🏦 Monzo MCP Server

A Model Context Protocol (MCP) server that provides access to your Monzo banking data through a Claude tool.

🪧 Demo

https://github.com/user-attachments/assets/ca3f9558-bc4b-460f-8658-99674f9c16b7

🖼️ Result

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monzo_mcp_bfdcampos_result

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🤖 Using with Claude Desktop

Restart Claude Desktop after installation.
Open the app and start a new conversation.
You can now ask Claude about your Monzo accounts:
- "What's my current balance?"
- "How much money do I have in my joint account?"
- "Show me all my Monzo accounts"
- "Move £50 from my personal account to my Savings pot"
- "Show me my transactions from today"

📊 Available Functions

💷 balance: link to official docs

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Returns the balance, spending today, and currency for a specified account type.

Parameters:

account_type (optional): Type of account to check balance for. Options: "default", "personal", "prepaid", "flex", "rewards", "joint"
total_balance (optional): If set to true, returns the total balance for the account. Default is false

Example requests:

What's my current balance?
How much money do I have in my joint account?
What's the balance of my flex account?

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🍯 pots: link to official docs

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Returns the list of pots for a specified account type.

Parameters:

account_type (optional): Type of account to check pots for. Options: "default", "personal", "prepaid", "flex", "rewards", "joint"

Example requests:

Show me my pots
How many pots do I have?
How much money do I have in my "Savings" pot?

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🪙 pot_deposit: link to official docs

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Deposit money from an account into a pot.

Parameters:

pot_id (required): The ID of the pot to deposit money into
amount (required): The amount to deposit in pence (e.g., 1000 for £10.00)
account_type (optional): The account to withdraw from. Default is "personal"

Example requests:

Add £25 to my Savings pot
Move £10 from my personal account to my Holiday pot

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🏧 pot_withdraw: link to official docs

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Withdraw money from a pot back to an account.

Parameters:

pot_id (required): The ID of the pot to withdraw money from
amount (required): The amount to withdraw in pence (e.g., 1000 for £10.00)
account_type (optional): The account to deposit into. Default is "personal"

Example requests:

Take £25 from my Savings pot
Withdraw £10 from my Holiday pot to my personal account

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🧾 list_transactions: link to official docs

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Lists transactions for a specified account.

Parameters:

account_type (optional): Type of account to list transactions for. Default is "personal"
since (optional): Start date for transactions in ISO 8601 format (e.g., "2025-05-20T00:00:00Z")
before (optional): End date for transactions in ISO 8601 format
limit (optional): Maximum number of transactions to return. Default is 1000

Example requests:

Show me my recent transactions
What transactions do I have from today?
List all transactions from my joint account this month

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📖 retrieve_transaction: link to official docs

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Retrieves details of a specific transaction.

Parameters:

transaction_id (required): The ID of the transaction to retrieve
expand (optional): Additional data to include in the response. Default is "merchant"

Example requests:

Show me the details of my last transaction
What was the last transaction I made?

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📝 annotate_transaction: link to official docs

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Edits the metadata of a transaction.

Parameters:

transaction_id (required): The ID of the transaction to annotate
metadata_key (required): The key of the metadata to edit. Default is 'notes'
metadata_value (required): The new value for the metadata key. Empty values will remove the key
delete_note (optional): If set to true, the note will be deleted. Default is false

Example requests:

Add a note to my last transaction saying "Dinner with friends"
Remove the note from my last transaction

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📦 Missing Functions from the Monzo MCP present in the Monzo API

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Copy & paste — that's it

# Clone the repository
git clone https://github.com/BfdCampos/monzo-mcp-bfdcampos.git
cd monzo-mcp-bfdcampos/monzo-mcp-bfdcampos

# Install dependencies using uv (Python package manager)
uv install

🚀 Installation

# Clone the repository
git clone https://github.com/BfdCampos/monzo-mcp-bfdcampos.git
cd monzo-mcp-bfdcampos/monzo-mcp-bfdcampos

# Install dependencies using uv (Python package manager)
uv install

🔑 API Setup

Create a .env file in the project directory with your Monzo credentials:

[!NOTE] To get your credentials, follow the instructions in the official Monzo Dev API Docs

MONZO_ACCESS_TOKEN='your_access_token'
MONZO_USER_ID='your_user_id'
MONZO_ACCOUNT_ID='your_default_account_id'

# Add specific account IDs for different account types
MONZO_UK_PREPAID_PERSONAL_ACCOUNT_ID='your_prepaid_account_id'
MONZO_UK_RETAIL_PERSONAL_ACCOUNT_ID='your_personal_account_id'
MONZO_UK_MONZO_FLEX_PERSONAL_ACCOUNT_ID='your_flex_account_id'
MONZO_UK_REWARDS_PERSONAL_ACCOUNT_ID='your_rewards_account_id'
MONZO_UK_RETAIL_JOINT_JOINT_ACCOUNT_ID='your_joint_account_id'

[!NOTE] I recommend getting the account IDs and adding them to your dotenv file to have a smoother experience with the server and reduce the number of API calls. This can also be found in the official Monzo Dev API Docs.

🔧 Setup with Claude Desktop

Method 1: Automatic Installation

Use the MCP CLI tool to install the server automatically:

uv run mcp install main.py

Method 2: Manual Configuration

Add the server to your Claude Desktop configuration file located at ~/Library/Application Support/Claude/claude_desktop_config.json:

{
  "mcpServers": {
    "Monzo": {
      "command": "/Users/[Your Home Directory]/.local/bin/uv",
      "args": [
        "run",
        "--with",
        "mcp[cli],requests",
        "mcp",
        "run",
        "/path/to/your/monzo-mcp-bfdcampos/monzo-mcp-bfdcampos/main.py"
      ]
    }
  }
}

Note: Replace /path/to/your/ with your actual paths. Important: Make sure to include requests in the --with argument as shown above.

❓ FAQ

<details><summary>My Claude Desktop is not detecting the server</summary>

Ensure you have the latest version of Claude Desktop.
Restart Claude Desktop by force quitting the app and reopening it.
Make sure your path is correct in the configuration file.
Use the absolute path to your uv installation, e.g., /Users/[Your Home Directory]/.local/bin/uv in the command section of the configuration file.
Verify that the requests library is included in the --with argument list in your configuration, as this is a common cause of connection issues.

</details> <details><summary>I've asked Claude about my balance but it's not using the MCP server</summary>

LLMs like Claude may not always use the MCP server for every request. Try rephrasing your question, specifically asking Claude to check your Monzo balance using the Monzo MCP tool.
You can check if there were any errors by looking at the logs in ~/Library/Logs/Claude/mcp-server-Monzo.log.

</details> <details><summary>How do pot deposits and withdrawals work?</summary>

When you deposit money into a pot or withdraw from a pot, the MCP creates a unique dedupe_id that includes the "triggered_by" parameter.
This helps identify transactions and prevents accidental duplicate transactions.
The default "triggered_by" value is "mcp", but you can customise this to track different sources of pot transfers.

</details> <details><summary>What is uv?</summary>

uv is a Python package manager and installer that's designed to be much faster than pip.
It maintains isolated environments for your projects and resolves dependencies efficiently.
Learn more at github.com/astral-sh/uv.

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