Monzo MCP Server

The Monzo MCP Server bridges the gap between Claude and personal banking by exposing a rich set of Monzo API endpoints as first‑class tools. It lets developers and power users ask natural language questions about balances, pots, transactions, and even perform simple transfers—all without leaving the chat interface. By translating user intent into authenticated API calls, the server turns a conversational AI into an instant banking assistant that respects Monzo’s security model and rate limits.

At its core, the server provides three primary capabilities: balance inquiry, pot management, and transaction exploration. Each function is mapped to a specific Monzo endpoint, wrapped in a declarative schema that the MCP client can consume. For example, the function accepts an optional account type and a flag to return total balances, while lists all pots for the selected account. The tool allows users to move money between accounts and pots, making the assistant a practical helper for everyday budgeting. Because all data is fetched live from Monzo’s servers, responses reflect the current state of accounts rather than stale cached snapshots.

Developers benefit from the server’s seamless integration with Claude Desktop. After a single configuration step, any conversation can reference Monzo data by simply typing natural language queries. The tool automatically handles OAuth tokens, account resolution, and error handling, freeing developers from boilerplate code. This makes it ideal for building custom workflows—such as a weekly financial recap, a real‑time spending alert system, or an automated savings plan—without writing repetitive API wrappers.

Real‑world use cases abound: a personal finance app could let users ask, “How much is in my savings pot?” and receive an instant answer; a budgeting bot could monitor daily spend thresholds and suggest transfers to pots; or a business owner could quickly verify account balances before making large payments. Because the MCP server exposes multiple account types (personal, prepaid, flex, rewards, joint), it caters to both individual and shared finances, supporting complex household budgeting scenarios.

Unique advantages of the Monzo MCP Server include zero‑code banking for end users, a clean separation between data access and conversational logic, and the ability to leverage Monzo’s rich API ecosystem (pots, balances, transactions) directly within AI workflows. By turning banking data into conversational actions, the server empowers developers to create intuitive, secure, and highly personalized financial assistants.