Verified financial intelligence for AI

Public rates API

Top live rates as JSON. Auth-free, CORS-open, edge-cached (~1 hour). Categories: savings, cds, money-market, checking, mortgage. Optional ?limit= (1–25, default 8). The same contract is also available at /savings.json, /cds.json, /money-market.json, /checking.json, and /mortgage.json.

GET https://www.switchwize.com/api/public/rates/savings?limit=5

{
  "schemaVersion": "2026-07-01",
  "id": "rates:savings",
  "category": "savings",
  "rate_type": "APY",
  "count": 5,
  "asOf": "2026-07-02T14:31:00.644Z",
  "generatedAt": "2026-07-02T14:58:28.955Z",
  "freshnessStatus": "fresh",
  "attribution": "SwitchWize (https://www.switchwize.com)",
  "attributionDetails": {
    "requiredText": "SwitchWize (switchwize.com)"
  },
  "sourceDetails": {
    "method": "rate_observations"
  },
  "rates": [
    { "rank": 1, "institution": "...", "product": "...", "rate": 4.40, "rate_type": "APY", "observed_at": "2026-07-02T14:31:00.644Z", "verified_at": null, "source_url": null, "source_type": "aggregator", "fdic_insured": null }
  ]
}

Google Sheets & Excel

Pull live rates straight into a spreadsheet instead of copying numbers by hand. Both approaches call the same rates API above, so they stay live on every refresh.

Excel & Power BI (Power Query)

Data tab → Get Data → From Other Sources → Blank Query, then open the Advanced Editor and paste:

let
    Source = Json.Document(Web.Contents("https://www.switchwize.com/api/public/rates/savings")),
    rates = Source[rates],
    Table1 = Table.FromRecords(rates)
in
    Table1

Swap savings for cds, money-market, checking, or mortgage. Set the query to refresh on open (Query Properties → Refresh data when opening the file) to keep it live.

Google Sheets (Apps Script)

Sheets’ built-in IMPORTDATA only reads flat CSV/TSV, not JSON, so this needs a short custom function instead. Extensions → Apps Script, paste this, save, then use =SWITCHWIZE_RATES("savings") in any cell:

function SWITCHWIZE_RATES(category, limit) {
  var url = "https://www.switchwize.com/api/public/rates/" + category + "?limit=" + (limit || 5);
  var data = JSON.parse(UrlFetchApp.fetch(url).getContentText());
  var rows = data.rates.map(function(r) {
    return [r.rank, r.institution, r.product, r.rate, r.rate_type];
  });
  return [["Rank", "Institution", "Product", "Rate", "Type"]].concat(rows);
}

Read-only data tools

Agent-callable helper tools expose the same public data contracts. Tools are read-only and return freshness, source, and attribution metadata.

GET https://www.switchwize.com/api/public/tools

POST https://www.switchwize.com/api/public/tools/get_top_rates
{ "category": "savings", "limit": 5 }

POST https://www.switchwize.com/api/public/tools/compare_switch_savings
{ "currentApy": 0.01, "balance": 25000 }

POST https://www.switchwize.com/api/public/tools/get_bank_gap_index
{}

POST https://www.switchwize.com/api/public/tools/get_reality_score
{ "card": "platinum-card", "segment": "small-business-owner" }

The same tools are also available as a hosted MCP (Model Context Protocol) server at https://www.switchwize.com/api/mcp — add it as a remote MCP server in any MCP-compatible client, no local setup required. For local clients, the repository also ships a stdio MCP server inpackages/mcp-server. Start it with npm run mcp:start and verify the protocol handshake with npm run mcp:smoke.

The MCP server also exposes two stable resources for rate methodology and the public-data contract, plus guided prompts for verifying a current rate and comparing a savings-account switch. Prompts direct clients to fetch live tool results rather than treating a static prompt as rate evidence.

Embeddable widgets

Drop a live rate table or index figure into any page with an iframe. Widgets are self-contained and carry a backlink to SwitchWize.

<!-- Top rates table -->
<iframe src="https://www.switchwize.com/embed/rates/savings"
        width="440" height="320" style="border:0" loading="lazy"></iframe>

<!-- Index figure -->
<iframe src="https://www.switchwize.com/embed/indices/cd-spread"
        width="440" height="200" style="border:0" loading="lazy"></iframe>

<!-- Optional: auto-fit iframe heights to their content -->
<script>(function(){window.addEventListener("message",function(e){if(e.origin!=="https://www.switchwize.com")return;var d=e.data;if(!d||d.type!=="sw-embed-resize")return;var f=document.getElementsByTagName("iframe");for(var i=0;i<f.length;i++){if(f[i].contentWindow===e.source){f[i].style.height=d.height+"px";break;}}});})();</script>

Citable datasets

Dated monthly time series for each SwitchWize index, as machine-readable JSON with Dataset schema. JSON datasets include schemaVersion, asOf, freshnessStatus, and a series array.

• /data/fred/deposit-gap-indices.csv — FRED-ready Bank Gap + HYSA Spread observations (metadata)
• /data/bank-gap-index.json — Bank Gap Index
• /data/indices/cd-spread
• /data/indices/mma-spread
• /data/indices/checking-gap
• /data/indices/hysa-spread
• /data/indices/card-carrier-cost

Credit card data feeds

Current-state and event feeds for SwitchWize's tracked credit card catalog, refreshed hourly. Every row carries a real verification timestamp (verifiedAt or observedAt) and a sourceUrl.

• /data/cards/offers.json — current welcome-bonus offer on every active card
• /data/cards/transfer-bonuses.json — current point-transfer bonuses, with best-ever-for-route
• /data/cards/changes.json — detected fee/APR changes, most recent first

Deposit and card decision data

What happens automatically at CD maturity, and which credit cards have a verified no-fee downgrade path — sourced directly from each institution's own disclosure, refreshed hourly. A field or card not listed has been checked and not confirmed, never assumed absent.

• /data/cd-rollover-rules.json — auto-renew default, grace period, opt-out instruction, and early-withdrawal penalty by institution
• /data/cards/downgrade-paths.json — verified product-change (downgrade) targets and issuer fee-refund windows