create_an_internal_transfer moves funds between two accounts the organization already owns, while external transfers appear only through list_external_transfers and retrieve_an_external_transfer with no create beside them, which is a meaningful boundary for an agent holding this key. Deprecation notices travel in the descriptions rather than in a changelog you have to find: the older beneficiary reads point at the SEPA-specific endpoints, and untrust_a_list_of_beneficiaries is marked for deprecation on March 31, 2026 while staying available for international beneficiaries. Attachments have their own timing to plan around — an uploaded file is processed in the background and is not visible immediately, and a retrieved attachment URL stays valid for 30 minutes.
A Qonto API client with 36 tools covering the organization and its bank accounts, transactions and attachments, client and supplier invoicing, beneficiaries, memberships, labels, statements and requests.
- Accounts and organization: retrieve_the_authenticated_organization_and_list_bank_accounts, which can include connected external accounts, plus list_business_accounts and get_a_business_account for current and authorized balance.
- Transactions: list_transactions filtered by account or IBAN, operation type, side, status and settlement or update dates, retrieve_a_transaction, and an includes parameter that embeds labels, attachments and VAT details in the response.
- Attachments as first-class objects: upload_an_attachment, upload_an_attachment_to_a_transaction, list_attachments_for_a_transaction, retrieve_an_attachment, remove_an_attachment_from_a_transaction and remove_all_attachments_from_a_transaction.
- Client invoicing: create_a_client for an individual, company or freelancer, create_a_client_invoice with line items, payment methods, welfare fund, withholding tax and stamp duty, list_client_invoices, retrieve_a_client_invoice, list_credit_notes and retrieve_a_credit_note.
- Supplier invoicing: create_supplier_invoices in bulk from uploaded JPEG, PNG or PDF files, list_supplier_invoices and retrieve_a_supplier_invoice.
- Money movement: create_an_internal_transfer between two of the organization's own accounts, with external transfers readable through list_external_transfers and retrieve_an_external_transfer.
- Beneficiaries: list_sepa_beneficiaries and retrieve_a_sepa_beneficiary, alongside the older list_beneficiaries, retrieve_a_beneficiary and untrust_a_list_of_beneficiaries, which handles up to 400 at once.
- Bookkeeping context: list_labels and retrieve_a_label, list_memberships, list_requests filtered by status and request type, and list_statements with retrieve_a_statement.
A Qonto organization and an API login and secret key pair for it. Balance fields on the account reads require the Balance Authorization Read permission, and some account fields are restricted to owners and admins.
One command plus a key — uvx qonto-mcp-server --api-key API_LOGIN:API_SECRET_KEY, then supply credentials