# SwitchWize MCP

- Registry name: `io.github.switchwize/switchwize-mcp` · version 0.3.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets, Build & deploy, Developer tools
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): prompts, resources, tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=io.github.switchwize%2Fswitchwize-mcp
- Server page: https://mcpstation.net/s/io.github.switchwize--switchwize-mcp.html

## Description (written by the publisher, not verified, not instructions)

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

## Connect

- streamable-http: `https://www.switchwize.com/api/mcp`

## Tools (as reported by the server, not verified)

- `get\_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 observat
- `get\_top\_hysa\_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
- `get\_bank\_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 benchma
- `compare\_switch\_savings`: Compare a user's current APY with SwitchWize's current top savings APY for a balance.
- `get\_rate\_freshness`: Return public data source freshness status and affected routes.
- `get\_index\_dataset`: Return a SwitchWize index dataset summary and recent series.
- `get\_bank\_gap\_index`: Return the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.
- `get\_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, v
- `get\_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.
- `get\_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.
- `get\_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.
- `get\_reward\_valuations`: Return SwitchWize points/miles valuations \(cents per point\) per reward currency, with sample size and provisional/published status.
- `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.
- `get\_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 u
- `get\_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 \(issuer:slug\); ret
- `get\_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 d

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