# Wire Cash: bank wire fees and transfer costs (remote · wire.cash)

US bank wire fees, cutoff times and the cheapest ways to send money to Mexico, India, Philippines.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `wire.cash`: 69/100 (this document), [markdown](https://verifymcp.io/servers/cash-wire-wire-cash/wire.md), [page](https://verifymcp.io/servers/cash-wire-wire-cash/wire)

## Channel facts

- Endpoint: `https://wire.cash/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 64/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 921 tokens (~230/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "find_cheapest_way_to_send_money" implies "send" and declares readOnlyHint instead, contradicting what its own name says it does.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the Wire Cash: bank wire fees and transfer costs MCP server?

Wire Cash: bank wire fees and transfer costs is a hosted endpoint at https://wire.cash/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http cash-wire-wire-cash 'https://wire.cash/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "cash-wire-wire-cash": {
      "url": "https://wire.cash/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "cash-wire-wire-cash": {
      "type": "http",
      "url": "https://wire.cash/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.cash-wire-wire-cash]
url = "https://wire.cash/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "cash-wire-wire-cash": {
      "type": "remote",
      "url": "https://wire.cash/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add cash-wire-wire-cash --url 'https://wire.cash/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  cash-wire-wire-cash:
    url: "https://wire.cash/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "cash-wire-wire-cash": {
      "Transport": "http",
      "Url": "https://wire.cash/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add cash-wire-wire-cash -t streamable-http -u 'https://wire.cash/mcp'
```

### Other

```json
{
  "mcpServers": {
    "cash-wire-wire-cash": {
      "type": "http",
      "url": "https://wire.cash/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-03 (score 69, +1)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-02 (score 68, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (4)

### `get_bank_wire_fees` (~144 tokens)

Wire transfer fees at one bank

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.

Input parameters:

- `account_type` (string): personal (consumer checking) or business (business checking). Default personal.
- `bank` (string, required): Bank name or common short name, e.g. "Chase", "Bank of America", "BofA", "Navy Federal", "Schwab".

### `compare_bank_wire_fees` (~175 tokens)

Compare wire fees across banks

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.

Input parameters:

- `account_type` (string): personal (17 banks) or business (9 banks). Default personal.
- `banks` (array): Bank names to compare, e.g. ["Chase","Wells Fargo","Ally"]. Omit to rank all covered banks.
- `wire_type` (string, required): Which fee to compare: domestic_outgoing, domestic_incoming, international_outgoing_usd, international_outgoing_foreign_currency or international_incoming.

### `find_cheapest_way_to_send_money` (~199 tokens)

Cheapest way to send money abroad

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.

Input parameters:

- `amount_usd` (integer): Amount sent in US dollars: 200 or 500 (the two amounts the World Bank surveys). Default 200.
- `country` (string, required): Destination: Mexico, India or Philippines (country name, ISO code MX/IN/PH or currency MXN/INR/PHP).
- `limit` (integer): How many providers to return, cheapest first. Default 10.
- `receiving_method` (string): Optional: only providers paying out to a bank account, cash pickup or mobile wallet.

### `get_wire_cutoff_times` (~142 tokens)

Wire cutoff times and Fedwire hours

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.

Input parameters:

- `bank` (string): Optional bank name, e.g. "Wells Fargo". Omit for every bank.
- `date` (string): Optional date in 2026 as YYYY-MM-DD, e.g. 2026-11-27, to check whether Fedwire is open that day.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/cash-wire-wire-cash/wire#diagnostics

## Score history

- 2026-11-05: 69
- 2026-11-04: 69
- 2026-11-03: 69
- 2026-11-02: 68
- 2026-11-01: 68

## Common questions

### What is the Wire Cash: bank wire fees and transfer costs MCP server?

Wire Cash: bank wire fees and transfer costs is an MCP server listed in the public MCP registry as cash.wire/wire-cash. US bank wire fees, cutoff times and the cheapest ways to send money to Mexico, India, Philippines. This page covers its hosted endpoint (https://wire.cash/mcp).

### Is the Wire Cash: bank wire fees and transfer costs MCP server safe to use?

Wire Cash: bank wire fees and transfer costs scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Wire Cash: bank wire fees and transfer costs MCP server expose?

Wire Cash: bank wire fees and transfer costs exposes 4 tools: get_bank_wire_fees, compare_bank_wire_fees, find_cheapest_way_to_send_money, get_wire_cutoff_times. Their descriptions and schemas cost roughly 660 tokens of context every time the server is loaded.

### Does the Wire Cash: bank wire fees and transfer costs MCP server require authentication?

No. We connected to Wire Cash: bank wire fees and transfer costs without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Wire Cash: bank wire fees and transfer costs MCP server still maintained?

Wire Cash: bank wire fees and transfer costs is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://wire.cash/mcp
- Website: https://wire.cash/developers/
- Changelog RSS feed: https://verifymcp.io/servers/cash-wire-wire-cash/wire.xml
- Changelog JSON feed: https://verifymcp.io/servers/cash-wire-wire-cash/wire.json
- HTML version of this page: https://verifymcp.io/servers/cash-wire-wire-cash/wire