How to Use the Monzo Banking MCP in Mastra AI

Build complex financial workflows with Monzo Banking and Mastra AI agents.

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Connect Monzo Banking MCP to Mastra AI

Create your Vinkius account to connect Monzo Banking to Mastra AI 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 Mastra AI

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Claude

Perplexity

Automated account discovery for Mastra AI

Connect `get_monzo_accounts` to your agent to automate account selection. It maps your available accounts into the agent's logic flow. If the agent needs to verify an account before a task, it checks this list first. It removes manual selection steps entirely.

Conditional balance checks

Use `get_monzo_balance` inside your agent workflows to trigger actions based on funds. You can set rules that run only if the balance meets a threshold. This lets your agent decide whether to proceed with a task or alert you. It makes your financial logic reactive.

Transaction-based workflow triggers

Implement `get_monzo_transactions` to trigger events when new spending appears. Your agent monitors the ledger and executes tasks when it finds a match. It handles the logic for you. You just define the conditions and let the agent handle the heavy lifting.

Setup guide

Set up Monzo Banking MCP in Mastra AI

Prerequisites

Node.js 18+ and a TypeScript project
@mastra/mcp + @mastra/core packages
Active Vinkius subscription with a valid endpoint token

1

Install dependencies
Run npm install @mastra/mcp @mastra/core plus your preferred model provider (e.g. @ai-sdk/openai).
2

Configure the MCPClient
Create an MCPClient with your Vinkius endpoint as a URL object. Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.
3

Discover and inject tools
Call mcpClient.listTools() and spread the result into your agent's tools object. All Monzo Banking tools become native Mastra tools.
4

Run with any model
Swap openai("gpt-4o") for any AI SDK-compatible provider. Call agent.generate() and the agent routes tool calls through MCP automatically.

agent.ts

import { MCPClient } from "@mastra/mcp";
import { Agent } from "@mastra/core/agent";
import { openai } from "@ai-sdk/openai";

const mcpClient = new MCPClient({
  id: "monzo-banking-mcp-client",
  servers: {
    "monzo-banking-mcp": {
      url: new URL(
        "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
      ),
    },
  },
});

const agent = new Agent({
  name: "Monzo Banking Agent",
  model: openai("gpt-4o"),
  instructions: "You have access to Monzo Banking tools.",
  tools: {
    ...(await mcpClient.listTools()),
  },
});

const result = await agent.generate(
  "List recent Monzo Banking transactions"
);
console.log(result.text);

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Common questions about Monzo Banking MCP in Mastra AI

Absolutely. You add the server to your agent config and the tools become available for your workflows.

Yes, you can build logic that checks balances and performs actions. It runs autonomously once you define the rules.

The framework handles retries automatically if a call fails. It keeps your workflow running without human intervention.

You can pull recent history as needed by your agent. The tool handles pagination for you.

The agent only processes the raw JSON returned by the server. We keep your financial records ephemeral and transient.

Use it with your favorite AI tools

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

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