Koskamo

Wire Cash MCP

A free, read-only MCP server that provides bank wire fees, cutoff times, and the cheapest ways to send money abroad by querying published fee schedules and World Bank survey data.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Wire Cash MCP logo, by Wire CashVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by Wire Cash
MCP endpoint (Streamable HTTP)
https://wire.cash/mcp
Vendor documentation

What you can do with it

  • Get specific bank wire fees for domestic and international transfers
  • Compare bank wire fees to find the lowest cost provider
  • Find the cheapest way to send money to Mexico, India, or the Philippines
  • Check bank wire cutoff times and Fedwire holidays

Source and maintenance

Vendor evidenceRegistry 1.2026.1101.1

Protocol and capabilities

Server
wire-cash 1.0.0
MCP protocol
2025-06-18
Tools
4 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Wire Cash (wire.cash) answers questions about what a wire transfer costs in the US: published wire fees and same-day cutoff times at 17 banks and credit unions (personal accounts) and 9 banks (business accounts), Fedwire hours and 2026 holidays, and World Bank survey costs for sending money to Mexico, India and the Philippines by provider. Bank fees come from each bank's own fee schedule or deposit agreement (schedule dated 2025-05 to 2026-10, read 2026-10-24); provider costs come from World Bank Remittance Prices Worldwide (Q3 2025 survey); reference exchange rates are ECB euro rates crossed to US dollars. Every result carries its source link and date; cite it. A fee of "not published" means the bank does not print it, not that it is free. Bank wire fees leave out exchange-rate spreads and intermediary or receiving-bank charges. Nothing returned is a quote, an offer or financial advice: banks change fees without notice and the bank's current schedule governs. Wire Cash is an independent website, not a bank or money transmitter. Data downloads and methods: https://wire.cash/data/

Tools

4 advertised

get_bank_wire_fees — Wire transfer fees at one bank
Advertised by the server during the last successful anonymous check.
Advertised read-only

One US bank's published wire fees: outgoing and incoming domestic wires, international wires sent in dollars or in foreign currency, incoming international wires, same-day cutoff times, fee waivers, what the bank says about its exchange rate, the fee schedule date and the source document link. Personal accounts cover 17 banks and credit unions; business accounts cover 9 banks.

get_bank_wire_fees input schema
{
  "type": "object",
  "required": [
    "bank"
  ],
  "properties": {
    "bank": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Bank name or common short name, e.g. \"Chase\", \"Bank of America\", \"BofA\", \"Navy Federal\", \"Schwab\"."
    },
    "account_type": {
      "enum": [
        "personal",
        "business"
      ],
      "type": "string",
      "default": "personal",
      "description": "personal (consumer checking) or business (business checking). Default personal."
    }
  },
  "additionalProperties": false
}
get_bank_wire_fees annotations
{
  "title": "Wire transfer fees at one bank",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_bank_wire_fees — Compare wire fees across banks
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ranks US banks from lowest to highest published fee for one kind of wire (outgoing or incoming, domestic or international, in dollars or foreign currency), for personal or business accounts. Pass 2 to 17 banks, or none to rank every bank covered. Banks that do not publish the fee or do not offer the wire are listed last with the reason.

compare_bank_wire_fees input schema
{
  "type": "object",
  "required": [
    "wire_type"
  ],
  "properties": {
    "banks": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 60,
        "minLength": 2
      },
      "maxItems": 17,
      "minItems": 2,
      "description": "Bank names to compare, e.g. [\"Chase\",\"Wells Fargo\",\"Ally\"]. Omit to rank all covered banks."
    },
    "wire_type": {
      "enum": [
        "domestic_outgoing",
        "domestic_incoming",
        "international_outgoing_usd",
        "international_outgoing_foreign_currency",
        "international_incoming"
      ],
      "type": "string",
      "description": "Which fee to compare: domestic_outgoing, domestic_incoming, international_outgoing_usd, international_outgoing_foreign_currency or international_incoming."
    },
    "account_type": {
      "enum": [
        "personal",
        "business"
      ],
      "type": "string",
      "default": "personal",
      "description": "personal (17 banks) or business (9 banks). Default personal."
    }
  },
  "additionalProperties": false
}
compare_bank_wire_fees annotations
{
  "title": "Compare wire fees across banks",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
find_cheapest_way_to_send_money — Cheapest way to send money abroad
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ranks money transfer providers by total cost (fee plus exchange-rate margin) for sending $200 or $500 from the US to Mexico, India or the Philippines, from the World Bank Remittance Prices Worldwide survey (Q3 2025), with the corridor average, the ECB reference rate in that currency and providers' published fee rules. Filter by how the recipient gets the money.

find_cheapest_way_to_send_money input schema
{
  "type": "object",
  "required": [
    "country"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1,
      "description": "How many providers to return, cheapest first. Default 10."
    },
    "country": {
      "type": "string",
      "maxLength": 20,
      "minLength": 2,
      "description": "Destination: Mexico, India or Philippines (country name, ISO code MX/IN/PH or currency MXN/INR/PHP)."
    },
    "amount_usd": {
      "enum": [
        200,
        500
      ],
      "type": "integer",
      "default": 200,
      "description": "Amount sent in US dollars: 200 or 500 (the two amounts the World Bank surveys). Default 200."
    },
    "receiving_method": {
      "enum": [
        "bank_account",
        "cash",
        "mobile_wallet"
      ],
      "type": "string",
      "description": "Optional: only providers paying out to a bank account, cash pickup or mobile wallet."
    }
  },
  "additionalProperties": false
}
find_cheapest_way_to_send_money annotations
{
  "title": "Cheapest way to send money abroad",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
get_wire_cutoff_times — Wire cutoff times and Fedwire hours
Advertised by the server during the last successful anonymous check.
Advertised read-only

Same-day wire cutoff times as each bank publishes them (latest first, Eastern time used for sorting), the Fedwire Funds Service operating hours, and the 2026 Federal Reserve holidays. Pass a date to learn whether it is a Fedwire business day and, if not, the next one. Pass a bank to get only its cutoffs.

get_wire_cutoff_times input schema
{
  "type": "object",
  "properties": {
    "bank": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Optional bank name, e.g. \"Wells Fargo\". Omit for every bank."
    },
    "date": {
      "type": "string",
      "pattern": "^2026-(0[1-9]|1[0-2])-(0[1-9]|[12]\\d|3[01])$",
      "description": "Optional date in 2026 as YYYY-MM-DD, e.g. 2026-11-27, to check whether Fedwire is open that day."
    }
  },
  "additionalProperties": false
}
get_wire_cutoff_times annotations
{
  "title": "Wire cutoff times and Fedwire hours",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
411 ms
95th percentile latency
411 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 411 ms · metadata changed · 4 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http wire-cash-mcp https://wire.cash/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add wire-cash-mcp --url https://wire.cash/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable wire-cash-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "wire-cash-mcp": {
      "url": "https://wire.cash/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "wire-cash-mcp": {
      "type": "streamableHttp",
      "url": "https://wire.cash/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start wire-cash-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "wire-cash-mcp": {
      "type": "http",
      "url": "https://wire.cash/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http wire-cash-mcp https://wire.cash/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.
Claude Desktop configuration
{
  "mcpServers": {
    "wire-cash-mcp": {
      "url": "https://wire.cash/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "wire-cash-mcp": {
      "serverUrl": "https://wire.cash/mcp"
    }
  }
}

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