AI agents for Wise
Think of a Monmo AI agent in Wise as a careful finance assistant with your account open. It reports balances in every currency, prepares supplier transfers from the bills that are due, checks the rate and fee before a conversion and matches statements to your books. It uses your own Wise account, and no transfer, conversion or recipient change happens until you allow it.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Wise
Report balances each morning
Every weekday at 8 the agent reads the balance of each currency in your Wise account, adds it up in your home currency at today's rate and posts one line in Slack, with any large movement since yesterday.
AskEvery weekday at 8, post my Wise balances in Slack with the total in GBP and anything that moved more than 1,000.
Prepare this week's supplier payments
It reads the bills due this week in Xero, finds each supplier among your Wise recipients and prepares the transfers with amount, currency and invoice number as the reference. You approve the batch before anything is funded.
AskPrepare Wise transfers for every bill in Xero due by Friday. Use the invoice number as the reference and show me the batch first.
Check a conversion before you make it
Ask what it costs to move euros into dollars. The agent gets a quote, shows the rate, the fee and the amount that lands, and leaves the decision to you. Converting asks first.
AskWhat would it cost to convert 8,000 EUR to USD in Wise right now? Show the rate, the fee and what I would receive.
Match statements to your books
At month end it downloads each currency's statement, matches the lines to transactions in Xero or QuickBooks and lists the ones with no match, such as a card payment with no receipt or a fee nobody booked.
AskMatch October's Wise USD and EUR statements to QuickBooks and list every line that has no match.
Track a transfer
When a supplier asks where their money is, the agent finds the transfer, reads its status and the expected arrival Wise shows, and drafts a reply with the date, amount and reference for you to send.
AskThe supplier in Lisbon says they have not been paid. Find our last Wise transfer to them and draft a reply with its status.
Sort the month's card spend
It lists every Wise card payment for the month, finds the matching receipt in Gmail, suggests a category for each and puts it all in Google Sheets, marking the payments that still need a receipt.
AskList October's Wise card payments in a sheet with a category and a link to the receipt, and mark the ones with no receipt.
Keep recipient details tidy
It finds duplicate recipients, old bank details that no longer match a supplier's latest invoice and recipients nobody has paid in a year. Adding, editing or removing a recipient asks first.
AskCheck our Wise recipients against the bank details on suppliers' latest invoices and list any that differ.
How it connects
- 1You connect your own Wise account once, personal or business. On a business account the owner or an admin usually sets up the access. If you give it read-only access, the agent can read balances and statements but cannot prepare transfers.
- 2You choose which agents may use Wise. Keep it to your finance agent; an agent that only drafts emails or posts has no reason to see your balances.
- 3Reading balances, rates, transfers and statements needs no approval. Creating a transfer, converting money, adding or changing a recipient always asks first, and each batch of payments has its own card.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Questions people ask
Can an AI agent send money with Wise?
It prepares the payment and you send it. A Monmo agent sets up each transfer with the recipient, amount, currency and reference, and shows the whole batch on one card. Nothing is funded until you allow that card. The transfer is made through the Wise connection, or in its own browser when the connection does not cover something.
Can it reconcile Wise statements with Xero or QuickBooks?
Yes. The agent reads the statement for each currency balance, matches the lines to the bank transactions in Xero or QuickBooks, and lists the ones that are missing, duplicated or booked at a different amount. Creating or changing an entry in your books waits for your approval.
Is it safe to connect Wise to an AI agent?
The agent can do no more than the Wise access you give it, and you can give it read-only access. It reads without asking, but every transfer, conversion and recipient change needs your approval on a card. You can limit Wise to one agent, watch its screen while it works and disconnect at any time.
Will the agent tell me when to convert currency?
No. It does not predict exchange rates or advise you when to convert. What it does is show today's rate, the fee and the amount you would receive, and compare it with what you paid on recent conversions. The timing and the decision to convert stay with you.