Monzo MCP is an MCP server that integrates with the Monzo banking API, offering secure, read-only access to your financial data and analysis tools through MCP clients like Claude Code.

How does Monzo MCP provide extended transaction history?

It utilizes a local SQLite database to cache all synced transactions permanently. This bypasses Monzo's 90-day SCA window, allowing you to access extended history beyond 90 days, up to ~11 months on initial sync.

Is Monzo MCP secure and what data can it access?

Yes, it's designed for security with zero write operations, meaning it cannot send money or modify transactions. It uses robust OAuth with auto-refresh for secure, read-only API access.

What financial analysis features does it offer?

You can perform detailed spending analysis with category breakdowns, month-over-month comparisons, and search transactions by merchant, description, or notes across your full cached history.

Monzo

Name: Monzo
Author: partymola

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Integrates with the Monzo banking API to provide secure, read-only access to financial data and analysis via MCP clients.

This tool serves as a Model Context Protocol (MCP) server for the Monzo banking API, offering read-only access to account information, balances, pots, and transactions. Unlike other implementations, it features full OAuth with automatic token refresh, a local SQLite transaction cache that bypasses Monzo's 90-day Strong Customer Authentication (SCA) window, and robust spending analysis capabilities including category breakdowns, top merchants, and month-over-month comparisons. It empowers users to analyze their financial data and integrate it with AI assistants like Claude Code.

主な機能

01OAuth with automatic token refresh

02Detailed spending analysis with category breakdowns

031 GitHub stars

04Search cached transactions by merchant, description, or notes

057 read-only financial data tools

06Local SQLite transaction cache for extended history

ユースケース

01Integrating Monzo account information securely into AI-driven workflows or applications

02Accessing historical Monzo transaction data beyond the 90-day API limit

03Performing detailed personal financial analysis and tracking spending habits