SwitchWize MCP

io.github.switchwizePublished by GitHub account switchwizev0.3.0Updated Oct 24, 2026

Sixteen read-only US rate, savings-gap, Fed, card and CD tools with sources and freshness.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Read-only MCP access to SwitchWize U.S. savings, CD, Fed pass-through, credit-card and rewards data, with sources and freshness labels.

What you can do
  • Look up top savings, CD, checking and money-market rates, plus high-yield savings rankings and data freshness status
  • Estimate savings gaps and compare a user's APY with the top tracked savings rate for a balance
  • Read SwitchWize index datasets, the Bank Gap Index headline and Fed rate-hike pass-through by bank
  • Review credit-card welcome offers, transfer bonuses, fee and APR changes, and points/miles valuations
  • Model a card's annual value for a consumer segment and rank weekly dollar-valued moves for held cards
  • Check verified CD rollover rules and card downgrade paths with fee-refund windows
When to use it
Useful when someone wants sourced, dated U.S. deposit and card research inside an assistant: comparing savings rates, estimating what a low APY costs, or weighing card offers, downgrades and rollover rules. It is research support, not personalized financial advice.
Requirements
Either the hosted Streamable HTTP endpoint or a local stdio bridge run with npx (Node.js LTS and npm). No SwitchWize account or API key is required; the hosted API is rate-limited. Network access is needed, and the optional SWITCHWIZE_MCP_URL variable overrides the endpoint for developers.
Before you install
Read-only and does not initiate transactions or request bank credentials, but balance inputs are sent to the hosted API, so no account numbers or sensitive identifiers. Data may be aggregator-sourced and aging, savings-gap figures are hypothetical estimates, and card scores are modeled, not advice; confirm terms with the provider.

Installation

In SourceWeft

  1. Open SwitchWize MCP in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.switchwize%2Fswitchwize-mcp/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "switchwize": {
      "type": "http",
      "url": "https://www.switchwize.com/api/mcp"
    }
  }
}

README

SwitchWize MCP client

Read-only MCP tools for U.S. rates, savings comparisons, financial indexes, card offers and changes, rewards, CD rollover rules, and downgrade paths.

Connect now

For clients supporting Streamable HTTP, use the hosted endpoint:

https://www.switchwize.com/api/mcp

No SwitchWize account or API key is required. The API is rate-limited. Documentation: SwitchWize Developers.

Gemini CLI extension

Install from the public repository:

sh
gemini extensions install https://github.com/switchwize/switchwize-mcp

Restart Gemini CLI, then use /mcp list to confirm that switchwize is connected and exposes all 16 tools. The extension uses Gemini CLI's native Streamable HTTP transport; no separate local MCP process, SwitchWize account, or API key is needed. Gemini CLI itself requires its own supported authentication and runtime setup.

Try: "Use SwitchWize to compare current U.S. high-yield savings observations. Include source URLs and as-of dates, and flag stale or unavailable data."

The extension covers U.S. deposit and card research, excluding mortgages. Review GEMINI.md for source, freshness, and privacy guidance. Installing this extension enables your Gemini CLI to use the tools; it does not enable them for other Gemini users or designate SwitchWize as a Google Search data source.

Google's extension gallery discovers public repositories with a root gemini-extension.json and the gemini-cli-extension GitHub topic. Gallery discovery and installation are separate from consumer usage.

Run the stdio client from source

Use a supported Node.js LTS release and npm:

sh
git clone https://github.com/switchwize/switchwize-mcp.gitcd switchwize-mcpnpm ci --ignore-scriptsnpm run buildnpm start

For a desktop MCP client, configure command node with the absolute path to dist/index.js as its argument. No environment file or database credentials are needed. SWITCHWIZE_MCP_URL is an optional full MCP endpoint override for developers.

Run from npm

sh
npx -y [email protected]

For a desktop MCP client, configure command npx with arguments ["-y", "[email protected]"]. No API key is required.

The source bridge and package manifest now use 0.3.0, matching the published npm bridge. Building this repository does not republish the existing npm version.

Available tools

  • get_top_rates
  • get_top_hysa_rates
  • get_bank_gap
  • compare_switch_savings
  • get_rate_freshness
  • get_index_dataset
  • get_bank_gap_index
  • get_reality_score
  • get_card_offers
  • get_transfer_bonuses
  • get_card_changes
  • get_reward_valuations
  • best_move_this_week
  • get_cd_rollover_rules
  • get_card_downgrade_path
  • get_fed_hike_pass_through

The hosted server currently discovers 16 tools, three prompts, and four resources. The source-built stdio bridge forwards the hosted tool schemas and annotations, prompts, resources, structured results and tool error status.

The client connects to /api/mcp using Streamable HTTP and exposes that catalog over stdio. It does not initiate financial transactions or request bank credentials. Balance inputs supplied to tools are transmitted to the hosted API; do not include account numbers or other sensitive identifiers.

Validate a source checkout

npm run verify:package checks the build and package contents without publishing. npm run verify:live compares the source bridge's tools, prompts and resources with the public hosted service and performs a hypothetical Bank Gap call. It requires network access and contributes internal acceptance traffic; it does not establish independent user adoption or verify every upstream data source.

npm run verify:gemini -- <report.json> verifies all 16 tools using Gemini CLI 0.66.0's own MCP discovery, input-schema validation, and invocation code. Set GEMINI_CLI_PACKAGE_DIR to an installed @google/[email protected] package directory. Optionally set SWITCHWIZE_GEMINI_MANIFEST to the manifest from an installed extension to validate that exact configuration. Keep validation in a separate GEMINI_CLI_HOME so it does not alter your normal Gemini settings.

This check makes live read-only calls with hypothetical inputs, labels its requests as internal probes, records freshness states without treating stale or unavailable data as current, and checks the other three deposit categories. It does not make an LLM request or establish consumer adoption. See the dated Gemini release validation.

Data boundaries

Observations may be aggregator-sourced and may be aging. Preserve each response's source dates and freshness labels. Monthly index data is not a current offer. Confirm product terms directly with the provider before making a decision.

Savings-gap figures are hypothetical estimates. The comparison benchmark is the average of the top three tracked savings rates, not an average across every tracked bank. Card Reality Scores model a consumer segment's assumptions and may carry stale terms; they are not personalized advice or guaranteed benefits.

Attribute data as SwitchWize (switchwize.com). The MIT license covers this client software, not upstream datasets, third-party materials, or trademarks. See data and service terms.

Package verification

npm run verify:package builds the client and checks the npm tarball against an exact allowlist: LICENSE, README.md, dist/index.js, and package.json. npm pack creates a local tarball; neither command publishes it.

License: MIT. Copyright SW Digital Holdings LLC.

Source: README.md at commit e1b7014

Tools

16

get_top_rates

Top Rates

Return top SwitchWize rates with freshness and attribution. Savings, CDs, checking and money market answer only from their editor-approved snapshot. A category with no approved release yet returns no ranked rates and says so (approval_status: not_yet_approved) rather than serving unverified observations; approvedOnly makes that requirement explicit. Approved responses include product terms and field evidence; stale or unavailable releases return no ranked rates. detail=full (savings) adds the complete shared build: every listed account marked verified or tracked, best picks, movers, history and a headline summary.

ParameterslimitdetailcategoryrequiredapprovedOnly

get_top_hysa_rates

High-Yield Savings Rates

Return top high-yield savings rates with freshness and attribution. Answers only from the editor-approved snapshot; before its first release it returns no ranked rates and says so (approval_status: not_yet_approved). approvedOnly makes the requirement explicit. detail=full adds every listed account marked verified or tracked, best picks, movers, history and a headline summary.

ParameterslimitdetailapprovedOnly

get_bank_gap

Bank Savings Gap

Estimate annual savings interest forgone for a supplied balance and optional bank name. comparisonApy is the average of the top three tracked savings rates, not an average across all banks; bankCount is the size of the tracked set. baselineApy is the named bank's APY, or the national savings benchmark when no bank is supplied. Return annualGap, APYs, observation date, freshness and methodology. This is a hypothetical estimate, not guaranteed savings or an account recommendation; verify eligibility, fees and current provider terms.

Parametersbankbalance

compare_switch_savings

Compare Savings Rates

Compare a user's current APY with SwitchWize's current top savings APY for a balance.

ParametersbalancecurrentApyrequired

get_rate_freshness

Data Freshness

Return public data source freshness status and affected routes.

Parameterscategory

get_index_dataset

Index Dataset

Return a SwitchWize index dataset summary and recent series.

ParameterslimitindexIdrequired

get_bank_gap_index

Bank Gap Index

Return the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.

Takes no parameters.

get_reality_score

Card Reality Score

Estimate the modeled annual value of a supported premium credit card for a consumer segment. Supply a card slug or name and optionally a segment ID; the default is occasional-traveler. Return segment assumptions, score, rewards, credits, perks, fee, interest, friction, net value, caveats, sources, verification date, freshness and methodology. Gross recovered value is rewards + credits + perks. breakageMultiplier is gross recovered value / advertised value, NOT divided by annual fee. feeRecoveryMultiplier is max(0, gross recovered value - interest drag - rewards friction discount) / annual fee, before subtracting the fee. Friction applies to raw rewards only. Reality Score is 100 * net realized value / advertised value. Ratios are rounded. These are scenario estimates, not personalized advice or guaranteed benefits. Preserve stale or unavailable labels; do not infer that all terms share the observation date. Unknown cards or segments return a structured error with suggestions.

Parameterscardrequiredsegment

get_card_offers

Card Offers

Return current credit-card welcome-bonus offers (non-targeted, confidence-gated), each with a verified timestamp, source URL, and the card's own 12-month best.

Parameterscardlimit

get_transfer_bonuses

Transfer Bonuses

Return current point-transfer bonuses across tracked bank-to-partner routes, each with a verified timestamp, source URL, and best-ever-for-route when real history exists.

Parametersprogram

get_card_changes

Card Changes

Return recent verified credit-card fee and APR changes, most recent first. Each event is a diff between two confirmed snapshots of the same card.

ParameterslimitsinceDays

get_reward_valuations

Reward Valuations

Return SwitchWize points/miles valuations (cents per point) per reward currency, with sample size and provisional/published status.

Parameterscurrency

best_move_this_week

Best Move This Week

Given the credit cards a user holds, rank this week's dollar-valued actions: which held card to use per spend category, welcome offers at a 12-month high on cards not held, active transfer bonuses, and (optionally) the savings-rate move beside the card move.

ParameterswalletrequiredcategoriesusedBenefitssavingsBalancecurrentSavingsApy

get_cd_rollover_rules

CD Rollover Rules

Return verified CD rollover rules for one bank, or every bank SwitchWize has verified: what happens automatically at maturity if the customer does nothing, the grace period, how to stop the rollover, and the early-withdrawal penalty. Each fact is sourced directly from the bank's own disclosure; an unverified field is omitted, never guessed.

ParametersinstitutionId

get_card_downgrade_path

Card Downgrade Path

Return verified credit-card product-change (downgrade) paths and the issuer's fee-refund window: which no-fee or lower-fee card a given card can be product-changed to, and how long after the annual fee posts a refund is available on cancellation. Optionally filtered to one card id (issuer:slug); returns every verified path and window when omitted.

ParameterscardId

get_fed_hike_pass_through

Fed Hike Pass-Through

Return how much of the latest Federal Reserve rate hike each tracked savings account has passed through to savers so far: rate before the hike, rate now, change in basis points, pass-through share, and days until the bank moved. One source per bank; each row carries its source type and observation dates. Optionally filtered to one institution id.

ParametersinstitutionId

Version history

4
  1. v0.3.0LatestOct 12, 2026
  2. v0.2.2Sep 23, 2026
  3. v0.2.1Sep 23, 2026
  4. v0.1.0Sep 16, 2026

Score

100% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts