Cashflow

mcp-bank-statement

In the [official MCP Registry](https://registry.modelcontextprotocol.io/v0.1/servers/io.github.theluckystrike%2Fbank-statement-csv-categorize-reconcile-ledger/versions/latest) (io.github.theluckystrike/bank-statement-csv-categorize-reconcile-ledger).

Export the CSV from your bank, say "import this", and the month is readable. This MCP server turns a bank export into a local ledger: it finds the header row under whatever preamble the bank prints above it, works out which column is the date, which is the money and which way the money went, and reads amounts in the file's own locale, so 1 234,56 from mBank and 1,234.56 from a US bank both become the same number. A debit is stored negative and a credit positive, once, at import, so nothing downstream has to guess. Re-importing the same export adds nothing: every line carries a hash of its date, amount, currency and description, with an occurrence index, so two identical coffees on one day stay two transactions while a second import of the same file stays zero. Your rules categorise transactions as they arrive, summaries report money in, money out and the net per currency and never mix currencies, recurring_detect finds the subscriptions and what each costs per year, and reconcile_expenses matches bank debits against the receipts in mcp-expense-tracker so you can see which debits have no receipt and which receipts never reached the bank. Everything is a plain JSON file on your own machine; nothing is uploaded anywhere.

Turn a bank CSV into a categorised, reconciled month in chat, no accounting SaaS required.

Bank profiles: Revolut, Wise, mBank, PKO BP, ING, N26, and a generic reader that works from the headers alone.

File shapes it reads without being asked: UTF-8 and UTF-16 (either byte order, as Excel on Windows saves it), CRLF, LF and CR-only line endings, quoted fields holding commas, quotes and newlines, 1.234,56 and 1,234.56, accounting parentheses (12.50) and a trailing minus 12.50- (both negative), and a mixture of currencies inside one file. A cell holding - or nothing is skipped and named in skipped_lines rather than read as zero. When the date column is ambiguous (03/04/2026 with no value above 12 anywhere), the assumed order is stated in the response instead of silently picking one.

60-second install

npm publish for @theluckystrike/mcp-bank-statement is pending. Until then, the .mcpb one-click bundle or a clone+build is the working path, both are verified below.

One-click (.mcpb): download bank-statement.mcpb from the latest release and double-click it in Claude Desktop: https://github.com/theluckystrike/mcp-servers/releases/latest

(claude_desktop_config.json):

{

"mcpServers": { "bank-statement": { "command": "npx", "args": ["-y", "@theluckystrike/mcp-bank-statement"] } } }

Claude Code:

claude mcp add bank-statement -- npx -y @theluckystrike/mcp-bank-statement

(.cursor/mcp.json):

{

"mcpServers": { "bank-statement": { "command": "npx", "args": ["-y", "@theluckystrike/mcp-bank-statement"] } } }

The npx form above starts working the moment the package is published. Until then, use the .mcpb bundle above, or build from source with exactly these three commands:

git clone https://github.com/theluckystrike/mcp-servers.git && cd mcp-servers

npm install npm run build -w packages/mcp-license -w servers/spreadsheet -w servers/bank-statement

Then point your client's command at node with one arg: the absolute path to servers/bank-statement/dist/index.js.

To run in Pro mode set MCP_LICENSE_KEY in the same config block, or call license_activate once with your key.

Tools

Resource bank://month returns this month's money in, money out and net, grouped by category, per currency. Prompt monthly_review drives the whole month-end pass: totals, uncategorised lines, subscriptions, reconciliation.

Free vs Pro

Import always stores every row, whatever the tier: silently dropping lines on the way in would make the ledger disagree with the bank. The free limit is on what is read back.

Get Pro: https://mcp.zovo.one/buy/bank-statement, $19 one-time for this server, $39 for every server, lifetime. Keys are verified offline; nothing is sent anywhere.

Pairs with

• [mcp-expense-tracker](../expense-tracker), log the receipts and the mileage; reconcile_expenses reads that ledger and tells you which bank debits have no receipt behind them.
• [mcp-spreadsheet](../spreadsheet), this server parses your bank CSV with the spreadsheet server's own RFC 4180 reader and locale number parser, so 1 234,56 means the same thing in both. Use it to slice an exported range.
• [mcp-invoice](../invoice), the income side: raise the invoice, then watch the payment land in statement_summary grouped by counterparty.

Privacy

Everything stays on your machine. Statements are parsed locally and stored in a plain JSON file under ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/bank-statement/. The server makes no network calls at all, not for licensing, not for parsing, not for anything. Deleting that directory resets it.

Built by theluckystrike. Support: support@zovo.one

Use these docs as an MCP server

Any MCP client (Claude, Cursor, Windsurf, VS Code) can read this repository's documentation directly via GitMCP - no install:

• Docs MCP URL: https://gitmcp.io/theluckystrike/mcp-bank-statement