Qontoctl

CLI and MCP server for the Qonto banking API.

This project is brought to you by Alexey Pelykh.

Unofficial project. QontoCtl is independent and not affiliated with, endorsed by, or supported by Qonto. See the Disclaimer.

What It Does

QontoCtl lets AI assistants (Claude, etc.) interact with Qonto through the Model Context Protocol. It can:

• Organizations — retrieve organization details and settings
• Accounts — list, create, update, close bank accounts; download IBAN certificates
• Transactions — list, search, filter bank transactions; manage transaction attachments
• Bank Statements — list, view, and download bank statements
• Labels — manage transaction labels and categories
• Memberships — view team members, show current membership, invite new members
• SEPA Beneficiaries — list, add, update, trust/untrust SEPA beneficiaries
• SEPA Transfers — list, create, cancel transfers; download proofs; verify payees
• Internal Transfers — create transfers between accounts in the same organization
• Bulk Transfers — list, view, and create bulk SEPA transfer batches
• Recurring Transfers — list, view, create, cancel recurring transfers
• International Transfers (SWIFT) — create SWIFT transfers and manage international beneficiaries
• Cards — list, create, update, lock/unlock, report lost/stolen, discard cards
• Teams — list and create teams
• Webhooks — create and manage webhook subscriptions
• Payment Links — create, deactivate, and manage Stripe-backed payment links
• Insurance — show, create, update insurance contracts and manage documents
• Terminals (POS) — list Qonto Terminals and initiate terminal payments
• Products — list catalogue products
• Clients — list, create, update, delete clients
• Client Invoices — full lifecycle: create, update, finalize, send, mark paid, cancel, upload files
• Quotes — create, update, delete, send quotes
• Credit Notes — list and view credit notes
• Supplier Invoices — list, view, and bulk-create supplier invoices
• Requests — list organization requests
• Attachments — upload and view attachments
• E-Invoicing — retrieve e-invoicing settings

QontoCtl and Qonto's official MCP

_QontoCtl is an independent, unofficial project — not affiliated with or endorsed by Qonto._

Qonto ships its own official MCP server — hosted, free on every plan, and installable in a tap from Claude, ChatGPT, Cursor, and more. If you want to _talk to_ your finances — "show my balances", "chart last month's spending", "draft an invoice" — it's an excellent, well-made option.

QontoCtl is built for a different job: automating Qonto, not just chatting with it.

The official MCP is a hosted assistant you log into as a user. QontoCtl is a local, open-source toolkit — a CLI, an MCP server, and a library — that runs on your own machine with your own credentials, including as a headless service account.

_Comparison based on Qonto's public MCP documentation as of July 2026._

\* Transfers to untrusted payees still require your Strong Customer Authentication approval, as they must. QontoCtl handles the SCA continuation so scripted flows — to trusted beneficiaries and between your own accounts — complete without a human at the terminal.

QontoCtl also supports multiple Qonto organizations from one setup via named profiles — handy for accountants, holding companies, and anyone running the books for several entities.

The official MCP talks to Qonto. QontoCtl automates it. Many people will use both — the official MCP in a chat window, QontoCtl in a pipeline.

Prerequisites

• Node.js >= 24
• A Qonto business account with API access

Installation

npm install -g qontoctl

Or run directly with npx:

npx qontoctl --help

Or install via Homebrew:

brew install qontoctl/tap/qontoctl

Quick Start

# 1. Install

npm install -g qontoctl

2. Create a profile with your Qonto API credentials

qontoctl profile add mycompany

3. Test the connection

qontoctl profile test --profile mycompany

4. List your accounts

qontoctl account list --profile mycompany

MCP Integration

QontoCtl implements the Model Context Protocol (MCP), letting AI assistants interact with your Qonto account through natural language.

MCP Client Configuration

Claude Desktop

Add to your Claude Desktop configuration (claude_desktop_config.json):

{

"mcpServers": { "qontoctl": { "command": "npx", "args": ["qontoctl", "mcp"] } } }

Claude Code

claude mcp add qontoctl -- npx qontoctl mcp

Cursor

Add to .cursor/mcp.json in your project root:

{

"mcpServers": { "qontoctl": { "command": "npx", "args": ["qontoctl", "mcp"] } } }

Windsurf

Add to ~/.codeium/windsurf/mcp_config.json:

{

"mcpServers": { "qontoctl": { "command": "npx", "args": ["qontoctl", "mcp"] } } }

Pointing MCP at a non-default config file

The MCP server has no CLI flags. To load credentials from a config file other than ~/.qontoctl.yaml, set QONTOCTL_CONFIG_FILE in the host's env block:

{

"mcpServers": { "qontoctl": { "command": "npx", "args": ["qontoctl", "mcp"], "env": { "QONTOCTL_CONFIG_FILE": "/abs/path/to/qontoctl.yaml", }, }, }, }

The path is captured at server startup. See docs/configuration.md for the full resolution chain.

Available MCP Tools

| transfer_cancel | Cancel a pending SEPA transfer