• VENDOR
  • TRENDS
  • ANOMALIES
  • HUMAN

How to audit transaction history with your AI

Connect your Monzo account once. After that, your AI handles the heavy lifting of searching through your history and spotting trends.

Ask AI about this page

Short answer

Can my AI scan my Monzo transactions for specific vendors?

Yes. Your AI uses the Monzo Connector to pull your recent history and filter it by merchant name, date, or amount. You get a clear breakdown of exactly where your money went.

The results you get

Where your data lands

The AI turns raw transaction logs into organized insights.

VENDOR

Find specific merchants

The AI pulls your history and isolates every time you shopped at a specific store. You'll see a clean list of dates and totals.

TRENDS

Spot spending patterns

Ask your AI to group your spending into categories like groceries or transport. It identifies how much you spend with specific vendors over time.

ANOMALIES

Flag weird charges

Your AI looks for duplicate charges or unusual amounts that don't fit your normal habits. It highlights these so you can check them manually.

HUMAN

Review and dispute

The AI identifies the issues, but you decide what to act on. You handle the actual disputes or cancellations through your Monzo app.

The workflow

What your AI does when the request arrives.

The AI acts as a bridge between your chat interface and your banking data.

  1. Fetch history

    The AI pulls your most recent transaction records directly from your account.

    get_monzo_transactions

  2. Filter data

    It narrows down the list to match the specific vendor or timeframe you asked about.

    get_monzo_transactions

  3. Analyze totals

    The AI calculates the sum of specific purchases to show you your total spend at a vendor.

    get_monzo_transactions

  4. Report findings

    Your agent presents the filtered list or the calculated totals in a readable format.

    get_monzo_transactions

Try it

Copy these to start.

Use these prompts to begin your audit.

Starting points

Swap out the bracketed text for your actual details, like a specific shop name or a date range.

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"
    }
  }
}
Copy into chat04

  • Show me all my transactions from Tesco over the last month.

  • How much have I spent at Amazon since January?

  • Find any duplicate transactions from last week.

  • List all my subscription payments from the past 30 days.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Monzo Banking once, then ask.

Follow the link to link your account. Your credentials stay encrypted and secure, and you can start asking questions immediately.

Connect Monzo Banking to your AI

FAQ

How this task behaves

  • 01

    Can the AI move money or pay bills?

    No. The AI can only read your transaction history. It cannot initiate transfers, pay bills, or move any funds.

  • 02

    Can the AI delete a transaction?

    No. The AI has no permission to modify, delete, or change any data within your Monzo account.

  • 03

    Does the AI see my full account details?

    The AI only accesses the transaction data required to answer your specific questions via the provided tools.

  • 04

    How far back can it look?

    The AI can look back through your history based on the data provided by the get_monzo_transactions tool.

  • 05

    Can I use this with any AI client?

    Yes, as long as your client is MCP-compatible, like Claude, Cursor, or Windsurf.

  • More questions about Monzo Banking? The Connector page answers them. See everything the Monzo Banking Connector can do

Connect Monzo to Claude, Cursor, ChatGPT & more