# Monzo Banking MCP > Monzo Banking connects your AI client to real-time personal finance data. Instantly check balances, list every account you own, and fetch recent transaction history directly through natural conversation. Stop logging into apps just to see how much money you have left. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** personal-finance, bank-account, transaction-history, budgeting, real-time-balance ## Description This MCP gives your AI agent secure access to the intelligence of your Monzo bank accounts. You can ask simple questions—like 'How much cash do I have right now?' or 'Did I pay my rent this month?'—and get instant, accurate answers without opening a browser. Your agent pulls real-time balances and provides comprehensive transaction histories, letting you audit spending patterns instantly. Whether you’re building automated budgeting tools or just need to quickly verify a number before a meeting, your AI client acts as a dedicated financial assistant through natural conversation. This MCP is hosted on Vinkius, the #1 catalog for connecting agents to services. You can retrieve a full list of all accounts associated with your profile and summarize recent spending activity in plain language. It’s how you manage daily finances or track budget goals simply by talking to your agent. ## Tools ### get_monzo_accounts Lists every bank account connected to your Monzo profile so you know what data is available. ### get_monzo_balance Provides the live, current balance for a specific Monzo account ID. ### get_monzo_transactions Pulls a detailed record of recent spending and deposits from your accounts. ## Prompt Examples **Prompt:** ``` Show me my current Monzo balance. ``` **Response:** ``` Retrieving your account balance... Your current balance is £1,245.50. You have spent £12.30 so far today. Would you like to see your recent transactions? ``` **Prompt:** ``` List my Monzo accounts. ``` **Response:** ``` I've found 2 accounts: a 'Personal' account (ending in 4567) and a 'Joint' account (ending in 8901). Which one would you like to check? ``` **Prompt:** ``` What were my last 5 transactions? ``` **Response:** ``` Fetching your recent history... Your last 5 transactions include 'Tesco' (£5.40), 'Starbucks' (£3.20), and 'Transport for London' (£2.10). Would you like the full breakdown? ``` ## Capabilities ### List all bank accounts Retrieves a complete list of every Monzo account associated with your profile. ### Check real-time balances Gets the current cash balance for any specific Monzo account you own. ### View transaction history Fetches a list of recent spending and deposits, allowing you to audit your financial activity. ## Use Cases ### I need to see if I have enough money for a trip. A traveler asks their agent: 'What's my total spending capacity?' The agent first uses get_monzo_accounts to list all accounts, then checks the combined balances using get_monzo_balance, giving an immediate answer instead of forcing them to log into multiple portals. ### My client wants a report on last month's spending. The analyst asks their agent: 'Give me all transactions from the travel category in June.' The agent uses get_monzo_transactions, filters the data based on keywords, and presents a clean summary for the final report. ### I forgot how many accounts I even have. The user types: 'What are my Monzo accounts?' The agent simply calls get_monzo_accounts and lists them out, solving the problem immediately without needing to click through any settings menus. ### I'm reviewing my monthly spending habits. The user prompts: 'Summarize all transactions from Starbucks over the last two weeks.' The agent retrieves data using get_monzo_transactions and provides a simple, aggregated total, making budget review painless. ## Benefits - Instead of opening the Monzo app and digging through menus, you just ask your agent to check real-time balances. It's instant financial status checks via natural conversation. - You don't have to manually track which accounts exist. Use get_monzo_accounts to get a full list of everything attached to your profile in one query. - Need to audit spending? Get_monzo_transactions fetches recent activity, letting you see exactly where money went without downloading CSV files or scrolling endlessly. - Budgeting just got easier. You can ask the agent to summarize your recent financial activity using get_monzo_transactions data for quick insights. - This integration lets developers build powerful workflows because it provides reliable access to core banking functions, like checking balances and listing accounts. ## How It Works The bottom line is you use plain conversation to access complex financial data. 1. Subscribe to this MCP on Vinkius. 2. Enter your unique Monzo Access Token (you grab this from the developer portal). 3. Use your AI client to ask natural language questions, like 'What were my spending totals last week?' ## Frequently Asked Questions **How often does Monzo Banking MCP get updated?** The connection relies on real-time API access. As long as the underlying Monzo service is active, you'll receive up-to-the-minute data for balances and transactions. **Can I use Monzo Banking MCP to set budgets?** This MCP provides the necessary raw data. You can ask your agent to summarize spending using get_monzo_transactions, which is the first step toward building a budget tool. **Do I need to list my accounts first with Monzo Banking MCP?** No. While you *can* call get_monzo_accounts to see all options, your agent can often infer which account balance you mean if the context is clear. **What data does get_monzo_transactions provide?** It provides a detailed history of recent activity. You'll get vendors, dates, and amounts for everything that moved through your connected accounts.