Swan MCP. Automate SEPA transfers and bank ledger management.

You're running fintech operations in Europe? This server gives your agent direct access to a full Banking-as-a-Service stack, letting it handle everything from opening local accounts to moving money across borders using real SWIFT/SEPA protocols. It's built for agents that need reliable, programmatic fund movement.

Account Management and Provisioning

You gotta get set up before you move a dime. You use swan_create_account to dynamically provision a new European bank account under your ledger; it spits out a unique IBAN format right away. When you need to know what accounts you've got running, you run swan_get_accounts, which lists every operational Swan Bank Account and its associated IBAN linked to your project node.

You can also check high-level details about the whole setup by calling swan_get_project_info for validation purposes.

Moving Money (Transfers)

The core function here is executing regulated fund movement. When you want to send standardized funds across the European network, you use swan_create_sepa_transfer to initiate an SEPA Credit Transfer. To track where that money went, or what happened in general, you pull a detailed ledger history for one specific account ID using swan_get_transactions.

You'll need to test stuff first—if you run it in sandbox mode, swan_simulate_incoming_transfer injects dummy funds into an account ledger so you can check your logic without spending real dough.

Card Operations and Lifecycle Management

Managing virtual cards is straightforward. You use swan_add_virtual_card to generate a brand new Mastercard Virtual Debit card for any contractor or entity. When that worker leaves, you gotta shut it down fast; run swan_cancel_card to immediately and permanently close the specified corporate card, making sure it can't be used again.

If you need an inventory of every physical and virtual card tied to your project node, call swan_list_cards.

Putting It Together

The tools work together seamlessly for complex financial workflows. You use swan_create_account to provision a new local ledger, then swan_add_virtual_card for the contractor who needs it. When they get paid, you send those funds using swan_create_sepa_transfer. After the transfer hits, you check the full history with swan_get_transactions, and if everything looks right, you're good to go.