# N26 Banking MCP for AI Agents AI Agent Connect

> N26 Banking MCP lets your AI agent access your real-time bank data. You can check balances, list accounts, and pull transaction history for your N26 accounts and Spaces. It turns your AI into a personal finance assistant that knows your spending and savings goals across Europe.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_jSxeWurD7fqLKV0exqnqCZi7zRtxFuk6XnhjQZml/ai-agent-connect
- **Tags:** mobile-banking, sub-accounts, transaction-monitoring, personal-finance, account-management

## Description

Imagine you're trying to figure out if you can actually afford that dinner or if you've hit your monthly limit. Instead of switching back and forth between your banking app and your chat, you just ask your agent. It looks at your N26 accounts, checks your spending on recent transactions, and even sees how much you've tucked away in your various Spaces. It's about having a clear picture of your money without the manual digging. You can see if your vacation fund is on track or if a recent subscription hit your main balance. By connecting this through the Vinkius catalog, you give your agent the eyes it needs to handle your personal finance. It's like having a personal accountant who's always awake and knows exactly where every Euro is moving. You get to stop doing the math and start making decisions based on real-time numbers.

## Tools

### get_n26_accounts
Lists every N26 account you have connected to your profile. This helps you see your total holdings at a glance.

### get_n26_spaces
Shows the balances and details for all your N26 sub-accounts. Use this to track specific savings goals.

### get_n26_transactions
Pulls a list of your most recent transactions for auditing spending. It helps you see where your money went today.

## Prompt Examples

**Prompt:** 
```
What's my current balance?
```

**Response:** 
```
### N26 Account Summary
Your current balance is **€2,450.20**.

**Account Details:**
* **IBAN:** DE89 3704 0123 4567 8901 23
* **Status:** Active

Would you like to see your last 5 transactions or check your Spaces?
```

**Prompt:** 
```
How much did I spend on groceries last week?
```

**Response:** 
```
### Recent Spending: Groceries
I've analyzed your last few transactions. Here is what you spent:

| Vendor | Amount |
| :--- | :--- |
| Lidl | €84.20 |
| Carrefour | €32.10 |

**Total Spent:** €116.30
```

**Prompt:** 
```
Show me my savings goals.
```

**Response:** 
```
### N26 Spaces Overview
You have 3 active spaces:

* **New Laptop:** €800.00
* **Emergency Fund:** €2,000.00
* **Holiday:** €1,500.00

**Total Savings:** €4,300.00
```

## Capabilities

### Check account balances
Get real-time balances and IBANs for any of your N26 accounts instantly.

### View transaction history
Pull recent spending data to see exactly where your money went.

### Monitor sub-accounts
See the current status and balances of all your N26 Spaces.

### Audit spending patterns
Summarize recent activity to identify habits and recurring costs.

### Track savings goals
Check how much you've saved in specific sub-accounts like rent or travel.

## Use Cases

### Vacation planning
Check if your Travel Space has enough for a flight by asking your agent to summarize your savings.

### Subscription audit
Find out which recurring payments hit your account last week by pulling your recent transaction history.

### Moving abroad
Get a list of all accounts and IBANs to share with a new landlord or utility provider quickly.

### Daily budget check
Ask your agent if you can spend 50 Euros on dinner tonight based on your current account balance.

## Benefits

- Stop manual app switching: Use get_n26_accounts to see all your holdings in one chat.
- Real-time spending audits: Use get_n26_transactions to see exactly where your money went today.
- Better goal tracking: Use get_n26_spaces to monitor specific savings buckets like Rent or Travel.
- Instant IBAN access: Get your account details immediately when you need to share them for a transfer.
- Automated summaries: Ask your agent to recap your weekly spending without pulling up a spreadsheet.

## How It Works

The bottom line is you get a direct line from your AI to your N26 bank data without leaving your workspace.

1. Subscribe to the N26 Banking MCP on Vinkius.
2. Get your access token from the N26 Developer portal and paste it into your AI client.
3. Ask your agent to check your balance or list your recent transactions.

## Frequently Asked Questions

**Can the N26 Banking MCP see my credit card balance?**
No, this Connector is specifically designed to access your N26 bank accounts, balances, and Spaces. It does not connect to credit card providers.

**Does the N26 Banking MCP let me send money or pay bills?**
No, this is a read-only connection. You can check balances and history, but you cannot initiate transfers or payments through the AI.

**How do I connect my N26 account to my AI agent?**
You'll need to get an access token from the N26 Developer portal and provide it to your AI client. This allows the agent to securely pull your data.

**Can I use the N26 Banking MCP with Cursor or Windsurf?**
Yes, this Connector works with any compatible client, including Claude, Cursor, Windsurf, and VS Code.

**Is my personal banking data safe with this Connector?**
Your data is handled securely via your personal N26 access token. The agent only accesses the specific information you ask for during your conversation.

**Does the N26 Banking MCP support N26 Spaces?**
Yes, it specifically includes tools to fetch balances and details for all your N26 Spaces, making it easy to track sub-accounts.

**Can I see my N26 Spaces balance?**
Yes! Use the `get_n26_spaces` tool. It will return a list of all your sub-accounts (Spaces) along with their specific current balances.

**Does this support transactions from all merchants?**
The `get_n26_transactions` tool retrieves all visible transactions in your history, providing the merchant name or partner name as recorded by N26.

**Is my banking data secure?**
Yes. Your access token is encrypted at rest and only injected securely at runtime. The Connector acts as a secure proxy and does not store your login credentials.