Bank Skill

Purpose

Gives AI agents banking capabilities via the Wise API. Agents can check multi-currency balances, send money, and retrieve account/routing details for receiving payments.

Prerequisites

```
WISE_API_TOKEN
```
environment variable set to a valid Wise API token
Optional:
```
WISE_PROFILE_ID
```
(defaults to first available profile)

Operations

1. Check Balance

Purpose: Query Wise multi-currency balances for the configured profile.

Inputs:

```
action
```
:
```
"balance"
```
(required)
```
currency
```
: Currency code filter, e.g.
```
"USD"
```
(optional — returns all if omitted)

Outputs:

JSON array of balance objects, each with
```
currency
```
,
```
amount
```
, and
```
reservedAmount
```

Usage:

bash

echo '{"action": "balance"}' | ./run.sh
echo '{"action": "balance", "currency": "USD"}' | ./run.sh

Example output:

json

{
  "success": true,
  "balances": [
    {"currency": "USD", "amount": 1250.00, "reservedAmount": 0.00},
    {"currency": "EUR", "amount": 500.75, "reservedAmount": 10.00}
  ]
}

2. Get Receive Details

Purpose: Retrieve account number, routing number, IBAN, and related info so others can send you payments.

Inputs:

```
action
```
:
```
"receive-details"
```
(required)
```
currency
```
: Currency code, e.g.
```
"USD"
```
(optional — returns all if omitted)

Outputs:

JSON object with account holder name, account number, routing number (or IBAN/SWIFT for non-USD), and bank name

Usage:

bash

echo '{"action": "receive-details"}' | ./run.sh
echo '{"action": "receive-details", "currency": "USD"}' | ./run.sh

Example output:

json

{
  "success": true,
  "details": [
    {
      "currency": "USD",
      "accountHolder": "Your Business Name",
      "accountNumber": "1234567890",
      "routingNumber": "026073150",
      "bankName": "Community Federal Savings Bank"
    }
  ]
}

3. Send Money

Purpose: Initiate a transfer from your Wise balance to a recipient.

Inputs:

```
action
```
:
```
"send"
```
(required)
```
sourceCurrency
```
: Source currency code, e.g.
```
"USD"
```
(required)
```
targetCurrency
```
: Target currency code, e.g.
```
"EUR"
```
(required)
```
amount
```
: Amount to send as a number (required)
```
recipientName
```
: Full name of the recipient (required)
```
recipientAccount
```
: Recipient account number or IBAN (required)

Additional fields for USD ACH transfers:

```
recipientRoutingNumber
```
: 9-digit ABA routing number (required)
```
recipientCountry
```
: Two-letter country code, e.g.
```
"US"
```
(required)
```
recipientAddress
```
: Street address (required)
```
recipientCity
```
: City (required)
```
recipientState
```
: State code, e.g.
```
"NY"
```
(required)
```
recipientPostCode
```
: ZIP/postal code (required)

recipientAccountType

"CHECKING"

"SAVINGS"

(optional, defaults to

"CHECKING"

)

Outputs:

JSON object with transfer ID, status, and confirmation details

USD ACH Transfer Example:

bash

echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "USD",
  "amount": 100.00,
  "recipientName": "John Smith",
  "recipientAccount": "123456789",
  "recipientRoutingNumber": "111000025",
  "recipientCountry": "US",
  "recipientAddress": "123 Main St",
  "recipientCity": "New York",
  "recipientState": "NY",
  "recipientPostCode": "10001",
  "recipientAccountType": "CHECKING"
}' | ./run.sh

EUR IBAN Transfer Example (simpler):

bash

echo '{
  "action": "send",
  "sourceCurrency": "USD",
  "targetCurrency": "EUR",
  "amount": 100.00,
  "recipientName": "Jane Doe",
  "recipientAccount": "DE89370400440532013000"
}' | ./run.sh

Example output:

json

{
  "success": true,
  "transfer": {
    "id": 12345678,
    "status": "processing",
    "sourceAmount": 100.00,
    "sourceCurrency": "USD",
    "targetAmount": 93.50,
    "targetCurrency": "EUR"
  }
}

Failure Modes

Missing
WISE_API_TOKEN
: Returns

{"success": false, "error": "WISE_API_TOKEN environment variable is not set"}

. Set the token and retry.

Invalid API token: Returns

{"success": false, "error": "Authentication failed — check your WISE_API_TOKEN"}

Insufficient funds: Returns
```
{"success": false, "error": "Insufficient funds in USD balance"}
```
. Check balance before retrying with a smaller amount.
Invalid recipient details: Returns
```
{"success": false, "error": "Invalid recipient account details"}
```
. Verify recipient information and retry.

Unknown action: Returns

{"success": false, "error": "Unknown action: <action>"}

. Use one of:

balance

receive-details

send

When to Use

Use this skill when you need to check bank balances, send money to someone, or share your account details so someone can pay you.

When Not to Use

Do not use for crypto transactions (Wise restricts crypto use)
Do not use with accounts holding significant funds (R&D only)

bank-skill

NPX Install

Tags

SKILL.md Content

Bank Skill

Purpose

Prerequisites

Operations

1. Check Balance

2. Get Receive Details

3. Send Money

Failure Modes

When to Use

When Not to Use