# Monzo Banking MCP for AI Agents AI Agent Connect > Monzo Banking MCP gives your AI agent direct access to your Monzo bank accounts. You can check balances, see your full list of accounts, and pull recent transaction history in real-time. It turns your agent into a personal finance assistant that knows your spending habits without you having to copy-paste data from the app or manually track every coffee purchase. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/ai-agent-connect - **Tags:** personal-finance, bank-account, transaction-history, budgeting, real-time-balance ## Description Imagine you're trying to figure out exactly how much you spent on groceries last month or if you have enough left in your joint account for a weekend trip. Usually, this means opening the Monzo app, scrolling through dozens of entries, and doing the mental math yourself. This Connector changes that by letting your agent do the heavy lifting. Instead of navigating a UI, you just ask a question. Your agent pulls the data directly from your Monzo profile to give you the facts. It handles the tedious stuff like listing every account you own or fetching the last few days of spending so you can focus on making decisions. It's a huge step up for anyone who wants to manage their money through conversation rather than clicking through menus. You can find this and thousands of other connections in the Vinkius catalog to build out a full suite of personal finance tools. It takes the friction out of your daily routine by making your data accessible the moment you need it. You don't have to remember where your accounts are or scroll through long histories of small purchases. Your agent just knows. It's about getting the information you need in the moment without the usual app-switching headache. ## Tools ### get_monzo_accounts Use this to see every account tied to your Monzo profile in a single list. It helps you keep track of all your various bank accounts without opening the app. ### get_monzo_balance This tool pulls the current balance for any specific Monzo account you select. You can use it to get a real-time update on your available funds instantly. ### get_monzo_transactions This tool fetches your most recent spending history to show you where your money went. It is useful for auditing your recent purchases and tracking your daily spending. ## Prompt Examples **Prompt:** ``` How much is in my joint account? ``` **Response:** ``` Checking your Monzo joint account... Your current balance is **£2,450.20**. You've spent £45.00 today. Would you like to see the recent transactions for this account? ``` **Prompt:** ``` Show me all my accounts. ``` **Response:** ``` I've found 3 Monzo accounts for you: - **Personal** (ending in 1234) - **Joint** (ending in 5678) - **Savings** (ending in 9012) Which one would you like to look at? ``` **Prompt:** ``` What did I spend at the pub last night? ``` **Response:** ``` Searching your recent history... I found 3 transactions at 'The Local Inn' yesterday: - £22.50 (Dinner) - £15.00 (Drinks) - £4.20 (Parking) **Total spent: £41.70** ``` ## Capabilities ### Check account balances See exactly how much money is in any specific Monzo account. ### List all bank accounts Get a full overview of every account tied to your Monzo profile. ### Fetch recent transactions Pull a list of your latest spending to see where your money went. ### Summarize spending Ask your agent to tell you the story of your recent financial activity. ### Audit transaction history Review past vendors and amounts to track your budget goals. ## Use Cases ### Checking a balance before a purchase A user asks if they have enough in their joint account for a dinner. The agent calls get_monzo_balance to confirm the total. ### Reviewing a weekly spend A user wants to see where their money went on Tuesday. The agent uses get_monzo_transactions to list the last 10 purchases. ### Getting an account overview A user wants to know how many accounts they have. The agent calls get_monzo_accounts to provide a full list. ### Budgeting for a trip A user asks for a summary of recent spending to see if they can afford a flight. The agent analyzes the history to give a total. ## Benefits - You get instant answers on your available funds without opening the Monzo app by using get_monzo_balance. - You can see your entire financial footprint at once by having your agent call get_monzo_accounts. - You stop guessing your spending patterns because get_monzo_transactions pulls your latest data automatically. - You can audit your monthly spending faster by asking your agent to summarize recent activity. - You can manage multiple accounts, like joint or personal, without switching tabs or logins. ## How It Works The bottom line is you get real-time access to your Monzo finances through a simple chat interface. 1. Subscribe to the Monzo Banking MCP on Vinkius. 2. Provide your Monzo Access Token from the developer portal. 3. Ask your AI client to check your balance or list your accounts. ## Frequently Asked Questions **What is the Monzo Banking MCP?** It's a way to connect your Monzo bank account to your AI client so you can ask questions about your balances and spending. **Can I see my full transaction history with the Monzo Banking MCP?** Yes, your agent can pull your most recent transactions to help you audit where your money is going. **Is my data safe with the Monzo Banking MCP?** Your agent accesses your data securely using the official Monzo Access Token, keeping your personal info private. **Can the Monzo Banking MCP see my joint accounts?** Yes, it can list all accounts associated with your profile, including joint and personal ones. **How do I get started with the Monzo Banking MCP?** You just need to subscribe, get your Access Token from the Monzo developer portal, and connect it to your favorite AI client. **Can I use the Monzo Banking MCP to pay my bills?** No, this specific MCP is for reading your balance and history, not for making payments or transfers. **Can I see how much I spent today?** Yes! Use the `get_monzo_balance` tool. The response includes a `spend_today` value that shows your total expenditures for the current day. **How do I find my Account ID?** First, call the `get_monzo_accounts` tool. It will return a list of all your accounts with their corresponding GIDs (IDs). Use these IDs for balance and transaction queries. **Is it safe to share my Monzo token?** Your token is encrypted at rest and only injected securely at runtime. Never share your token with unauthorized persons. We recommend using a limited-scope token if available.