Monzo MCP Server

An MCP (Model Context Protocol) server for the Monzo banking API. Check your balance, list transactions, manage pots, and more — all through natural language.

Works with any MCP-compatible client, including Claude Desktop, Claude Code, Cursor, Windsurf, Cline, and others.

Note: The Monzo Developer API is for personal use only. You can only connect to your own account or a small number of explicitly allowed users.

Features

19 tools covering the full Monzo API:

| Category | Tools | Description | |----------|-------|-------------| | Accounts | monzo_whoami, monzo_list_accounts, monzo_get_balance | View account info and balances | | Pots | monzo_list_pots, monzo_deposit_into_pot, monzo_withdraw_from_pot | Manage savings pots | | Transactions | monzo_list_transactions, monzo_get_transaction, monzo_annotate_transaction | Browse and annotate transactions | | Feed | monzo_create_feed_item | Push custom items to the Monzo app feed | | Attachments | monzo_upload_attachment, monzo_register_attachment, monzo_deregister_attachment | Attach images to transactions | | Receipts | monzo_create_receipt, monzo_get_receipt, monzo_delete_receipt | Manage digital receipts | | Webhooks | monzo_register_webhook, monzo_list_webhooks, monzo_delete_webhook | Set up real-time notifications |

Getting Your Monzo Access Token

You need an access token to use this server.

Step 1: Create a Monzo Developer Account

1. Go to developers.monzo.com
2. Log in with your Monzo email address
3. You'll receive a magic link in your email — click it to sign in

Step 2: Get an Access Token via the API Playground

1. Go to developers.monzo.com/api/playground
2. Click Auth to start the authentication flow
3. You'll receive a push notification on your Monzo app — tap it and verify with your PIN, fingerprint, or Face ID (Strong Customer Authentication)
4. Once approved, the Playground will show your Access Token
5. Copy this token — you'll need it in the next section

Important Notes About Tokens

• Tokens expire after approximately 6 hours
• After authentication, you have 5 minutes of full transaction history access. After that, only the last 90 days are available
• Generating a new token invalidates the previous one
• If your token expires, repeat Step 2

Installation

Prerequisites

• Node.js 18 or later

Use via npx (recommended)

No installation required — just configure your MCP client to run:

npx monzo-mcp

Install globally

npm install -g monzo-mcp

Then run:

monzo-mcp

Build from source

git clone https://github.com/samaxbytez/monzo-mcp.git
cd monzo-mcp
npm install
npm run build

Configuration

Claude Desktop

Add the following to your Claude Desktop config file:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "monzo": {
      "command": "npx",
      "args": ["monzo-mcp"],
      "env": {
        "MONZO_ACCESS_TOKEN": "your_access_token_here"
      }
    }
  }
}

Then restart Claude Desktop.

Claude Code (CLI)

Add to your project's .mcp.json:

{
  "mcpServers": {
    "monzo": {
      "command": "npx",
      "args": ["monzo-mcp"],
      "env": {
        "MONZO_ACCESS_TOKEN": "your_access_token_here"
      }
    }
  }
}

Or add it directly via the CLI:

claude mcp add monzo -- npx monzo-mcp

Other MCP Clients (Cursor, Windsurf, Cline, etc.)

Refer to your client's documentation for how to add an MCP server. The server command is:

npx monzo-mcp

With the environment variable MONZO_ACCESS_TOKEN set to your token.

Environment Variables

| Variable | Required | Description | |----------|----------|-------------| | MONZO_ACCESS_TOKEN | Yes | Your Monzo API access token |

Usage Examples

Once configured, you can ask your AI assistant things like (using Claude as an example):

• "What's my Monzo balance?" — calls monzo_get_balance
• "Show my recent transactions" — calls monzo_list_transactions
• "List my pots" — calls monzo_list_pots
• "Move £50 into my Holiday pot" — calls monzo_deposit_into_pot
• "What did I spend at Tesco last week?" — calls monzo_list_transactions with filters
• "Send me a notification in Monzo saying 'Remember to buy milk'" — calls monzo_create_feed_item

Tool Reference

Accounts

monzo_whoami

Verify the authenticated user. Returns user ID, authentication type, and client ID.

monzo_list_accounts

List all accounts. Optionally filter by account_type (uk_retail, uk_retail_joint).

monzo_get_balance

Get the balance for a specific account. Returns balance, total balance, currency, and spend today — all in pence (minor units).

Parameters:

• account_id (required) — The account ID

Pots

monzo_list_pots

List all pots for an account.

Parameters:

• current_account_id (required) — The account ID

monzo_deposit_into_pot

Move money from your account into a pot.

Parameters:

• pot_id (required) — The pot to deposit into
• source_account_id (required) — The account to move money from
• amount (required) — Amount in pence (e.g. 1000 = £10.00)
• dedupe_id (required) — A unique string to prevent duplicate deposits

monzo_withdraw_from_pot

Move money from a pot back into your account. Pots with "added security" (lock) cannot be withdrawn via API.

Parameters:

• pot_id (required) — The pot to withdraw from
• destination_account_id (required) — The account to move money to
• amount (required) — Amount in pence
• dedupe_id (required) — A unique string to prevent duplicate withdrawals

Transactions

monzo_list_transactions

List transactions for an account. Limited to the last 90 days (after 5 minutes post-authentication).

Parameters:

• account_id (required) — The account ID
• since (optional) — RFC 3339 timestamp or object ID (e.g. 2024-01-01T00:00:00Z)
• before (optional) — RFC 3339 timestamp
• limit (optional) — Results per page (default 30, max 100)

monzo_get_transaction

Get details of a single transaction.

Parameters:

• transaction_id (required) — The transaction ID
• expand_merchant (optional) — Set to true to include full merchant details

monzo_annotate_transaction

Add custom key-value metadata to a transaction.

Parameters:

• transaction_id (required) — The transaction ID
• key (required) — The metadata key
• value (required) — The metadata value (empty string to delete)

Feed

monzo_create_feed_item

Create a custom item in the Monzo app feed.

Parameters:

• account_id (required) — The account ID
• title (required) — Feed item title
• body (required) — Feed item body text
• image_url (optional) — URL of an image to display
• url (optional) — URL to open when tapped

Attachments

monzo_upload_attachment

Get a pre-signed upload URL for an image.

Parameters:

• file_name (required) — e.g. receipt.png
• file_type (required) — MIME type, e.g. image/png
• content_length (required) — File size in bytes

monzo_register_attachment

Attach an uploaded image to a transaction.

Parameters:

• external_id (required) — The transaction ID
• file_url (required) — The URL from monzo_upload_attachment
• file_type (required) — MIME type

monzo_deregister_attachment

Remove an attachment from a transaction.

Parameters:

• id (required) — The attachment ID

Receipts

monzo_create_receipt

Create or update a digital receipt on a transaction.

Parameters:

• transaction_id (required) — The transaction ID
• items (required) — JSON array of receipt items (each with description, amount in pence, currency, quantity)
• tax (optional) — Total tax in pence

monzo_get_receipt

Get a receipt by its external ID.

Parameters:

• external_id (required) — Typically the transaction ID

monzo_delete_receipt

Delete a receipt.

Parameters:

• external_id (required) — Typically the transaction ID

Webhooks

monzo_register_webhook

Register a URL to receive real-time transaction notifications.

Parameters:

• account_id (required) — The account ID
• url (required) — The webhook URL

monzo_list_webhooks

List all webhooks for an account.

Parameters:

• account_id (required) — The account ID

monzo_delete_webhook

Delete a webhook.

Parameters:

• webhook_id (required) — The webhook ID

Troubleshooting

"Missing required environment variable: MONZO_ACCESS_TOKEN"

You haven't set the MONZO_ACCESS_TOKEN in your MCP server config. See Getting Your Monzo Access Token.

"Monzo API error (401): unauthorized"

Your access token has expired (tokens last ~6 hours). Get a new one from the Monzo Playground.

"Monzo API error (403): forbidden"

You may need to complete Strong Customer Authentication. Open the Monzo app and check for a pending approval notification.

"Transaction history is empty or limited"

After 5 minutes post-authentication, the API only returns the last 90 days of transactions. This is a Monzo security restriction.

Pots withdrawal fails

Pots with "added security" (locked pots) cannot be withdrawn from via the API. Unlock the pot in the Monzo app first.

License

MIT