open-banking-mcp

Open Banking MCP

An MCP (Model Context Protocol) server for Open Banking public APIs, currently supporing Australian Consumer Data Right (CDR) standard.

[!WARNING] Disclaimer: Currently supports Australian Banking APIs. This tool reads publicly available data provided by each bank via their CDR API. This MCP do not own, store, or guarantee the accuracy of this data. Rates and product details change frequently. Always verify directly with your bank before making any financial decision.

What you can ask (sample PROMPTs), few examples :

• Show me NAB's credit card offerings
• Get details for NAB Qantas Rewards Premium Card
• How many credit cards does NAB offer?

Scenario flow:

1. List all Australian banks

   User discovers 121+ banks available. Narrows down to top-tier banks (NAB, ANZ, Westpac, etc.).

2. Show me NAB's credit card options

   User sees NAB has 10 cards. Interested in rewards options: Qantas Rewards Premium or Rewards Platinum.

3. Get full details for NAB Qantas Rewards Premium Card

   User sees all terms, annual fee policy, application link. Can now decide to apply based on complete CDR data.

Installation

MCP Client configuration

Add to ~/.gemini/antigravity/mcp_config.json:

{
  "mcpServers": {
    "open-banking-mcp": {
      "command": "npx",
      "args": ["-y", "open-banking-mcp@latest"]
    }
  }
}

Follow Claude MCP guide and add:

{
  "mcpServers": {
    "open-banking-mcp": {
      "command": "npx",
      "args": ["-y", "open-banking-mcp@latest"]
    }
  }
}

Install via CLI (MCP only)

claude mcp add open-banking-mcp npx -y open-banking-mcp@latest

Use the Claude Code CLI to add the Chrome DevTools MCP server (guide):

Config file location:

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

Go to Cursor Settings → MCP → New MCP Server and add:

{
  "command": "npx",
  "args": ["-y", "open-banking-mcp@latest"]
}

Follow VS Code MCP guide and add:

{
  "mcpServers": {
    "open-banking-mcp": {
      "command": "npx",
      "args": ["-y", "open-banking-mcp@latest"]
    }
  }
}

Or use CLI (macOS/Linux):

code --add-mcp '{"name":"open-banking-mcp","command":"npx","args":["-y","open-banking-mcp"]}'

npx (no install needed)

npx open-banking-mcp

Global install

npm install -g open-banking-mcp
open-banking-mcp

Available Tools

| Tool | Description | |------|-------------| | list_banks | List all 121+ Australian CDR-registered banks A-Z. Search by name (e.g., 'comm' finds CommBank). | | list_banking_products | List or count public banking products for a given bank. Summarize by category or browse page by page. | | get_banking_product | Get full details of a specific banking product by ID. Returns fees, rates, features, eligibility, and links. | | compare_bank_rates | Compare interest rates across 2-3 Australian banks for a product category in a sorted table. | | find_best_savings_rate | Search all banks for the highest variable savings account rate. Returns top 10 results. ⏳ Live progress. | | find_best_term_deposit_rate | Search all banks for the highest fixed term deposit rate. Returns top 10 results. ⏳ Live progress. | | compare_home_loans | Search all banks for the lowest home loan rate (FIXED or VARIABLE). Returns top 10 with comparison rates. ⏳ Live progress. | | find_credit_cards | Search all banks for credit cards filtered by 'travel', 'cashback', 'zero-fee', or 'all'. ⏳ Live progress. | | find_personal_loans | Search all banks for the lowest personal loan rates ($5k–$50k, FIXED or VARIABLE). | | show_raw_error | Show full technical error detail for a bank if a previous request failed. | | dismiss_disclaimer | Dismiss the legal disclaimer for the session. |

HTTP / SSE mode (remote or cloud)

npx open-banking-mcp --http --port 3001

| Endpoint | Description | |----------|-------------| | GET /sse | MCP SSE connection | | GET /health | Health check | | GET / | Server metadata | | GET /mcp | Exposed endpoint |

Comprehensive cURL example to fetch all banks having "australia" in the name

curl --location 'http://localhost:3001/mcp' \
--header 'Content-Type: application/json' \
--header 'Accept: text/event-stream' \
--header 'Accept: application/json' \
--data '{
    "jsonrpc": "2.0",
    "id": 1,
    "method": "tools/call",
    "params": {
        "name": "list_banks",
        "arguments": {
            "filter": "australia"
        }
    }
}'

Troubleshooting

MCP server not found

npm install -g open-banking-mcp@latest
npm cache clean --force

Connection timeout

Verify the server starts:

open-banking-mcp
# Should output: "[open-banking-mcp] Server started on stdio"

Progress logs (HTTP mode)

Progress updates appear in server terminal stderr:

[PROGRESS] Searching best savings rates across 121 banks...
[PROGRESS] Searched 10/121 banks...

Known issues / limitations

• Bank API Intermittency — Some public CDR APIs are intermittently unreachable; MCP gracefully skips affected banks.
• Pagination Limited — Only page 1 (25 products) fetched per bank; best rates on pages 2+ may be missed.
• Product Miscategorization — Some CDR APIs have incorrect product categories; verify directly with bank before applying.
• Market tools sparse results — Most AU banks publish minimal rate details on CDR public APIs. find_best_savings_rate, find_best_term_deposit_rate, and compare_home_loans may return 0-10 results across 121 banks. Full rate discovery requires authenticated APIs (future).
• For AU: 120+ parallel requests for market tools can be slow (10-30s) depending on network.
• Base URLs hardcoded — Fetched from ACCC CDR Register in April 2026. Refresh periodically via:

  curl 'https://api.cdr.gov.au/cdr-register/v1/banking/data-holders/brands/summary' --header 'x-v: 1'