• REAL-TIME
  • MULTI-ACCOUNT
  • CHAT-BASED
  • HUMAN

How to check account balances with your AI

Connect Monzo to your AI client once. After that, you can query your funds using plain English.

Ask AI about this page

Short answer

How do I check my Monzo balances with AI?

Your AI pulls live data from your Monzo accounts to show you exactly what you have. You can ask for a total balance or look at specific accounts. Here is how the data flows.

The results

What you get

The AI handles the data retrieval so you don't have to open the app.

REAL-TIME

Live balance updates

The AI pulls current data directly from your Monzo accounts. You get the exact amount available right now.

MULTI-ACCOUNT

Total fund overview

The agent can look across all your Monzo accounts at once. This gives you a complete picture of your liquidity.

CHAT-BASED

Natural language queries

You don't need special commands. Just ask questions like you're talking to a person.

HUMAN

Manual transfers required

The AI only reads your balance data. You still need to use the Monzo app to move money or make payments.

The workflow

What your AI does when the request arrives.

The AI follows a specific sequence to find and report your money.

  1. Identify accounts

    The AI first finds all the Monzo accounts linked to your profile to know where to look.

    get_monzo_accounts

  2. Fetch balances

    Once it knows which accounts you have, it pulls the specific balance for each one.

    get_monzo_balance

  3. Calculate totals

    If you asked for a total, the AI sums up the individual balances it just retrieved.

    get_monzo_balance

  4. Report results

    The AI presents the final numbers to you in a clear, readable format in your chat window.

    get_monzo_accounts

Try it

Copy these to start.

Use these lines to test the connection.

Starting points

These are basic prompts. You can swap out account names or specific details to get different results.

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

  • How much money do I have in my Monzo accounts?

  • What is the balance of my Monzo Savings account?

  • List all my Monzo accounts and their current balances.

  • Check my Monzo balance for my main spending account.

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

Start here

Connect Monzo Banking once, then ask.

Follow the link to authorize the connection. Your login credentials stay encrypted and are never visible to the AI.

Connect Monzo Banking to your AI

FAQ

Common questions

  • 01

    Can my AI move money between my Monzo accounts?

    No. The AI can only read your account and balance data. You must use the Monzo app to perform any transactions.

  • 02

    Can the AI see my transaction history?

    No. This specific connector is limited to checking account lists and current balances.

  • 03

    Is my banking data secure?

    Yes. The connection is handled through secure protocols, and your login information is encrypted.

  • 04

    Does the AI update my balance automatically?

    No. The AI only checks your balance when you specifically ask it to via a prompt.

  • 05

    Can I use this with any AI client?

    You can use it with any MCP-compatible client 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