How to Use the N26 Banking MCP in Windsurf

Connect your N26 account and let Windsurf's Cascade agent manage your money questions autonomously.

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Connect N26 Banking MCP to Windsurf

Create your Vinkius account to connect N26 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 N26 Banking with Windsurf

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Get Your N26 Account Balances Instantly

The `get_n26_accounts` tool gives your agent a direct line to your main account balances. Ask Windsurf "What's my current N26 balance?" and its Cascade agent pulls the number without you needing to chain commands. It's the starting point for any financial query. This isn't just for a single balance check. Cascade can use this data as the first step in a bigger task, like checking if you have enough for a transfer before it looks up recent transactions. It gets the context it needs to work on its own.

Track Savings Goals with N26 Spaces

Use the `get_n26_spaces` tool to see the balances of all your N26 Spaces. You can ask Windsurf to check progress on your "Vacation Fund" or see how much is in your "Emergency" space. Cascade knows to use this tool for any questions about sub-accounts. This becomes powerful when you set a goal. Tell Windsurf: "Check if my 'New Laptop' space has over $1500 and list my last three deposits." Cascade will hit `get_n26_spaces` first, then `get_n26_transactions`, and give you a single answer.

Let Windsurf's Cascade Agent Analyze Your Spending

The `get_n26_transactions` tool lets your agent pull your transaction history. You can ask for your last 10 expenses, search for a specific merchant, or find all payments over $100 from last week. This is where the autonomous part of Windsurf shines. Give it a goal like "Find my monthly coffee spending." Cascade will plan the steps: grab all transactions for the month with `get_n26_transactions`, filter them for coffee shops, and sum the total. You get the final number, not a list of raw data.

Setup guide

Set up N26 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 N26 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 N26 Banking payment history." If connected, Cascade will call the N26 Banking tools directly. You will see a green dot next to the server name in the MCP panel.

mcp_config.json

{
  "mcpServers": {
    "n26-banking-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

Get your connection token →

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Common questions about N26 Banking MCP in Windsurf

Windsurf's Cascade agent chains tools autonomously. You give it a goal, and it figures out whether to call `get_n26_accounts`, `get_n26_transactions`, or both to get you an answer without step-by-step instructions.

Yes. Just ask Windsurf to check a specific space. It uses the `get_n26_spaces` tool to pull the current balance of any of your savings spaces.

Yes. Your credentials never touch the MCP server. Vinkius handles the auth, and your agent operates in an ephemeral, zero-trust sandbox. The tools only have read-only access.

Start with a simple question like "What's my N26 balance?" then try a multi-step goal like "Summarize my spending at grocery stores last month." This shows you how Cascade uses the MCP server tools to work for you.

This server only reads data. It can access your account list with balances, your Spaces with their balances, and your transaction history. It can't move money or change any account details. All data is processed within Vinkius's secure, isolated environment.

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