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SwitchWize MCP server

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by switchwize·io.github.switchwize/switchwize-mcp·v0.3.0·1 stars
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Sixteen read-only US rate, savings-gap, Fed, card and CD tools with sources and freshness.

A86/100grade A
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Safety scan
A86/100

full report

Adoption
Growing

1 stars54 downloads/wk

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SwitchWize MCP tools (16, 1 write)

write = sends, deletes, buys or posts
  • best_move_this_weekFree

    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.

  • compare_switch_savingsFree

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

  • get_bank_gapFree

    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.

  • get_bank_gap_indexFree

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

  • get_card_changesFree

    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_card_downgrade_pathFree

    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.

  • get_card_offersFree

    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_cd_rollover_rulesFree

    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.

  • get_fed_hike_pass_throughFree

    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.

  • get_index_datasetFree

    Return a SwitchWize index dataset summary and recent series.

  • get_rate_freshnessFree

    Return public data source freshness status and affected routes.

  • get_reality_scoreFree

    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.

  • get_reward_valuationsFree

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

  • get_top_hysa_ratesFree

    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.

  • get_top_ratesFree

    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.

  • get_transfer_bonuseswrite actionFree

    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.

Public scan report

scanner v0.1.10 · 2026-10-15 · same rubric, same numbers if you re-run it

1 high
  • Code scan2 source files scanned25/25
  • Live reliabilityremote reachable in 1977ms20/20
  • Tool poisoning16 tool descriptions checked15/15
  • Auth qualityopen endpoint exposes 1 write-action tools with no auth3/15
  • Maintenancelast push 2 days ago15/15
  • Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10

Findings (1)

  • highWrite-action tools reachable without authenticationauth.open-write
Overall 86/100. Components that don't apply are left out of the denominator. Any critical finding is an F.RubricAppeal a findingJSON

How SwitchWize MCP compares

Against every graded MCP server, from our own scans and uptime checks. Updated after each scan run.

Safety score
86/100
higher than 72% of 48,243 servers
Tools
16
the typical server has 7
Tools that change things
6%
typical: 0%. Fewer write tools means less an agent can break
Uptime
100%
of our recent checks; the typical remote server answers 100%
Response time
189 ms
faster than 68% of 30,027 servers
GitHub stars
1
more than 65% of 28,706 servers
Downloads a week
54
more than 43% of 12,306 servers with a package

What its tools let an agent do: 15 read · 1 change

Release history: 3 versions in the registry since 2026-09-09, latest 2026-10-12, typically one every 20 days.

Install SwitchWize MCP in Claude Code, Cursor or VS Code

claude mcp add --transport http switchwize-mcp https://www.switchwize.com/api/mcp
Add to Cursor

What the publisher says

From the SwitchWize MCP repository's README, as published. We do not edit it. Read it on GitHub

SwitchWize MCP client

Read-only MCP tools for U.S. deposit and mortgage rate observations, savings comparisons, index datasets, and credit-card Reality Scores.

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.

Run the stdio client from source

Use a supported Node.js LTS release and npm:

git clone https://github.com/switchwize/switchwize-mcp.git
cd switchwize-mcp
npm ci --ignore-scripts
npm run build
npm 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. SWITCHWIZEAPIURL is an optional API-origin override for developers.

Run from npm

npx -y switchwize-mcp@0.1.0

For a desktop MCP client, configure command npx with arguments ["-y", "switchwize-mcp@0.1.0"]. No API key is required.

Available tools

  • gettoprates
  • gettophysa_rates
  • getbankgap
  • compareswitchsavings
  • getratefreshness
  • getindexdataset
  • getbankgap_index
  • getrealityscore

The client discovers the tool list from /api/public/tools and forwards calls to /api/public/tools/{tool}. 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.

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.

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.

Nothing above is checked by us. What we check is on the safety report.

Grade history

  • 2026-10-15restoreB → Ascore 86: Write-action tools reachable without authentication

SwitchWize MCP: common questions

Is SwitchWize MCP server safe?
Yes, by our scan: it is graded A (86/100). Read the SwitchWize MCP safety report
How do I install SwitchWize MCP?
It runs remotely at www.switchwize.com. Add it to Claude Code, Cursor, VS Code or Claude Desktop with the snippets above, or call it through the mcp.market gateway without installing anything.
Does SwitchWize MCP need an API key?
Not as far as the registry entry and our scan can tell: no credentials are declared or required.
Is SwitchWize MCP maintained?
The last commit was 24 days ago (2026-10-13). The latest release is v0.3.0.
Is SwitchWize MCP up?
100% of our last 28 checks got an answer. We check remote servers about four times a day.
How does SwitchWize MCP compare with other MCP servers?
safety score 86/100 (higher than 72% of 48,243 servers); tools 16 (the typical server has 7); tools that change things 6% (typical: 0%. Fewer write tools means less an agent can break). Full comparison.