Monzo Banking Connector for AI agents.
3 live capabilities
Manage your Monzo bank balances and transaction history through natural conversation.
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Why people use Monzo Banking
Monzo Banking for real-time personal finance tracking
This Connector removes the friction by bringing your data to your AI client. Instead of hunting for numbers in a list, you just ask a question and get a direct answer. You get a unified way to see your money without the constant tab-switching.
What Vinkius changes
You get real-time access to your Monzo finances through a simple chat interface.
Use it from Claude, ChatGPT, Cursor or another AI client you already have.
One account · 6,100+ Connectors
- Real-world use case 01
Checking a balance before a purchase
A user asks if they have enough in their joint account for a dinner.
- Real-world use case 02
Reviewing a weekly spend
A user wants to see where their money went on Tuesday.
- Real-world use case 03
Getting an account overview
A user wants to know how many accounts they have.
Complete set · 3capabilities
The complete Monzo Banking capability set.
These are the exact actions your AI can choose when you ask it to work with Monzo Banking.
01—03
3 capabilities in this set.
Part of 3 available through Monzo Banking.
- 01 Capability
Get monzo accounts
Use this to see every account tied to your Monzo profile in a single list. It helps you keep track of all your various bank accounts without opening the app.
- 02 Capability
Get monzo balance
This capability pulls the current balance for any specific Monzo account you select. You can use it to get a real-time update on your available funds instantly.
- 03 Capability
Get monzo transactions
This capability fetches your most recent spending history to show you where your money went. It is useful for auditing your recent purchases and tracking your daily spending.
Set up in minutes
One URL. Then ask Monzo Banking to work.
Claude and ChatGPT only need the Connector URL. Copy it once, add it in settings, and use Monzo Banking from the conversation.
Choose your client
Live previewAdvanced clients IDE · CLI
Claude · Web + desktop
Connector URL · ready to paste
Streamable HTTPhttps://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp - Step 01
Open Connectors
In Claude Web or Claude Desktop, open Settings and choose Connectors.
- Step 02
Add the URL
Choose Add custom connector, name it Monzo Banking, and paste the URL above.
- Step 03
Turn it on in chat
Select +, open Connectors, and enable Monzo Banking for the conversation.
ChatGPT · Web + desktop
Connector URL · ready to paste
Streamable HTTPhttps://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp - Step 01
Open MCP settings
On desktop, open Settings and MCP servers. On web, open your workspace app or connector settings.
- Step 02
Add the URL
Choose Add server with Streamable HTTP, or create a custom MCP app, then paste the Monzo Banking URL.
- Step 03
Save and start
Save the connection and enable Monzo Banking in your conversation. Desktop may ask you to restart once.
Cursor · IDE configuration
Advanced setup
{
"mcpServers": {
"monzo-banking": {
"url": "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"
}
}
}- Step 01
Open MCP Settings
Press Cmd+Shift+P (macOS) or Ctrl+Shift+P (Windows/Linux) → search "MCP Settings"
- Step 02
Add the server config
Paste the JSON configuration above into the mcp.json file that opens
- Step 03
Save the file
Cursor will automatically detect the new Connector
- Step 04
Start using Monzo Banking
Open Agent mode in chat and ask: "Using Monzo Banking, help me...". 3 tools available
VS Code Copilot · IDE configuration
Advanced setup
{
"mcpServers": {
"monzo-banking": {
"url": "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"
}
}
}- Step 01
Create MCP config
Create a .vscode/mcp.json file in your project root
- Step 02
Add the server config
Paste the JSON configuration above
- Step 03
Enable Agent mode
Open GitHub Copilot Chat and switch to Agent mode using the dropdown
- Step 04
Start using Monzo Banking
Ask Copilot: "Using Monzo Banking, help me...". 3 tools available
Windsurf · IDE configuration
Advanced setup
{
"mcpServers": {
"monzo-banking": {
"url": "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"
}
}
}- Step 01
Open MCP Settings
Go to Settings → MCP Configuration or press Cmd+Shift+P and search "MCP"
- Step 02
Add the server
Paste the JSON configuration above into mcp_config.json
- Step 03
Save and reload
Windsurf will detect the new server automatically
- Step 04
Start using Monzo Banking
Open Cascade and ask: "Using Monzo Banking, help me...". 3 tools available
Cline · IDE configuration
Advanced setup
{
"mcpServers": {
"monzo-banking": {
"url": "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"
}
}
}- Step 01
Open Cline MCP Settings
Click the Connectors icon in the Cline sidebar panel
- Step 02
Add remote server
Click "Add Connector" and paste the configuration above
- Step 03
Enable the server
Toggle the server switch to ON
- Step 04
Start using Monzo Banking
Ask Cline: "Using Monzo Banking, help me...". 3 tools available
Claude Code · Terminal command
Advanced setup
claude mcp add monzo-banking --transport http "https://edge.vinkius.com/vk_preview_MhAnQg95XWb1YBdF83Vd4ispKt0rMkeGtcfPTRgk/mcp"- Step 01
Install Claude Code
Run npm install -g @anthropic-ai/claude-code if not already installed
- Step 02
Add the Connector
Run the command above in your terminal
- Step 03
Verify the connection
Run claude mcp to list connected servers, or type /mcp inside a session
- Step 04
Start using Monzo Banking
Ask Claude: "Using Monzo Banking, show me...". 3 tools are ready
Where the request belongs
Work Monzo can move forward.
This is for anyone who finds manual budgeting tedious and wants to manage their UK-based finances using natural language.
Personal Finance Enthusiast
Tracks spending habits and sets budget goals via quick chat queries instead of spreadsheets.
Digital Nomad
Monitors multiple UK-based accounts while traveling to ensure they stay on budget.
Developer
Builds custom automated spending trackers or budgeting workflows using the Monzo API.
Busy Professional
Gets a 10-second summary of their total balance and daily spending during a hectic workday.
Build the capability set
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Bring your own AI
Change the model, client or framework. Keep Monzo connected.
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Claude -
ChatGPT -
Gemini -
Cursor -
VS Code -
Windsurf -
ZCode -
Cline -
Zed -
Continue -
Kiro -
Roo Code -
Zencoder -
Goose -
Void -
Augment Code -
Amp -
Qodo -
Tabnine -
Pieces -
Sourcegraph Cody -
JetBrains -
Warp -
Amazon Q -
Antigravity -
BoltAI -
Raycast -
Jan -
LM Studio -
AnythingLLM -
Open WebUI -
Msty -
Cherry Studio -
LibreChat -
TypingMind -
Chorus -
5ire -
n8n -
LangChain -
LlamaIndex -
CrewAI -
Vercel AI SDK
Before you connect
Questions about Monzo.
The practical details behind the request, access and result.
What is the Monzo Banking MCP?
It's a way to connect your Monzo bank account to your AI client so you can ask questions about your balances and spending.
Can I see my full transaction history with the Monzo Banking MCP?
Yes, your agent can pull your most recent transactions to help you audit where your money is going.
Is my data safe with the Monzo Banking MCP?
Your agent accesses your data securely using the official Monzo Access Token, keeping your personal info private.
Can the Monzo Banking MCP see my joint accounts?
Yes, it can list all accounts associated with your profile, including joint and personal ones.
How do I get started with the Monzo Banking MCP?
You just need to subscribe, get your Access Token from the Monzo developer portal, and connect it to your favorite AI client.
Can I use the Monzo Banking MCP to pay my bills?
No, this specific MCP is for reading your balance and history, not for making payments or transfers.
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.
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.
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.
One connection away
Give your agent a direct line to Monzo.
Connect Monzo once. Keep it beside 6,100+ managed Connectors when the next task needs more.
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