Monzo MCP

Name: Monzo MCP
Author: partymola

by partymolaversion 0.13.0i★ –iRuns on your computer

Registry nameio.github.partymola/monzo-mcp

Install

Overview

Description from the maker (original English)

Read-only MCP server for the Monzo banking API: OAuth, local transaction cache, spending analysis.

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

User voiceiNo reviews yetReviews open together with accounts in a later step
Our basic checksi1 of 1 passedChecked from public information; code not scanned yet
UsageiVery new★ –

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Connection: Runs on your computer
Transport: stdio
Category: Accounting, finance & tax

Install

Pick the AI app you use, then copy the settings.

Before you install

Basic checks: 1 of 1 passed
Runs on your computer with your user’s permissions (files, network, apps).
The registry lists no key to fill in.

You need

DockerDocker installed

Which app do you use?

ClaudeClaude CodeCursorVS CodeChatGPT

Pick your app above. We remember it, so next time the button says “Install in …”.

Open Claude Desktop → Settings → Developer → Edit Config, and paste this into claude_desktop_config.json

{
  "mcpServers": {
    "monzo": {
      "command": "docker",
      "args": [
        "run",
        "-i",
        "--rm",
        "ghcr.io/partymola/monzo-mcp:v0.13.0"
      ]
    }
  }
}

Run this in your terminal

claude mcp add monzo -- docker run -i --rm ghcr.io/partymola/monzo-mcp:v0.13.0

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

{
  "mcpServers": {
    "monzo": {
      "command": "docker",
      "args": [
        "run",
        "-i",
        "--rm",
        "ghcr.io/partymola/monzo-mcp:v0.13.0"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

{
  "servers": {
    "monzo": {
      "type": "stdio",
      "command": "docker",
      "args": [
        "run",
        "-i",
        "--rm",
        "ghcr.io/partymola/monzo-mcp:v0.13.0"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

This one runs on your computer, and ChatGPT can only connect to servers on the internet. Pick another app.

Your choice stays on this device in a cookie; no account needed.

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

What it can do

Runs on your computer; the tool list appears in your AI app after you install it.

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 8, 2026

✓ Pass
Maker matches the repo
The registry name was verified with the GitHub account partymola, which owns the repo
… Not checked yet
Still maintained
We have not read this repo from GitHub yet
… Not checked yet
Has a licence
We have not read this repo from GitHub yet
– Not applicable
Endpoint responds
This one runs on your computer; there is no internet endpoint
– Not applicable
Sign-in with OAuth
Runs on your computer and uses local settings instead
… Not checked yet
No hidden instructions in tool descriptions
Runs on your computer; we can only read tool lists from internet endpoints

Compared with others in Accounting, finance & taxi

More stars than 0% of the other 2949 servers in this category
Published to the registry more recently than 90% of the other 2949 servers in this category
Basic checks equal to or better than 100% of the other 2949 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is Monzo MCP safe?

It passed 1 of 1 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

The registry does not list a required key, though some servers ask you to sign in on first use.

Does it run on my computer or in the cloud?

It runs on your computer. Your AI app starts it when needed, and data does not pass through the maker’s servers (unless it calls an online service itself).

Is it still maintained?

The GitHub repo last changed –, and the latest version (0.13.0) reached the registry 3 days ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. You also need Docker on your computer.

What can I use instead?

In the same category: Finance Toolkit, SolidInvoice, Korea Tax Calculator

Alternatives

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Reading a card:↓ Downloads per weeki★ GitHub starsiThree pillars: reviews · checks · usageiUpdated = latest version published to the registryi

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500+ transparent financial methods calculated from raw statements, not third-party endpoints.

by JerBoumaWidely used↓ 15.5K/wk★ 5.5KUpdated 2 days ago

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Install

SolidInvoice

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Runs in the cloud✓ solidinvoice.co

Install

Korea Tax Calculator

Korean tax calculation and tax-audit judgment MCP: 96 tools with statutory citations.

by UpstageAIGrowing↓ 3.2K/wk★ 97Updated today

Runs on your computer

Install

README from the maker

Open the README

Copied from the maker’s repo as written. PopNx MCP has not reviewed or endorsed it. HTML, images and scripts are removed. Links lead off this site.

monzo-mcp

MCP server for the Monzo banking API. Read-only access to accounts, balances, pots, transactions, and spending analysis - all through Claude Code or any MCP client.

Unlike other Monzo MCP implementations that use raw bearer tokens (which expire in 6 hours), this server handles full OAuth with automatic token refresh.

Features

7 read-only tools - no write operations, no money movement
OAuth with auto-refresh - tokens refresh automatically, no manual regeneration
Local transaction cache - SQLite database survives Monzo's 90-day SCA window
Auto-sync on demand - the cache-reading tools run an incremental sync automatically if the cache wasn't synced today, so you rarely need to call monzo_sync by hand
Spending analysis - category breakdowns, top merchants, month-over-month comparison
Transaction search - search by merchant, payee (counterparty), description, or notes across cached history
Counterparty details - bank transfers (faster payments, p2p, Bacs) are cached with the payee's name, sort code, and account number

Tools

Tool	Description	Data source
`monzo_list_accounts`	List accounts with types and IDs	Live API
`monzo_get_balance`	Current balance and spend today	Live API
`monzo_list_pots`	Savings pots and balances	Live API
`monzo_sync`	Sync transactions to local cache	Live API -> SQLite
`monzo_list_transactions`	List/filter cached transactions	Local cache (auto-syncs if stale)
`monzo_search_transactions`	Search by merchant/payee/description/notes	Local cache (auto-syncs if stale)
`monzo_spending`	Spending analysis with category breakdown	Local cache (auto-syncs if stale)

Prerequisites

Python 3.13+ (tested on 3.13, 3.14 and 3.15, on Linux, macOS and Windows, in CI)
uv (recommended) or pip
A Monzo account with an OAuth client registered at developers.monzo.com

Installation

git clone https://github.com/partymola/monzo-mcp.git

cd monzo-mcp uv venv --python 3.13 .venv uv pip install -e .

This package is not on PyPI - the name belongs to an unrelated project. A container image is published instead; see Docker.

Setup

1. Register a Monzo OAuth client

Go to developers.monzo.com and create an OAuth client:

Set the redirect URL to http://localhost:6600/callback
Note your Client ID and Client Secret

2. Authenticate

monzo-mcp auth

This opens your browser for Monzo OAuth. After authorizing, approve the login in your Monzo app within 5 minutes for full transaction history access (Monzo's SCA window).

3. Register with Claude Code

claude mcp add -s user monzo -- /path/to/monzo-mcp/.venv/bin/monzo-mcp

On Windows the console script is at .venv\Scripts\monzo-mcp.exe.

4. First sync

In Claude Code, run monzo_sync to populate the local transaction cache. Do this immediately after auth to take advantage of the SCA window (up to 11 months of history).

Docker

Images are published to ghcr.io/partymola/monzo-mcp. Tags carry a v prefix (:vX.Y.Z), and :latest follows the most recent release.

The container needs a volume. Credentials and the transaction cache live under /data; with nothing mounted there, the container still starts and every tool reports that it is not configured, and anything you authorise is lost as soon as the container is replaced.

First register an OAuth client as described in Setup step 1 - auth prompts for the Client ID and secret, and there is no way to supply them later. The redirect URL is http://localhost:6600/callback, the same as a source install.

Authenticate once, into a named volume. Decide before you run this whether you want a bind mount instead - switching afterwards means authorising again:

docker volume create monzo-mcp-data

docker run --rm -it \ -v monzo-mcp-data:/data \ -p 127.0.0.1:6600:6600 \ ghcr.io/partymola/monzo-mcp:latest auth

The published port is needed only for this step, so the OAuth redirect can reach the container. Binding it to 127.0.0.1 keeps the callback listener off your network. No browser opens - the container has none - so copy the URL it prints. Then approve the login in your Monzo app within 5 minutes (see Monzo SCA window).

Then register the server, reusing the same volume:

claude mcp add -s user monzo -- \

docker run --rm -i -v monzo-mcp-data:/data ghcr.io/partymola/monzo-mcp:latest

-i is required - the server speaks JSON-RPC over stdin and stdout.

Sync straight away. The 11-month backfill closes 5 minutes after you approve in the Monzo app (see Monzo SCA window), and this route is longer than a source install - so call monzo_sync as soon as the server is registered. Miss it and you silently get 90 days instead, with no error.

To keep the files somewhere you can read them, use a bind mount instead of a named volume. The container runs as root and writes credentials owner-only, so without --user they end up root-owned:

mkdir -p ~/monzo-mcp-data/config

docker run --rm -it \ -v ~/monzo-mcp-data:/data \ --user $(id -u):$(id -g) \ -p 127.0.0.1:6600:6600 \ ghcr.io/partymola/monzo-mcp:latest auth

Pass the same -v and --user to the server command. Create the directory first - --user against a named volume fails, because the volume initialises root-owned from the image.

CLI

monzo-mcp              Start the MCP server (stdio transport)

monzo-mcp auth Interactive OAuth setup (opens the browser) monzo-mcp --version Print the installed package version

Configuration

All configuration is via environment variables (optional):

Variable	Default	Description
`MONZO_MCP_CONFIG_DIR`	`/config/`	Directory for OAuth credentials and tokens
`MONZO_MCP_DB_PATH`	`/monzo.db`	Path to SQLite transaction cache
`MONZO_MCP_CALLBACK_HOST`	`localhost`	Interface the `auth` callback server binds to. The redirect URI is unaffected

The container image sets the first two under /data, because the package-relative defaults resolve into the interpreter's lib directory there, which cannot be mounted. It sets the third to 0.0.0.0, because a published port arrives on the container's bridge interface and a localhost bind refuses it.

Credential files (created by monzo-mcp auth):

config/monzo_client.json - OAuth client ID and secret
config/monzo_tokens.json - Access and refresh tokens (auto-refreshed)

Monzo SCA window

Monzo's Strong Customer Authentication (SCA) limits transaction history access:

Within 5 minutes of app approval: up to ~11 months of history
After the window expires: only the last 90 days

The local SQLite cache preserves all synced transactions permanently, so run monzo_sync promptly after monzo-mcp auth.

To backfill a specific range, pass since to monzo_sync - an ISO date (2026-01-01) or datetime (2026-01-01T14:30:00Z). Within the last 90 days this works at any time. Reaching further back only works inside the SCA window; outside it the request is refused, and the sync quietly fetches only what is newer than the newest cached transaction.

Older cached transactions gain fields added in newer versions (e.g. counterparty/payee details on bank transfers) only when re-fetched, which a post-auth full sync does for the history it re-pulls.

Security

Zero write tools - cannot send money, move funds between pots, or modify transactions
Monzo API itself cannot send money to external accounts
Tokens stored as JSON files in the config/ directory (gitignored)
All API calls are GET requests with Bearer token auth

Troubleshooting

"SCA required" or only 90 days of history - re-run monzo-mcp auth and approve the login in the Monzo app within 5 minutes, then sync straight away (see the SCA window above).
Token expired / no refresh - re-run monzo-mcp auth to re-authorise.
"No transaction data available" - the cache is empty, and the rest of the message says why. If it says the last sync failed, run monzo_sync to see the error. Run monzo-mcp auth only if it says the stored credentials were refused or cannot be used, or that the login needs approving in the Monzo app, and then call monzo_sync once.
Every tool reports "not configured" under Docker, or authentication does not survive a restart - nothing is mounted at /data. See Docker; the same volume must be passed to the auth run and to the server.
`auth` sits on "Waiting for callback..." after you approve - the callback was not delivered. Press Ctrl-C and run it again. Under Docker, check the port is published (-p 127.0.0.1:6600:6600).

Contributing

See CONTRIBUTING.md for development setup, the test workflow, and the pre-commit hook. Changes are tracked in CHANGELOG.md.

License

GPL-3.0-or-later. See LICENSE.

Monzo MCP

Overview

PopNx MCP’s three pillars

What you can do with it

Install

Before you install

What it can do

Basic checksi

Maker matches the repo

Still maintained

Has a licence

Endpoint responds

Sign-in with OAuth

No hidden instructions in tool descriptions

Compared with others in Accounting, finance & taxi

Common questions

Alternatives

Finance Toolkit

SolidInvoice

Korea Tax Calculator

README from the maker

monzo-mcp

Features

Tools

Prerequisites

Installation

Setup

1. Register a Monzo OAuth client

2. Authenticate

3. Register with Claude Code

4. First sync

Docker

CLI

Configuration

Monzo SCA window

Security

Troubleshooting

Contributing

License