# Wise

This MCP server connects Wise to an AI host for balances, rates, activity, recipients, quotes, and transfer actions.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 13
- Author: mindstone
- License: not stated · policy=link-only · description only; the file stays with the author
- Source: https://github.com/mindstone/mcp-servers/tree/HEAD/connectors/wise
- Updated: 2026-10-22
- HTML: https://affpapa.org/en/nevibecode/mcp/wise

## What it does

Wise exposes a Wise API connection through MCP tools. An agent can inspect accessible personal and business profiles, view multi-currency balances, read balance statements and activity, and retrieve current or past exchange rates. It can also list recipients, inspect their bank details, and find the fields required for a payment route.

The transfer flow starts with a quote, then a recipient and an unfunded transfer. `fund_wise_transfer` is the step that debits a Wise balance; `cancel_wise_transfer` can stop a transfer before `funds_converted`. These transfer actions are marked destructive, so approval is handled by the host. Quotes and recipient creation do not move money.

The server requires Node.js 20+, npm, and a Wise API token. Set `WISE_API_TOKEN`, or use the `configure_wise` tool to connect an account; `WISE_ENVIRONMENT` selects `production` by default or `sandbox` with a sandbox token. Without Node.js 20+, the server will not start.

## Requirements
- Needs: Node.js (commands run via npx)
- Environment variables: `WISE_API_TOKEN`, `WISE_ENVIRONMENT`, `WISE_REQUEST_TIMEOUT_MS` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add --env WISE_API_TOKEN=<WISE_API_TOKEN> --env WISE_ENVIRONMENT=<WISE_ENVIRONMENT> --env WISE_REQUEST_TIMEOUT_MS=<WISE_REQUEST_TIMEOUT_MS> --transport stdio wise -- npx -y @mindstone/mcp-server-wise
```
Replace <…> with your own values

### Codex

**Platform CLI**
```bash
codex mcp add wise --env WISE_API_TOKEN=<WISE_API_TOKEN> --env WISE_ENVIRONMENT=<WISE_ENVIRONMENT> --env WISE_REQUEST_TIMEOUT_MS=<WISE_REQUEST_TIMEOUT_MS> -- npx -y @mindstone/mcp-server-wise
```
Replace <…> with your own values

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "wise": {
            "command": "npx",
            "args": [
                "-y",
                "@mindstone/mcp-server-wise"
            ],
            "env": {
                "WISE_API_TOKEN": "<WISE_API_TOKEN>",
                "WISE_ENVIRONMENT": "<WISE_ENVIRONMENT>",
                "WISE_REQUEST_TIMEOUT_MS": "<WISE_REQUEST_TIMEOUT_MS>"
            }
        }
    }
}
```
Replace <…> with your own values

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "wise": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "@mindstone/mcp-server-wise"
            ],
            "env": {
                "WISE_API_TOKEN": "<WISE_API_TOKEN>",
                "WISE_ENVIRONMENT": "<WISE_ENVIRONMENT>",
                "WISE_REQUEST_TIMEOUT_MS": "<WISE_REQUEST_TIMEOUT_MS>"
            }
        }
    }
}
```
Replace <…> with your own values

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add -e WISE_API_TOKEN=<WISE_API_TOKEN> -e WISE_ENVIRONMENT=<WISE_ENVIRONMENT> -e WISE_REQUEST_TIMEOUT_MS=<WISE_REQUEST_TIMEOUT_MS> wise npx -y @mindstone/mcp-server-wise
```
Replace <…> with your own values

## When to use it
- inspect Wise balances across currencies
- look up a current or historical exchange rate
- price a transfer and lock its quote
- find required bank details for a recipient
- create, fund, or cancel a Wise transfer

## Example prompts
- Show the balances for every accessible Wise profile, grouped by currency.
- Price a transfer between two currencies and report the fee from the quote.
- Check the transfer status, then fund it from the Wise balance only after I approve.

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From the same set: [mindstone/mcp-servers](https://affpapa.org/en/nevibecode/by/mindstone/mcp-servers.md) — 24 cards

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