How to Use the Monzo Banking MCP in Cursor

Feed live Monzo Banking transaction data directly into your Cursor agent to build financial tools with real numbers.

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Connect Monzo Banking MCP to Cursor

Create your Vinkius account to connect Monzo Banking to Cursor and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup Monzo Banking with Cursor

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Claude

Perplexity

Inject account IDs into your code

The `get_monzo_accounts` tool fetches your active account details and dumps them straight into your Cursor editing pane. You can stop hardcoding placeholder strings or digging through postman runs to find your ID. Your agent uses this live list to populate config files or environment variables on the fly. It keeps your local development environment grounded in reality.

Write code against real balances in Cursor

The `get_monzo_balance` tool returns the actual ledger balance for any of your Monzo accounts. Your agent executes this call during active coding sessions to verify how your custom functions handle real-world math. You get to write and test your budgeting scripts with live data. This eliminates the guesswork of mocking complex API responses in your test suites.

Build features using the Monzo Banking MCP Server

The `get_monzo_transactions` tool pulls your latest transaction logs directly into the Cursor chat. Your agent reads the raw merchant metadata to help you write accurate categorization algorithms. Instead of guessing the JSON structure of a card payment, you see the exact payload. This accelerates how fast you write parsing logic.

Setup guide

Set up Monzo Banking MCP in Cursor

Prerequisites

Cursor installed (macOS, Windows, or Linux)
Active Vinkius subscription with a valid endpoint token

1

Open MCP Settings

Go to Cursor Settings → MCP or open the Command Palette (Cmd+Shift+P / Ctrl+Shift+P) and search for "MCP: Add Server".
2

Add the Monzo Banking MCP

Cursor will create or open .cursor/mcp.json in your project root. Paste the JSON snippet on the right. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Enable Agent mode

Open Composer (Cmd+I / Ctrl+I) and switch to Agent mode using the dropdown at the top. MCP tools are only available in Agent mode.
4

Verify the connection

Ask Cursor something like "List my recent Monzo Banking transactions." If the MCP tools are loaded correctly, Cursor will call the Monzo Banking tools automatically. You can also check Settings → MCP for a green status indicator.

.cursor/mcp.json

{
  "mcpServers": {
    "monzo-banking-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

Get your connection token →

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Common questions about Monzo Banking MCP in Cursor

Create a configuration file in your project root or global directory. Add the connection arguments under the mcpServers key to let your agent call the tools.

Yes, the agent executes the tools to pull real balances and transaction structures right into your active file. This lets you write code against actual API payloads.

You can use a local command configuration or connect to the remote URL hosted on Vinkius. Both methods expose the same tools to your editor.

It exposes three specific tools to read your financial data. You can list accounts, check balances, and fetch recent transaction logs.

Your account balances, transaction logs, and account IDs are never stored by the editor. The MCP connection runs through a secure sandbox, passing the raw financial payloads directly to your active workspace.

Use it with your favorite AI tools

Connect this server to Cursor, Claude, VS Code, and more.

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