MCP-Upbank: An MCP Server for the Up Bank API

The MCP‑Upbank server bridges Claude, VS Code, Cursor and other MCP‑compatible AI assistants to the Up Bank API. By exposing a rich set of banking resources as a first‑class data source, it enables developers to embed real‑time financial information into conversational AI workflows without writing custom connectors. The server is especially valuable for teams that want to surface personal or business banking data in chat‑based tools, automate financial reporting, or build budgeting assistants that can pull live transaction lists and account balances.

What problem does it solve?

Many LLM applications require up‑to‑date financial data, but most banks expose only REST APIs that are difficult to integrate directly into conversational agents. MCP‑Upbank translates the Up Bank API’s OpenAPI specification into a fully typed MCP interface, handling authentication, pagination, and data shaping automatically. This removes the boilerplate of manual API calls and lets developers focus on crafting prompts that interpret and act on banking data.

How the server works

After obtaining a personal access token from Up Bank, users can point their MCP‑compatible client at the server’s endpoint. The server validates the token and forwards requests to Up Bank, translating responses into the MCP schema format. Because the Up Bank API uses opaque cursors for pagination, the server implements custom logic to surface complete lists of transactions or accounts. The result is a seamless experience where the assistant can query “Show me my spending for last month” or “What is my current balance?” and receive structured data ready for further processing.

Key features

• Typed resource access – Every endpoint from the Up Bank API is represented as a strongly‑typed MCP resource, making it trivial to reference accounts, transactions, and balances in prompts.
• Automatic pagination handling – Custom handlers aggregate paginated results so that the assistant can return a single, coherent list without exposing cursor logic to the user.
• Safe read‑only access – The API does not support mutations, so developers can be confident that the assistant cannot alter account data or initiate transfers.
• OpenAPI‑driven generation – The server is built from the official Up Bank OpenAPI spec using Orval, ensuring that any future API changes are reflected quickly.

Use cases and real‑world scenarios

• Personal finance assistants – Users can ask for daily transaction summaries, monthly spending comparisons, or budgeting insights directly within their chat tool.
• Financial reporting bots – Teams can generate automated reports that pull the latest balances and transaction histories, reducing manual spreadsheet work.
• Compliance monitoring – Auditors can query transaction logs in real time, embedding the data into audit workflows without exposing sensitive credentials.
• Product demos – Start‑ups can showcase AI‑powered banking features by integrating the server into prototype chat interfaces.

Integration with AI workflows

Once configured, any MCP‑compatible client can invoke Up Bank resources as if they were built‑in functions. Prompts can reference or , and the assistant will return structured JSON that can be further processed by downstream LLM calls or custom logic. Because the server handles authentication internally, developers can keep personal access tokens secure while still providing rich banking data to their assistants.

Unique advantages

• Zero‑mutation safety – The server deliberately exposes only read operations, eliminating the risk of accidental fund transfers or data loss.
• Developer‑friendly tooling – Built with Orval and Zod, the server’s type definitions are accurate and maintainable, easing future updates.
• Cross‑platform compatibility – Whether you’re using Claude, VS Code’s chat, or Cursor, the same MCP endpoint works across all platforms.

MCP‑Upbank turns a complex banking API into an intuitive, AI‑ready data source, empowering developers to build smarter financial assistants with minimal effort.