Wise MCP

Wise MCP

Ask Claude or ChatGPT about your Wise money. The simplest, most complete MCP server for your Wise balances, card payments, transfers and recipients that can also prepare transfers you approve twice. Run it locally with one npx command (Claude Desktop, Claude Code, Codex, Cursor…), or host it as a custom connector for Claude and ChatGPT.

*"How much did I spend on groceries in September?"*

*"What's left in my jars, in EUR?"*

*"Show the transfers I sent to Mario this year and the rate I got."*

*"Send Mario 120 EUR for dinner."*

Give it a Wise API token once and your assistant can answer questions like these across all your Wise profiles, personal and business. It can also prepare transfers, new recipients and cancellations. Every change needs your explicit approval in chat, and a transfer only moves money once you pay it in the Wise app.

Why this one

The simplest way to connect Wise to an AI assistant, and the most feature-rich Wise MCP server we know of (October 2026):

• One token, no partner account. Other servers need Wise partner OAuth credentials or stop at read-only basics. Here a personal API token is all you need, locally or hosted.
• Your real spending. The activity feed includes card payments with clean merchant names and amounts, plus transfers, conversions, cashback and Jars, across personal and business profiles.
• Writes you can trust. Quotes, new recipients, transfers and cancellations, all two-step and approved in chat; transfers are paid by you in the Wise app.
• Everywhere. npx for Claude Desktop, Claude Code, Codex and Cursor, a one-click Claude Desktop extension, or a self-hosted connector for Claude and ChatGPT on web and mobile.
• Built for real accounts. 14 tools, encrypted token storage, session management, an audit log, and end-to-end tests for both modes.

Choose how to run it

Contents

• Why this one
• Choose how to run it
• Tools
• How it works
• Security model
• Run locally
• Deploy
• Your server's pages
• Configuration
• Development
• Limitations
• Contributing
• License

Tools

Read

Write: always two-step

Profiles are discovered from the token at runtime. Every tool takes an optional profile: an id, personal, business, or part of the profile name.

How it works

Locally, the server runs on your machine as a child process of your MCP client and reads the token from WISE_API_TOKEN. Nothing is hosted and there's no login.

Remotely, Wise doesn't offer OAuth to individuals, so the server is its own OAuth 2.1 authorization server for Claude and ChatGPT, and the "login" is a Wise personal API token you paste once.

sequenceDiagram

autonumber participant C as Claude / ChatGPT participant S as Wise MCP participant W as Wise API C->>S: Dynamic client registration (trusted redirect hosts only) C->>S: /authorize (PKCE) S-->>C: Login page: token + "stay connected for" Note over C,S: You paste a Wise API token, pick 5 / 15 / 30 / 90 days or until revoked S->>W: GET /v1/me W-->>S: Wise user id S->>S: Allowlist check, token sealed with AES-256-GCM S-->>C: Authorization code → access + refresh tokens C->>S: MCP tool calls (Bearer, 1 h tokens, rotating refresh) S->>W: Reads, and writes only after confirm_action

• Session length is chosen at each login. Access tokens last one hour; refresh tokens rotate on every use and live exactly as long as the session.
• `/sessions` lists every connected session for your Wise account and lets you revoke one or all. You sign in by pasting a Wise token again; it's only used to check who you are and is never stored. Access lasts 15 minutes in an HTTP-only cookie.
• Revoking in Wise works too: delete the token in Wise → Settings → API tokens. The next call fails with a clear message, and the server deletes the stored token and every session that used it.

Two confirmations for every write

prepare_*  ──▶  summary + code (TX-…, RCP-…, CXL-…)  ──▶  you approve in chat  ──▶  confirm_action

nothing written to Wise yet ① created in Wise │ transfers only: you pay it in the Wise app ◀──────────┘ ② money moves only now

• Codes are single-use, expire after 10 minutes, and only work from the session that prepared them.
• Transfers are created unpaid (incoming_payment_waiting). Wise doesn't let personal tokens fund transfers for EU/UK accounts anyway, so the final "Pay" is always yours. Until then you can cancel the transfer with prepare_cancel_transfer or in the app.
• Every prepare, confirm, discard and failure is appended to audit.log (~/.wise-mcp/ locally, the data volume when hosted).

Security model

[!WARNING]

Keep TOKEN_ENCRYPTION_KEY out of backups of the data volume. Changing it makes stored tokens unreadable: just reconnect.

Run locally

Needs Node.js 20 or newer. Create a token first: Wise → Settings → API tokens → Add new token (Full access to prepare transfers and recipients, Read only for answers only).

Claude Desktop extension (one click)

Download wise-mcp- .mcpb from the latest release and open it. Claude Desktop asks for your token (stored securely, never in a plain config file) and whether to allow preparing transfers.

Claude Code

claude mcp add wise -e WISE_API_TOKEN=your-token -- npx -y @blanketbyte/wise-mcp

Codex

Add this to ~/.codex/config.toml:

[mcp_servers.wise]

command = "npx" args = ["-y", "@blanketbyte/wise-mcp"] env = { WISE_API_TOKEN = "your-token" }

Claude Desktop, Cursor, VS Code and other MCP clients

Add this to the client's MCP config (for Claude Desktop: Settings → Developer → Edit config):

{

"mcpServers": { "wise": { "command": "npx", "args": ["-y", "@blanketbyte/wise-mcp"], "env": { "WISE_API_TOKEN": "your-token" } } } }

The repo is also an Agent Plugin (plugin.json + mcp.json), so clients and directories that support the standard can install it directly. Set WISE_API_TOKEN in your client.

Optional env: WRITES_ENABLED=false for read-only, MAX_TRANSFER_AMOUNT for a per-transfer limit. Run npx @blanketbyte/wise-mcp --help for all options.

[!NOTE]

ChatGPT only connects to remote servers, so for ChatGPT use the self-hosted setup.

Deploy

The container serves plain HTTP on port 3000; put it behind anything that terminates HTTPS. State (sealed tokens, sessions) lives in `/data`.

A prebuilt image is published with every release: `ghcr.io/blanketbyte/wise-mcp: ` (or :latest), for linux/amd64 and linux/arm64. Use it instead of building from source wherever your platform accepts an image.

Dokploy

1. DNS: point a hostname (e.g. wise.example.com) at your Dokploy server.
2. Application: *Create Service → Application*, source = this repository, branch main, build type Dockerfile, context ..
3. Domain: your hostname, container port 3000, HTTPS on, certificate Let's Encrypt.
4. Volume: a named volume m