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Connect Monzo Banking to ChatGPT, Claude and Gemini

Set it up once and it works in ChatGPT, Claude, Cursor, and any other client you love. It all runs safely in the background, so you can relax and focus on what really matters. Manage your personal finances through natural conversation.

Ask AI about this Connector

Developed, maintained, and hosted by Vinkius.

MCP VERIFIED · PRODUCTION READY · VINKIUS GUARANTEED

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Works with modern AI clients that support MCP, including ChatGPT, Claude, Cursor, and more.

ChatGPTClaudeCursorPerplexityGeminiMicrosoft CopilotRaycastMeta AI

Your AI does the work. We keep it safe and sound.

No other AI tool gives you this. Your workflow runs in the client you already love, your account stays protected, and you decide what the agent can and cannot do. It is the whole reason to make the switch.

Each Connector lives inside our infrastructure, the same place where your workflow runs. The three things below are already part of it, working quietly in the background so you never have to think about them. Nothing to add, nothing to set up, nothing to worry about.

A futuristic MCP client docking bay
V8 Isolate01

Each Connector runs inside its own sealed environment.

Each Connector runs inside its own sealed V8 runtime — no access to your files, your system, or other servers. A Connector never sees past its own request.

Kill Switch02

One switch stops every agent. Instantly.

One action deactivates every Connector, revokes every token, and ends every session at once. AI Governance keeps the record.

FinOps per User03

Spending limits that pause instead of surprise.

Every user keeps their own connections and credentials, isolated from everyone else. Anything that would cross your spending limit is held for your approval, not billed.

Three controls, built into the layer your AI connects through.

Curated set · 3 capabilities

We ship only the actions that matter.

Capability set01 / 01

01-03

3 capabilities in this set.

Part of 3 available through Monzo.

  1. 01

    Get monzo accounts

    This capability retrieves a full list of all Monzo accounts linked to your profile. It helps your agent identify which account to query next.

  2. 02

    Get monzo balance

    This capability fetches the real-time balance for a specific Monzo account. It is the fastest way to check how much money you have available.

  3. 03

    Get monzo transactions

    This capability pulls your recent transaction history. Use it to audit specific vendors or check your latest spending patterns.

Real work

What teams actually run

01

Instant Balance Checks

Ask your agent how much money you have left before making a purchase.

02

Spending Audits

Have your agent list recent transactions to find out exactly what you spent at a specific store.

03

Budget Tracking

Use your AI client to monitor daily spending totals against your goals.

04

Account Overview

Quickly identify which accounts you have and their current statuses.

Automate a task

Put Monzo to work on one thing.

Step-by-step automations your AI runs through this Connector: the workflow, the prompts to start with, and the exact capabilities behind each move.

One connector, every AI

Monzo works with the most popular AI clients.

These are the most popular clients, each with a step-by-step guide: one link, set up once, with governance and visibility built in. And because everything runs on the MCP standard, the same connection also works in any other compatible client — nothing to rebuild.

ClaudeClaudeChatGPTChatGPTGeminiGeminiPerplexityPerplexityGrokGrokMicrosoft CopilotMicrosoft CopilotCursorCursorVS CodeVS CodeWindsurfWindsurfJetBrainsJetBrainsClineClineLangChainLangChainVercel AI SDKVercel AI SDKLovableLovableZ.aiZ.aiRaycastRaycastQwen CodeQwen CodeKimi CodeKimi CodeLe ChatLe Chat

Building your own app? The connector is yours to use.

You don't need a client to put Monzo to work: the same hosted connection plugs into your own applications and agent code, with the same governance on every request. Build with it, chat with it — one connection for both.

Observed, not estimated

822ms average. Fast in production.

Monzo is checked daily against the live service.

Daily averagePeak 1090ms
Oct 3Today
Fastest day
679ms
Slowest day
1090ms
14-day trend
Stable-3%

Connect your client

One URL. Every client.

Activate the Connector, copy your link, and paste it into the client you already use. 3 capabilities arrive ready to run.

Preview access · not provider authentication

The vk_preview_* token belongs to Vinkius preview infrastructure. It lets Claude discover and display the capabilities of Monzo, so you can see the experience inside your AI.

It does not authenticate your account with Monzo. Actions requiring credentials or live account data may not run until you activate the Connector and authorize the service.

Monzo Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Monzo capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "monzo-banking-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"
    }
  }
}
  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Step-by-step instructions for each client are in the guide. How to connect

Guided setup for Claude? Set up Monzo in Claude and other AIs

See all the AI clients this connector works with ↑

Who it's for

Built for the work Monzo owners hand off.

This MCP is for anyone who wants to interact with their Monzo data through a conversational interface rather than a mobile app.

  • 01

    Personal Finance Enthusiasts

    People who want to track spending and balances using AI queries.

  • 02

    Digital Nomads

    Travelers who need to monitor their UK-based Monzo accounts from anywhere.

  • 03

    Developers

    Users building automated personal finance workflows or custom budgeting capabilities.

  • 04

    Busy Professionals

    People who need quick financial summaries without the friction of opening a banking app.

FAQ

Questions Monzo owners ask.

  • 01

    How do I connect my Monzo account?

    You need to provide a Monzo Access Token, which you can generate at developers.monzo.com, after subscribing to the MCP on Vinkius.

  • 02

    Which AI clients can I use with this MCP?

    You can use any MCP-compatible client, including Claude, Cursor, Windsurf, and VS Code.

  • 03

    Is my banking data secure?

    Vinkius hosts the MCP and manages the credentials to ensure your connection to Monzo remains secure and functional.

  • 04

    Can I see my transaction history?

    Yes, the MCP includes a capability specifically designed to fetch your recent transaction history for auditing.

  • 05

    Do I need to use the Monzo app?

    No, once the MCP is connected, you can perform all these actions directly through your AI client.

  • 06

    Can I see how much I spent today?

    Yes! Use the get_monzo_balance capability. The response includes a spend_today value that shows your total expenditures for the current day.

  • 07

    How do I find my Account ID?

    First, call the get_monzo_accounts capability. It will return a list of all your accounts with their corresponding GIDs (IDs). Use these IDs for balance and transaction queries.

  • 08

    Is it safe to share my Monzo token?

    Your token is encrypted at rest and only injected securely at runtime. Never share your token with unauthorized persons. We recommend using a limited-scope token if available.

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