# N26 Banking MCP > N26 Banking connects your AI agent directly to your N26 financial accounts. It lets you check real-time balances for all linked accounts, list recent transactions across the Eurozone, and monitor specific savings goals (Spaces) without opening the mobile app. You get a single source of truth for your personal finances through natural conversation. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** mobile-banking, sub-accounts, transaction-monitoring, personal-finance, account-management ## Description Need to know exactly where your money is right now? This MCP gives your AI agent secure access to your N26 accounts. Instead of logging into multiple banking portals, you just ask your agent what you need. It pulls the current balance and IBAN for any account you have. You can feed it recent transaction history to quickly check if that Amazon purchase went through or see exactly where your spending money went last week. Plus, it tracks your N26 Spaces, letting you monitor progress toward a big goal—like a vacation fund—all in one place. Working with Vinkius's catalog means you connect once and gain access to this financial intelligence alongside dozens of other services, making your agent a true personal finance copilot. ## Tools ### get_n26_accounts Lists every N26 account you hold, giving the current balance and IBAN for each one. ### get_n26_spaces Retrieves the balances and details for all your dedicated savings spaces (sub-accounts). ### get_n26_transactions Fetches a list of recent banking activity, letting you audit your spending over time. ## Prompt Examples **Prompt:** ``` Show me my N26 account balance. ``` **Response:** ``` Retrieving your account details... Your current balance is €2,150.40. I've also identified your IBAN if you need it for a transfer. Would you like to see your recent transactions? ``` **Prompt:** ``` What are my last 3 transactions on N26? ``` **Response:** ``` Fetching your history... Your last 3 transactions were: 'Lidl' (€15.20), 'Amazon.de' (€45.00), and 'Shell' (€60.00). Would you like to see more details for any of these? ``` **Prompt:** ``` List all my N26 Spaces and their balances. ``` **Response:** ``` Retrieving your Spaces... You have 3 active spaces: 'Vacation' (€1,200), 'New Car' (€5,000), and 'Emergency Fund' (€2,500). Your total savings across all spaces is €8,700. ``` ## Capabilities ### Retrieve Account Status Lists all connected N26 accounts and provides real-time balances and IBANs. ### Audit Spending History Pulls recent transaction records, allowing you to track spending patterns across the Eurozone. ### Monitor Savings Goals Retrieves details and balances for all your N26 Spaces (sub-accounts). ### Summarize Financial Activity Allows the agent to synthesize recent transactions and sub-account status into a readable summary. ## Use Cases ### Checking Cross-Border Funds A digital nomad lands in a new country and needs to confirm if their main checking account has enough funds for an immediate transfer. They ask their agent, which uses `get_n26_accounts`, and get the current balance and IBAN immediately. ### Budgeting Review A user wants to see if they overspent on groceries last month. They prompt their agent, which executes `get_n26_transactions`, filtering by vendors like 'Lidl' and calculating total spending in the desired category. ### Investment Tracking A user needs to know if they can afford a new car down payment. They ask their agent, which uses `get_n26_spaces`, checking the balances of all designated savings goals, confirming they hit their 'New Car' target. ### Financial Status Check A busy professional needs a quick snapshot before a meeting. They ask for a summary of finances, and the agent compiles data by calling `get_n26_accounts` and listing all current balances in one response. ## Benefits - Stop opening the app just to check a balance. Your agent can use `get_n26_accounts` to give you real-time balances and IBANs with a single query. - Audit your spending effortlessly. Instead of scrolling through statements, ask for recent transactions using `get_n26_transactions` and get immediate insights into where money went. - Track savings goals better than ever. The agent uses `get_n26_spaces` to give you an instant overview of every sub-account balance, helping you monitor progress toward a goal. - Manage complex finances without deep diving into menus. You can ask your agent to summarize your entire financial status by combining data from multiple accounts and spaces. - It works across any client. Connect this MCP through Claude or Cursor, and the banking intelligence is available wherever you're working. ## How It Works The bottom line is: you talk naturally to your AI client, and it pulls real-time bank data into the conversation. 1. Subscribe to this MCP on Vinkius, then enter your N26 Access Token via the developer portal. 2. Your AI client connects using the token, establishing secure read-only access to your financial data. 3. You ask your agent a question—like 'What did I spend last week?'—and it executes the necessary tools and returns the answer. ## Frequently Asked Questions **How does the N26 Banking MCP work with my bank data?** The MCP securely connects your AI agent to your N26 account using a token. It reads balance and transaction data in real time, but it never allows the agent to make changes or send money. **Can I see all my sub-accounts with the N26 Banking MCP?** Yes. You can use `get_n26_spaces` to retrieve details and balances for every dedicated savings space you have set up in N26. **Does this help me track my spending over time using get_n26_transactions?** Absolutely. Running `get_n26_transactions` pulls your recent history, letting you audit specific vendors or date ranges to see exactly where your money went. **Is the N26 Banking MCP safe for sensitive data?** Yes. The connection is read-only and secure, ensuring that only balance information and transaction history are accessed by your agent client. **Do I need to use a specific AI client with the N26 Banking MCP?** No. Because this MCP adheres to open standards, you can connect it through any compatible client, including Claude, Cursor, and Windsurf.