How to Use the Monzo Banking MCP in Windsurf

Q: Can Windsurf analyze my Monzo Banking transactions?

Yes, Cascade uses the getmonzotransactions tool to fetch your data. It then parses those records to explain your spending habits.

Q: Does this MCP server work with multiple accounts?

It does. The getmonzoaccounts tool lists every account linked to your profile, allowing you to pick which one to query.

Cascade chains Monzo Banking tools to track your spending and account balances directly inside Windsurf.

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Connect Monzo Banking MCP to Windsurf

Create your Vinkius account to connect Monzo Banking to Windsurf 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 Windsurf

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Automatic account overview

Cascade runs `get_monzo_accounts` the moment you ask about your financial status. It pulls your active account list without you needing to switch tabs. This keeps your focus on the code. You get a clear view of your available funds inside your IDE workspace.

Real-time balance checks

Trigger `get_monzo_balance` to see exactly what is in your account right now. Windsurf handles the connection so you see your current numbers instantly. It removes the need to log into a browser. You stay in your editor while your agent monitors your cash flow.

Transaction history parsing

Use `get_monzo_transactions` to let Cascade audit your recent spending patterns. It pulls the raw data so you can spot trends or categorize expenses manually. This MCP Server provides the raw logs you need for analysis. Your agent then maps these transactions against your project requirements.

Setup guide

Set up Monzo Banking MCP in Windsurf

Prerequisites

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

1

Open MCP configuration

Click the Cascade assistant icon in the sidebar, then click the hammer icon (🔨) at the top of the panel. Select "Configure" to open ~/.codeium/windsurf/mcp_config.json.
2

Add the Monzo Banking MCP

Paste the JSON snippet shown on the right into the mcpServers object. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Refresh MCPs

Go back to the hammer icon (🔨) in Cascade and click "Refresh". Windsurf will detect the new server. No full restart is needed — the connection is hot-reloaded.
4

Verify in Cascade

Start a new Cascade conversation and ask something like "Show my Monzo Banking payment history." If connected, Cascade will call the Monzo Banking tools directly. You will see a green dot next to the server name in the MCP panel.

mcp_config.json

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

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Common questions about Monzo Banking MCP in Windsurf

Open your MCP settings and add the server configuration under the mcpServers key. Once you hit refresh, Cascade identifies the tools and starts working.

Yes, Cascade uses the `get_monzo_transactions` tool to fetch your data. It then parses those records to explain your spending habits.

Your data remains private and ephemeral. The connection only uses the specific tokens you provide, and nothing is stored outside your local session.

It does. The `get_monzo_accounts` tool lists every account linked to your profile, allowing you to pick which one to query.

You will need to update your environment variables in the configuration file. The server will notify the IDE when the connection drops.

Use it with your favorite AI tools

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