Teller MCP for AI. Connect your AI client to live bank data and payments.
Gemini Works with every AI agent you already use
…and any MCP-compatible client
How this MCP server connects to your AI agent
Teller connects your AI client directly to live bank accounts via Open Banking standards. It lets you list connected accounts, check real-time balances, query historical transactions, verify account owner identity, and initiate payments like Zelle transfers, all using natural language commands.
What AI agents can do with Teller Automation
Get account balances
Fetches the current available balance and ledger balance for any connected account.
Get account details
Gets sensitive data like routing numbers and full account identifiers for a specific bank account.
List accounts
Generates a list of every bank account connected under the current enrollment.
Retrieves a list of all linked bank accounts and their unique identifiers.
Gets the current ledger balance and the amount available for immediate spending on any specified account.
Queries past financial movements, allowing you to filter by date range or page through results.
Pulls personal data (name, address, email) linked to the bank accounts for verification purposes.
Initiates a payment from an account using services like Zelle after you've defined the recipient payee.
Allows you to add new payees or completely revoke authorization for specific accounts within the enrollment.
Ask an AI about this
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What AI agents can do with Teller: 11 Tools for Financial Data Management
These tools give your agent granular control over every aspect of banking data—from listing accounts to initiating transfers.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Teller on VinkiusGet Account Balances
Fetches the current available balance and ledger balance for any connected account.
Get Account Details
Gets sensitive data like routing numbers and full account identifiers for a specific...
List Accounts
Generates a list of every bank account connected under the current enrollment.
Create Payee
Defines a new recipient (payee) that you can send money to from your linked accounts.
Delete Account
Removes authorization access for one specific bank account from the enrollment.
Delete All Accounts
Revokes all banking credentials and deletes access to every account linked in your enrollment.
Get Account
Retrieves general details for a single, specified bank account ID.
Get Identity
Pulls the owner's identity information, including names, addresses, phone numbers...
Initiate Payment
Sends money from a specified account to a defined payee (e.g., via Zelle).
List Institutions
Returns a list of all supported financial institutions that Teller can connect to.
List Transactions
Queries and lists historical ledger transactions for a specified account, supporting...
Security and governance baked right in.
Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.
Claude AI
Open Claude Settings
Go to claude.ai, click your profile icon, then navigate to Customize → Connectors.
Add Custom Connector
Click the "+" button and select Add custom connector. Paste your Vinkius endpoint URL:
https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp
Replace [YOUR_TOKEN_HERE] with your token
from cloud.vinkius.com. For OAuth-protected servers, expand
Advanced settings to add credentials.
Start a conversation
Open a new chat. The Teller integration is available immediately — no restart needed.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Teller, then connect any of our 5,100+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,100+ others, all in one place
- Add new capabilities to your AI anytime you want
- Every connection is secured and compliant automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
VINKIUS INFRASTRUCTURE
Cloud Hosted
Managed infra
V8 Isolated
Sandboxed per request
Zero-Trust Proxy
No stored credentials
DLP Enforced
Policy on every call
GDPR Compliant
EU data residency
Token Compression
~60% cost reduction
Built on the Model Context Protocol (MCP) for Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This connection provides 11 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
Reconciling spending across multiple banks shouldn't mean logging into five different portals., Solved with Vinkius AI Gateway
Today, if you're building a financial dashboard or doing manual reconciliation, you know the drill: log into your checking account portal. Copy the date range. Log into savings. Repeat the process for credit cards and investment accounts. You spend hours copying data from one tab to another just to get a unified view of cash flow.
With Teller, that tedious multi-portal chore is gone. Your agent simply runs `list_transactions` across all connected sources. The result is an immediate, clean dataset you can use right away—no copy/pasting required.
Teller MCP Server: Send money and manage accounts from chat.
Manually setting up a new recipient involves going into the bank's website, finding the payee section, filling out forms, and waiting for confirmation. It’s slow, and you risk getting details wrong.
Now, your agent handles it. You simply ask to create a payee, and the `create_payee` tool takes care of the necessary setup steps. The process is instant, verifiable, and contained entirely within the chat window.
What your AI can actually do with this
Listen up. This MCP Server gives your AI client direct access to your live bank accounts using Open Banking standards. You're not dealing with clunky dashboards; you manage money and run payments just by talking to it.
Setting Up & Checking Your Accounts
You wanna know which banks we can even connect to? Use list_institutions to get a rundown of every supported financial institution. Once connected, list_accounts spits out a list of every bank account under your current enrollment, complete with unique identifiers. If you need specific information about one particular account, use get_account.
For sensitive details like routing numbers and full account IDs, run get_account_details. You can pull general info for any connected account using get_account.
To check your money situation, first, use get_account_balances. That function fetches both the current available balance—the cash you can spend right now—and the overall ledger balance for any specified account. If you wanna see what happened with that dough over time, run list_transactions. You can query past financial movements and filter those results by a specific date range or page through large data sets.
Identity Verification & Payees
Need to verify who owns the money? Use get_identity to pull personal details like names, addresses, phone numbers, and emails linked to the bank accounts. When you're ready to send dough somewhere, first, you gotta define the recipient using create_payee. This sets up a new person or business you can actually send cash to from your connected accounts.
Making Payments & Managing Access
Sending money is straightforward: run initiate_payment specifying which account you're sending it from and which payee you just set up. You don't gotta deal with wire forms; you just tell the agent what to do, and it sends the payment (like a Zelle transfer).
If things get messy or you change banks, you can control your access. Use delete_account if you only wanna cut off one specific bank account from the enrollment. If you want to wipe the slate clean and revoke all banking credentials for every single linked account, run delete_all_accounts. That's it.
019ea60a-7376-701f-a624-1a27b9048f6f 
Here's how it actually works
The bottom line is: You talk to your AI client, and the client talks to your bank account via Teller.
Subscribe to the Teller server and enter your required Access Token, Certificate, and Private Key.
Your AI client authenticates with Vinkius and receives API access credentials for the bank network.
You prompt your agent (e.g., 'What was my spending last Tuesday?') and the agent executes the necessary tools (list_transactions) to get the answer.
Who is this actually for?
This is for the FinTech developer who needs production-grade banking APIs without building custom OAuth flows. It's for the operations engineer tired of manually logging into multiple financial portals just to reconcile one set of spending data. If your job involves money movement or auditing, you need this.
Builds applications that require real-time cash flow analysis and payment initiation (using initiate_payment) without writing boilerplate banking connector code.
Automates audit trails by querying identity records (get_identity) and checking account permissions or ownership details.
Runs automated daily checks to reconcile multiple bank accounts, using list_accounts followed by get_account_balances across the board.
What Changes When You Connect
Real-Time Balance Checks: Stop guessing if you have enough money. Using get_account_balances gives immediate ledger and available funds for any account, eliminating manual balance lookups.
Full Transaction Audit Trail: Need to know where the cash went? list_transactions pulls detailed history across accounts, letting you filter by date or page through thousands of entries instantly.
Automated Payments: Never manually initiate a transfer again. You can define payees using create_payee and then run payments directly with initiate_payment, all from chat.
Identity Verification Built-In: Compliance checks are simple. The get_identity tool instantly pulls owner info (address, email) associated with the accounts, saving you weeks of manual KYC work.
Centralized Account Management: Instead of logging into five different bank portals, use list_accounts and get_account_details to treat all your financial data as one unified source for your AI agent.
See it in action
Reconciling multi-source spending
You need to track every expense from last month. Instead of logging into three different bank websites and copy/pasting data, you ask your agent: 'Show me all transactions for the period of March 1st to March 31st.' The agent runs list_transactions across all connected accounts, giving you one unified output.
Verifying a client's ownership
Before sending money, compliance needs to confirm the account owner. You ask your agent: 'Verify John Doe's details for account acc_123.' The agent runs get_identity, which instantly provides the registered name, address, and email, completing the check.
Setting up a new payment workflow
You need to pay a vendor who isn't in your system. First, you use create_payee to define them. Then, when ready, you ask: 'Pay $500 to the vendor.' The agent runs initiate_payment, executing the transfer instantly.
Quickly checking fund availability
You're running a payment script and need confirmation that sufficient funds exist before proceeding. You ask: 'What is the available balance on my main account?' The agent runs get_account_balances to give you the precise, actionable figure.
The honest tradeoffs
Assuming a single endpoint for everything
Asking the agent: 'Give me my balance and all my transactions in one go.' This fails because balances are real-time, while transactions require date filtering and pagination.
You need two separate steps. First, use get_account_balances for the current money level. Then, run list_transactions specifying the date range you want to analyze.
Using general account data for payments
Trying to send a payment just by providing an account number without first establishing the payee. The system won't know who or what to pay.
You must define the recipient first using create_payee. Then, reference that payee ID when you call initiate_payment.
Forgetting access control
When a client relationship ends, leaving old credentials active creates massive risk. You might forget to remove the connection entirely.
Always run delete_account for specific accounts you no longer need, or use delete_all_accounts if the entire enrollment is compromised.
When It Fits, When It Doesn't
Use Teller if your core problem involves managing money: checking balances, tracking spending, sending payments, or verifying financial ownership. It's necessary when you need to act on structured bank data (e.g., 'Pay X amount').
Don't use it if your goal is non-financial information, like retrieving a user's general profile picture or their work schedule—those require different tools. Also, don't expect the server to handle cross-border currency exchange rates; this tool handles domestic bank connections and standard payments. If you need crypto tracking, this isn't it.
Questions you might have
How does Teller handle initiating payments? +
You must first use create_payee to define the recipient before running any payment. Once the payee is set up, the agent executes initiate_payment, sending funds directly from your specified account.
Can I check my balances for all accounts at once using Teller? +
Yes. You can first run list_accounts to get all available IDs, and then ask the agent to run get_account_balances on those IDs sequentially for a full view.
What if I need to stop using an account with Teller? +
You can revoke access by running delete_account for that specific bank, or use the more drastic delete_all_accounts tool if you want to cut ties completely.
Does Teller support transactions older than 90 days? +
The list_transactions tool supports date filtering and pagination. You specify the necessary start and end dates, allowing you to query historical data beyond typical limits.
What authentication credentials does Teller require to execute a tool like `list_accounts`? +
You must provide your Teller Access Token, Certificate, and Private Key. These keys are generated during the initial enrollment process with Teller. Your AI client uses these credentials to authenticate every call, ensuring secure access to your banking data.
How do I check which financial institutions are supported by the Teller API? +
You run the list_institutions tool to get a list of all compatible banks. This lets you verify connectivity before trying to fetch accounts from a specific source. It confirms the scope of your data access.
Can the Teller API completely revoke my banking connection using `delete_all_accounts`? +
Yes, calling delete_all_accounts immediately revokes authorization for every connected financial account. This action is irreversible and severs all access between your AI client and the bank data.
What does the Teller API return when I use the `list_accounts` tool? +
The list_accounts tool returns a list containing every connected account ID and its associated name. This initial list allows you to then target specific accounts for detailed queries, like running get_account_details.
Can I retrieve my full account and routing numbers for a specific account? +
Yes. Use the get_account_details tool with the specific Account ID. It will return the sensitive account and routing numbers associated with that account.
Is it possible to list transactions within a specific date range? +
Absolutely. The list_transactions tool allows you to provide start_date and end_date parameters (in ISO 8601 format) to filter your transaction history.
Can I initiate a payment like Zelle through this integration? +
Yes. You can use create_payee to set up a destination and then initiate_payment to send funds using supported schemes like Zelle.
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