# Wise MCP > Wise MCP gives your AI client direct access to global money movement. Check multi-currency balances, track international transfers in real time, and manage payment recipients without ever opening the Wise banking dashboard. It's instant visibility into USD, EUR, GBP, and 50+ currencies from your chat window. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** international-transfers, multi-currency, currency-exchange, business-banking, financial-tracking, remittance ## Description Managing cross-border payments shouldn't mean juggling a dozen tabs or waiting for bank statements. This MCP connects your AI agent directly to your Wise Business account, letting you handle multi-currency operations conversationally. Need to know if the payment cleared in GBP? Ask your agent instead of logging into the portal and digging through transaction histories. You can monitor current balances across every currency you use, get live exchange rates before quoting a transfer, or list all your existing payment recipients. It’s about getting immediate answers on complex financial questions without leaving your workflow. By connecting this MCP via Vinkius, your AI client becomes an active co-pilot for treasury management, handling the details so you don't have to. ## Tools ### list_profiles Lists all associated Wise business profiles for access management. ### get_currencies Returns a list of all currencies supported by the system. ### list_balances Retrieves and lists current multi-currency balances across your accounts. ### get_balance Fetches detailed balance information for a specific currency or account type. ### list_recipients Retrieves and displays the list of payment recipients you have set up globally. ### create_quote Calculates a projected cost breakdown for sending money from one currency to another. ### list_transfers Shows a summary list of all past and pending outgoing payments. ### get_transfer Retrieves the full, detailed status report for a single transfer ID. ### get_exchange_rate Provides the current live exchange rate between any two specified currencies. ### list_statements Generates a list of available account statements for historical review. ## Prompt Examples **Prompt:** ``` What are my current balances across all currencies? ``` **Response:** ``` Here are your Wise balances: USD $85,200.00, EUR €42,100.00, GBP £18,500.00, and BRL R$15,800.00. Total equivalent: approximately $167,400 USD. ``` **Prompt:** ``` Get me a quote to send €10,000 from my EUR balance to a USD account. ``` **Response:** ``` Quote ready: €10,000 → $10,842.50 USD at a rate of 1.0850. Wise fee: €28.50. Estimated delivery: 1 business day. The recipient will receive $10,842.50. ``` **Prompt:** ``` Track the status of my recent transfer to our London office. ``` **Response:** ``` Your transfer of £15,000 to 'London Office Ltd' is currently in 'Processing' stage. Exchange rate locked at 1.2650 (USD→GBP). Estimated delivery: tomorrow by 3:00 PM GMT. ``` ## Capabilities ### Check global account balances Instantly list current cash positions across all supported currencies. ### Monitor transfer status Track outgoing payments to see their current stage and estimated delivery date. ### Quote international transfers Generate instant cost estimates for sending money between currencies. ### Get live exchange rates Compare real-time conversion rates before initiating any transfer or quote. ### Manage payment contacts View and manage the list of recipients you send money to across different countries. ## Use Cases ### Client needs to confirm cross-border cash availability A freelancer client asks their agent, 'What are my current balances across all currencies?' The MCP uses list_balances and get_currencies to provide an immediate total equivalent value, confirming they have enough funds in EUR to pay a US invoice. ### Finance team needs to audit recent payouts The finance manager asks the agent to 'List all transfers for Q2.' The MCP uses list_transfers and then get_transfer on specific IDs, giving them a clear log of who was paid, when, and how much. ### Manager needs to budget for an upcoming office payment The manager asks, 'What is the cost to send £15,000 into our London account?' The MCP executes create_quote and get_exchange_rate, providing a full breakdown of fees and estimated arrival time. ### Agency owner needs to verify client payment setup An agency owner asks the agent to 'Show me all recipients.' The MCP uses list_recipients, allowing them to confirm if they still have a valid bank account listed for an old international client. ## Benefits - Check current cash positions across all currencies instantly. Instead of logging into a dashboard to run a balance report, you simply ask for it and get real-time results using list_balances or get_balance. - Track international money movement without effort. You can check the status of transfers—like seeing if payment arrived tomorrow by 3:00 PM GMT—using get_transfer, eliminating manual follow-ups. - Get accurate pricing before sending a dime. The create_quote tool lets you ask for an estimate to send €10k to USD and know exactly what the fee is upfront. - Never lose track of your payment contacts. You can use list_recipients to quickly see who you pay money to, confirming details like bank codes or account numbers before sending a new transfer. - Get real-time rate comparisons with get_exchange_rate. This tool lets you compare the cost of converting funds between currencies immediately, which is critical for treasury planning. ## How It Works The bottom line is you talk naturally to your agent, and it handles all the complex calls to Wise in the background. 1. Subscribe to this Wise MCP on Vinkius and generate a Personal API Token from your Wise Business settings. 2. Connect that token to your preferred AI client, giving your agent access to your account data. 3. Ask your AI client specific questions, like 'What are my balances?' or 'Track the transfer to London.' The MCP executes the request and returns the answer. ## Frequently Asked Questions **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.