous agent should work.

Automate Account Management

You can give Windsurf abstract commands like, "Freeze our account with the lowest balance." Cascade figures out the steps on its own. It'll query all ledgers with `clearbank_get_accounts`, check each one using `clearbank_get_account_balances`, find the correct one, and then call `clearbank_suspend_account`. This ClearBank MCP Server gives your agent real authority.

Run Audits Without Writing Code

This MCP connection lets Windsurf run financial audits. Try asking, "Show me all CHAPS payments from last week that failed." Cascade fetches the transaction history with `clearbank_get_transactions`, then loops through each one, checking its status with `clearbank_get_payment_status`. You get the answers without writing a single line of code.

Setup guide

Set up ClearBank MCP in Windsurf

Prerequisites

Windsurf IDE installed (macOS, Windows, or Linux)
Active Vinkius subscription with a valid endpoint token

1

Open MCP configuration

Click the Cascade assistant icon in the sidebar, then click the hammer icon (🔨) at the top of the panel. Select "Configure" to open ~/.codeium/windsurf/mcp_config.json.
2

Add the ClearBank MCP

Paste the JSON snippet shown on the right into the mcpServers object. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Refresh MCPs

Go back to the hammer icon (🔨) in Cascade and click "Refresh". Windsurf will detect the new server. No full restart is needed — the connection is hot-reloaded.
4

Verify in Cascade

Start a new Cascade conversation and ask something like "Show my ClearBank payment history." If connected, Cascade will call the ClearBank tools directly. You will see a green dot next to the server name in the MCP panel.

mcp_config.json

{
  "mcpServers": {
    "clearbank-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

Get your connection token →

Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by ClearBank UK. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.

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Common questions about ClearBank MCP in Windsurf

You give Windsurf a high-level goal. Its Cascade agent then chains the `clearbank_create_account` and `clearbank_create_faster_payment` tools together to execute the full task without asking for permission at each step.

Yes. You can tell Windsurf to "freeze the account with a balance under £100." It will use the `clearbank_get_accounts` and `clearbank_get_account_balances` tools to find the right account, then `clearbank_suspend_account` to freeze it.

The easiest way is through the built-in MCP Marketplace for one-click installs. You can also add the server URL manually in your `mcp_config.json` file or through the Settings UI.

The `clearbank_create_chaps_payment` tool will return an error from the ClearBank API. The Bank of England's operating hours are enforced by the bank, not the tool.

Windsurf will access account identifiers, balances, and transaction histories to perform its tasks. All requests are proxied through Vinkius's ephemeral sandboxes, and your connection is secured by your personal MCP token, not stored credentials.

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