Wire Cash: bank wire fees and transfer costs

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

Finance & Payments

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compare_bank_wire_fees Read-only

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 Banks that do not publish the fee or do not offer the wire are listed last with the reason.

wire_typestring, required

Which fee to compare: domestic_outgoing, domestic_incoming, international_outgoing_usd, international_outgoing_foreign_currency or international_incoming.

banksarray

Bank names to compare, e.g. ["Chase","Wells Fargo","Ally"]. Omit to rank all covered banks.

account_typestring

personal (17 banks) or business (9 banks). Default personal.

Tools (4)

compare_bank_wire_fees

read-only

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

Input schema (JSON)

{
  "type": "object",
  "required": [
    "wire_type"
  ],
  "properties": {
    "banks": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 60,
        "minLength": 2
      },
      "maxItems": 17,
      "minItems": 2,
      "description": "Bank names to compare, e.g. [\"Chase\",\"Wells Fargo\",\"Ally\"]. Omit to rank all covered banks."
    },
    "wire_type": {
      "enum": [
        "domestic_outgoing",
        "domestic_incoming",
        "international_outgoing_usd",
        "international_outgoing_foreign_currency",
        "international_incoming"
      ],
      "type": "string",
      "description": "Which fee to compare: domestic_outgoing, domestic_incoming, international_outgoing_usd, international_outgoing_foreign_currency or international_incoming."
    },
    "account_type": {
      "enum": [
        "personal",
        "business"
      ],
      "type": "string",
      "default": "personal",
      "description": "personal (17 banks) or business (9 banks). Default personal."
    }
  },
  "additionalProperties": false
}

find_cheapest_way_to_send_money

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.

read-only

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

Input schema (JSON)

{
  "type": "object",
  "required": [
    "country"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1,
      "description": "How many providers to return, cheapest first. Default 10."
    },
    "country": {
      "type": "string",
      "maxLength": 20,
      "minLength": 2,
      "description": "Destination: Mexico, India or Philippines (country name, ISO code MX/IN/PH or currency MXN/INR/PHP)."
    },
    "amount_usd": {
      "enum": [
        200,
        500
      ],
      "type": "integer",
      "default": 200,
      "description": "Amount sent in US dollars: 200 or 500 (the two amounts the World Bank surveys). Default 200."
    },
    "receiving_method": {
      "enum": [
        "bank_account",
        "cash",
        "mobile_wallet"
      ],
      "type": "string",
      "description": "Optional: only providers paying out to a bank account, cash pickup or mobile wallet."
    }
  },
  "additionalProperties": false
}

get_bank_wire_fees

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.

read-only

Argument	Type	Description
bank*	string	Bank name or common short name, e.g. "Chase", "Bank of America", "BofA", "Navy Federal", "Schwab".
account_type	string	personal (consumer checking) or business (business checking). Default personal.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "bank"
  ],
  "properties": {
    "bank": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Bank name or common short name, e.g. \"Chase\", \"Bank of America\", \"BofA\", \"Navy Federal\", \"Schwab\"."
    },
    "account_type": {
      "enum": [
        "personal",
        "business"
      ],
      "type": "string",
      "default": "personal",
      "description": "personal (consumer checking) or business (business checking). Default personal."
    }
  },
  "additionalProperties": false
}

get_wire_cutoff_times

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.

read-only

Argument	Type	Description
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.

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "bank": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Optional bank name, e.g. \"Wells Fargo\". Omit for every bank."
    },
    "date": {
      "type": "string",
      "pattern": "^2026-(0[1-9]|1[0-2])-(0[1-9]|[12]\\d|3[01])$",
      "description": "Optional date in 2026 as YYYY-MM-DD, e.g. 2026-11-27, to check whether Fedwire is open that day."
    }
  },
  "additionalProperties": false
}

Wire Cash: bank wire fees and transfer costs

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compare_bank_wire_fees Read-only

Wire Cash: bank wire fees and transfer costs

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compare_bank_wire_fees Read-only

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Tools (4)

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