Wise MCP. Check global balances & track international payments.
Gemini Works with every AI agent you already use
…and any MCP-compatible client
Just plug in your AI agents and start using Vinkius.
Wise MCP Server gives your AI agent direct access to global money operations. Check multi-currency balances (USD, EUR, GBP, etc.), track outgoing transfers' statuses, manage payment recipients, and get real-time exchange rates—all without logging into the Wise dashboard.
What your AI agents can do
Create quote
Generates an estimate for a transfer, showing the final amount and associated fees.
Get balance
Retrieves specific balance details for a single currency account.
Get currencies
Lists all currencies supported by the Wise system.
Retrieves current cash positions across all supported currencies using list_balances.
Monitors the progress of outgoing payments, showing status and estimated delivery dates via get_transfer.
Provides live exchange rates using get_exchange_rate or generates a formal cost estimate with create_quote.
Lists and searches existing payment recipients across multiple countries through list_recipients.
Accesses detailed records of transfers or general account statements using list_transfers or list_statements.
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Supported MCP Clients
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Wise MCP Server: 10 Tools for Money Moves
Use these tools to check multi-currency balances, track transfer statuses, calculate quotes, and manage international payments via API calls.
019d7623create quote
Generates an estimate for a transfer, showing the final amount and associated fees.
019d7623get balance
Retrieves specific balance details for a single currency account.
019d7623get currencies
Lists all currencies supported by the Wise system.
019d7623get exchange rate
Provides the current, live exchange rate between two specified currencies.
019d7623get transfer
Retrieves detailed status information for a specific outgoing transfer.
019d7623list balances
Lists the current balances across all multi-currency accounts held by the user.
019d7623list profiles
Retrieves a list of registered Wise business profiles.
019d7623list recipients
Lists and allows searching for payment recipients you have saved across countries.
019d7623list statements
Downloads or lists full account statements for a given period.
019d7623list transfers
Lists multiple past and current transfer records in the user's transaction history.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Wise, then connect any of our 4,700+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 4,700+ others, all in one place
- Add new capabilities to your AI anytime you want
- Every connection is secured and compliant automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
What you can do with this MCP connector
You gotta connect your AI agent directly to global money ops with this MCP Server. It gives your agent the power to check multi-currency balances, track outgoing transfers, manage payees, and pull real-time rates—all without you having to log into a browser or mess around in a dashboard.
When you use it, your AI client can list every currency supported by the Wise system using get_currencies, giving you instant scope of what's available for transfers. You can then check current cash positions across every multi-currency account with list_balances. If you know exactly which currency you need to focus on, you can drill down further and get specific balance details for a single account using get_balance.
For moving money, your agent handles everything from the estimate stage through to the final transfer status. Need to know what it'll cost? You can pull live exchange rates between any two specified currencies with get_exchange_rate, or you can get a formal cost breakdown and an estimated final amount using create_quote.
Once that quote is solid, your agent can track the money itself; it pulls detailed status information for individual outgoing payments via get_transfer. You also have access to transfer history. Your agent lists multiple past and current transaction records through list_transfers, and if you need a deep dive into account activity, you can download or list full statements for any given period using list_statements.
On the receiving end, your AI client handles payee management. It lets you pull a list of all registered Wise business profiles via list_profiles. To manage who gets paid, it lists and searches every saved payment recipient across multiple countries using list_recipients. This means you don't have to keep track of different addresses or bank details manually.
Overall, the server gives your agent a full picture of your financial activity. It pulls balances, tracks money that's already moving, helps calculate conversion costs before you hit send, and keeps track of who you pay and when. You run it through your AI client; it does the dirty work.
How Wise MCP Works
- 1 The user grants your AI client access by providing a personal API token from their Wise Business settings.
- 2 Your agent processes the request (e.g., 'What are my GBP balances?'), translating the natural language into specific tool calls like
list_balances. - 3 The MCP Server executes the call, returns the raw data payload, and your agent formats it for a plain-English response.
The bottom line is: you talk to your AI client, and it handles all the complex API calls required from Wise in the background.
Who Is Wise MCP For?
Anyone who deals with money across borders. This is for the finance manager tired of logging into five different dashboards just to reconcile one month's worth of international payments. It’s for the operations lead who needs instant liquidity checks and the agency owner who tracks multi-currency client billing.
Needs to check real-time cash positions in dozens of currencies (via list_balances) for month-end reconciliation without opening a browser.
Uses the agent to track if payments sent last week actually arrived, checking status and estimated delivery dates using get_transfer.
Needs to confirm incoming funds from global clients or calculate the exact cost of sending money to a new recipient using create_quote before billing.
What Changes When You Connect
- Instant liquidity check: Instead of jumping into the dashboard, ask your agent to run
list_balancesand get real-time cash figures for USD, EUR, GBP, and more. You know exactly what you're working with. - Eliminate manual rate checking: Before sending money, use
get_exchange_rateorcreate_quote. Your agent gives you the live rate and total cost in one breath, saving comparison time. - Never lose track of funds: When a payment goes out, ask the agent to check its status using
get_transferorlist_transfers. You get the current stage and estimated delivery date without logging into the transaction list. - Smarter recipient management: Need to pay a contractor in Nigeria? Use
list_recipientsto confirm their details. It keeps all your payee data centralized, so you don't have to scroll through old dashboards. - Full financial picture: The combination of
list_statementsandlist_transferslets your agent pull together historical data points for easy reconciliation, building a complete audit trail in natural language.
Real-World Use Cases
Reconciling Q4 International Revenue
The finance team needs to reconcile revenue from three different global markets. Instead of downloading and cross-referencing multiple statement PDFs, they ask their agent to run list_statements for the quarter and then use get_balance on key accounts to confirm the current cash position. The problem is solved with one conversational flow.
Paying a Contractor Abroad
An agency manager needs to pay a freelance developer in Argentina. They first use list_recipients to check if the contractor's details are saved, then run create_quote specifying the payment amount and currency pair. The agent returns the precise transfer cost and estimated delivery time immediately.
Checking Liquidity Before an Investment
A business owner needs to fund a large purchase but isn't sure which account has enough cash. They prompt their agent with 'What are my combined balances?' The system runs list_balances and provides the total equivalent in USD, allowing them to greenlight the transaction immediately.
Debugging a Delayed Payment
A team member knows funds were sent last week but they haven't shown up. They ask their agent to list_transfers and then specifically check the status of that payment using get_transfer. The agent reports it is 'Processing,' identifying the bottleneck for the user.
The Tradeoffs
Manually comparing rates
Opening a web browser, navigating to the exchange rate page, noting the USD/EUR rate, then opening another tab to check fees. This takes five minutes and requires copy-pasting numbers.
→
Just ask your agent: 'What is the quote for sending 10,000 EUR to USD?' The tool create_quote handles the rate lookup (get_exchange_rate) and fee calculation in one call.
Trying to track money by date
Scrolling through months of bank statements trying to find a single transfer record from last Tuesday. The sheer volume of data is overwhelming, and you might miss something.
→
Use the list_transfers tool. It filters and presents recent activity directly, letting your agent pull out exactly what you need without reading thousands of lines of text.
Assuming balance data is current
Relying on cached or displayed dashboard numbers that haven't updated since the last login. This leads to bad financial decisions.
→
Always ask your agent to run list_balances. It forces a live query, giving you the absolute most up-to-date cash position across all currencies.
When It Fits, When It Doesn't
Use this MCP Server if your primary need is centralized visibility into international money movement. Specifically, use it when you must check balances (list_balances) or track transfer status (get_transfer) without opening a browser dashboard.
Don't use this if:
1. You just need to send the money; this server only reads and quotes. You still need the native Wise interface for execution.
2. You are building an internal CRM that needs basic balance checking—use your CRM's dedicated API instead. This is specialized for multi-currency banking data.
3. Your workflow involves complex, stateful decisions based on non-financial data (like inventory levels). Use a general purpose orchestration tool or write custom logic around the financial primitives provided by list_balances and get_exchange_rate.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Wise. 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.
VINKIUS INFRASTRUCTURE
Cloud Hosted
Managed infra
V8 Isolated
Sandboxed per request
Zero-Trust Proxy
No stored credentials
DLP Enforced
Policy on every call
GDPR Compliant
EU data residency
Token Compression
~60% cost reduction
Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 10 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Reconciling global cash positions shouldn't feel like detective work.
Today, checking if your multi-national operation has enough funds requires a painful process. You open the Wise portal, check USD balances in one tab; then you open another browser window for EUR and GBP. If you need to reconcile against statements from last month, you're downloading PDF after PDF, manually cross-referencing numbers until your eyes glaze over.
With this MCP server, that whole process vanishes. You simply tell your agent, 'What is our total cash position in all currencies?' It runs `list_balances`, aggregates the data across dozens of accounts, and hands you a single, accurate answer. No clicking, no PDF headaches.
Wise MCP Server: Get multi-currency financial data instantly.
The old way meant spending hours just gathering the necessary numbers—checking balances via `get_balance`, manually finding rates, and then stitching together a summary. It was slow, error-prone, and required deep focus on multiple dashboards.
Now, your agent does it all. You ask for an estimate, and the server runs `create_quote` using live data. The result is immediate: a comprehensive quote showing fees, rates, and final amounts. That's how fast you should be.
Common Questions About Wise MCP
How do I get my Wise API token? +
You need a Wise Business account with 2-Step Verification enabled. Log in at wise.com, click your profile icon in the top right corner, then go to Settings → API tokens → Add new token. Name your token, complete the 2-Step Verification, and copy it immediately — it is only shown once. Paste it into the configuration below. Note: this feature is only available on the web — not the mobile app.
Can I check how much a transfer will cost before sending money? +
Yes. Ask your AI agent to get a quote for any currency pair and amount. It returns the live exchange rate, Wise's fee, the estimated delivery time, and the exact amount the recipient will receive — so you can make informed decisions before committing to a transfer.
What if I need to track a transfer that seems delayed? +
Just ask your AI agent 'What's the status of my last transfer?' It returns the current processing stage, estimated delivery date, exchange rate used, and any holds or compliance reviews in progress — all without opening Wise in a browser or switching contexts.
Is this suitable for companies operating in multiple currencies? +
Absolutely. Wise supports 50+ currencies, and your AI agent can check balances in all of them simultaneously. Perfect for global e-commerce businesses, international agencies, remote-first companies paying contractors worldwide, and treasury teams managing FX exposure across multiple regions.
How can I narrow down which accounts I check using the list_balances tool? +
The function accepts optional filters to limit results by currency code or account type. You don't have to pull every balance; you can scope it, for example, filtering only for EUR balances if your focus is European operations.
If I use get_transfer with an invalid transaction ID, what error message should my agent expect? +
The API returns a standard 404 or specific 'Record Not Found' code. Your agent must check the response body for this status rather than assuming that a transfer record exists.
What information can I get when calling the list_recipients tool? +
The tool provides recipient names, associated country codes, and account types. This data helps confirm which payment recipients are active within your established network structure.
Are there rate limits when I call the get_exchange_rate tool frequently during peak hours? +
Wise enforces standard API rate limits to maintain service stability. If your agent hits a limit, it should implement an exponential backoff strategy for retrying the request.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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