Monzo Mcp

io.github.partymolaPublished by GitHub account partymolav0.13.0Updated Nov 6, 2026

Read-only MCP server for the Monzo banking API: OAuth, local transaction cache, spending analysis.

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Overview

AI-generated overview

Read-only MCP server for the Monzo banking API that lets an assistant list accounts, balances and pots, sync transactions to a local cache, and analyse…

What you can do
  • List accounts, current balances, spend today and savings pots from the live Monzo API
  • Sync transactions into a local SQLite cache, with optional since date for backfill
  • List and filter cached transactions, and search them by merchant, payee, description or notes
  • Produce spending analysis with category breakdowns, top merchants and month-over-month comparison
  • Show cached counterparty details such as payee name, sort code and account number for bank transfers
When to use it
Useful when you want an assistant to answer questions about your own Monzo accounts, balances and pots, or to review and search spending history beyond Monzo's 90-day limit through a local cache. It is read-only, so it suits analysis rather than payments.
Requirements
A local process: Python 3.13+ with uv or pip from a git clone (not on PyPI), or the published container image run with docker. A Monzo account and an OAuth client registered at developers.monzo.com with redirect URL the client ID and secret are entered during the interactive auth command. Optional environment variables MONZO_MCP_CONFIG_DIR, MONZO_MCP_DB_PATH and MONZO_MCP_CALLBACK_HOST. Under Docker a volume must be mounted at /data.
Before you install
The auth step stores the OAuth client ID and secret plus access and refresh tokens as JSON files in the config directory, so protect that directory and any mounted volume. The server exposes no write tools and cannot move money, but it reads real banking data including payee names, sort codes and account numbers into a local SQLite cache. Full history backfill only works within five minutes of approving the login in the Monzo app; miss it and you silently get 90 days.

Installation

In SourceWeft

  1. Open Monzo Mcp in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

README

monzo-mcp

[CI] [License: GPL v3] [Python 3.13+] [Glama MCP Server]

MCP server for the Monzo banking API. Read-only access to accounts, balances, pots, transactions, and spending analysis - all through Claude Code or any MCP client.

Unlike other Monzo MCP implementations that use raw bearer tokens (which expire in 6 hours), this server handles full OAuth with automatic token refresh.

Features

  • 7 read-only tools - no write operations, no money movement
  • OAuth with auto-refresh - tokens refresh automatically, no manual regeneration
  • Local transaction cache - SQLite database survives Monzo's 90-day SCA window
  • Auto-sync on demand - the cache-reading tools run an incremental sync automatically if the cache wasn't synced today, so you rarely need to call monzo_sync by hand
  • Spending analysis - category breakdowns, top merchants, month-over-month comparison
  • Transaction search - search by merchant, payee (counterparty), description, or notes across cached history
  • Counterparty details - bank transfers (faster payments, p2p, Bacs) are cached with the payee's name, sort code, and account number

Tools

ToolDescriptionData source
monzo_list_accountsList accounts with types and IDsLive API
monzo_get_balanceCurrent balance and spend todayLive API
monzo_list_potsSavings pots and balancesLive API
monzo_syncSync transactions to local cacheLive API -> SQLite
monzo_list_transactionsList/filter cached transactionsLocal cache (auto-syncs if stale)
monzo_search_transactionsSearch by merchant/payee/description/notesLocal cache (auto-syncs if stale)
monzo_spendingSpending analysis with category breakdownLocal cache (auto-syncs if stale)

Prerequisites

  • Python 3.13+ (tested on 3.13, 3.14 and 3.15, on Linux, macOS and Windows, in CI)
  • uv (recommended) or pip
  • A Monzo account with an OAuth client registered at developers.monzo.com

Installation

bash
git clone https://github.com/partymola/monzo-mcp.gitcd monzo-mcpuv venv --python 3.13 .venvuv pip install -e .

This package is not on PyPI - the name belongs to an unrelated project. A container image is published instead; see Docker.

Setup

1. Register a Monzo OAuth client

Go to developers.monzo.com and create an OAuth client:

  • Set the redirect URL to http://localhost:6600/callback
  • Note your Client ID and Client Secret

2. Authenticate

bash
monzo-mcp auth

This opens your browser for Monzo OAuth. After authorizing, approve the login in your Monzo app within 5 minutes for full transaction history access (Monzo's SCA window).

3. Register with Claude Code

bash
claude mcp add -s user monzo -- /path/to/monzo-mcp/.venv/bin/monzo-mcp

On Windows the console script is at .venv\Scripts\monzo-mcp.exe.

4. First sync

In Claude Code, run monzo_sync to populate the local transaction cache. Do this immediately after auth to take advantage of the SCA window (up to 11 months of history).

Docker

Images are published to ghcr.io/partymola/monzo-mcp. Tags carry a v prefix (:vX.Y.Z), and :latest follows the most recent release.

The container needs a volume. Credentials and the transaction cache live under /data; with nothing mounted there, the container still starts and every tool reports that it is not configured, and anything you authorise is lost as soon as the container is replaced.

First register an OAuth client as described in Setup step 1 - auth prompts for the Client ID and secret, and there is no way to supply them later. The redirect URL is http://localhost:6600/callback, the same as a source install.

Authenticate once, into a named volume. Decide before you run this whether you want a bind mount instead - switching afterwards means authorising again:

bash
docker volume create monzo-mcp-datadocker run --rm -it \  -v monzo-mcp-data:/data \  -p 127.0.0.1:6600:6600 \  ghcr.io/partymola/monzo-mcp:latest auth

The published port is needed only for this step, so the OAuth redirect can reach the container. Binding it to 127.0.0.1 keeps the callback listener off your network. No browser opens - the container has none - so copy the URL it prints. Then approve the login in your Monzo app within 5 minutes (see Monzo SCA window).

Then register the server, reusing the same volume:

bash
claude mcp add -s user monzo -- \  docker run --rm -i -v monzo-mcp-data:/data ghcr.io/partymola/monzo-mcp:latest

-i is required - the server speaks JSON-RPC over stdin and stdout.

Sync straight away. The 11-month backfill closes 5 minutes after you approve in the Monzo app (see Monzo SCA window), and this route is longer than a source install - so call monzo_sync as soon as the server is registered. Miss it and you silently get 90 days instead, with no error.

To keep the files somewhere you can read them, use a bind mount instead of a named volume. The container runs as root and writes credentials owner-only, so without --user they end up root-owned:

bash
mkdir -p ~/monzo-mcp-data/configdocker run --rm -it \  -v ~/monzo-mcp-data:/data \  --user $(id -u):$(id -g) \  -p 127.0.0.1:6600:6600 \  ghcr.io/partymola/monzo-mcp:latest auth

Pass the same -v and --user to the server command. Create the directory first - --user against a named volume fails, because the volume initialises root-owned from the image.

CLI

monzo-mcp              Start the MCP server (stdio transport)monzo-mcp auth         Interactive OAuth setup (opens the browser)monzo-mcp --version    Print the installed package version

Configuration

All configuration is via environment variables (optional):

VariableDefaultDescription
MONZO_MCP_CONFIG_DIR<package>/config/Directory for OAuth credentials and tokens
MONZO_MCP_DB_PATH<package>/monzo.dbPath to SQLite transaction cache
MONZO_MCP_CALLBACK_HOSTlocalhostInterface the auth callback server binds to. The redirect URI is unaffected

The container image sets the first two under /data, because the package-relative defaults resolve into the interpreter's lib directory there, which cannot be mounted. It sets the third to 0.0.0.0, because a published port arrives on the container's bridge interface and a localhost bind refuses it.

Credential files (created by monzo-mcp auth):

  • config/monzo_client.json - OAuth client ID and secret
  • config/monzo_tokens.json - Access and refresh tokens (auto-refreshed)

Monzo SCA window

Monzo's Strong Customer Authentication (SCA) limits transaction history access:

  • Within 5 minutes of app approval: up to ~11 months of history
  • After the window expires: only the last 90 days

The local SQLite cache preserves all synced transactions permanently, so run monzo_sync promptly after monzo-mcp auth.

To backfill a specific range, pass since to monzo_sync - an ISO date (2026-01-01) or datetime (2026-01-01T14:30:00Z). Within the last 90 days this works at any time. Reaching further back only works inside the SCA window; outside it the request is refused, and the sync quietly fetches only what is newer than the newest cached transaction.

Older cached transactions gain fields added in newer versions (e.g. counterparty/payee details on bank transfers) only when re-fetched, which a post-auth full sync does for the history it re-pulls.

Security

  • Zero write tools - cannot send money, move funds between pots, or modify transactions
  • Monzo API itself cannot send money to external accounts
  • Tokens stored as JSON files in the config/ directory (gitignored)
  • All API calls are GET requests with Bearer token auth

Troubleshooting

  • "SCA required" or only 90 days of history - re-run monzo-mcp auth and approve the login in the Monzo app within 5 minutes, then sync straight away (see the SCA window above).
  • Token expired / no refresh - re-run monzo-mcp auth to re-authorise.
  • "No transaction data available" - the cache is empty, and the rest of the message says why. If it says the last sync failed, run monzo_sync to see the error. Run monzo-mcp auth only if it says the stored credentials were refused or cannot be used, or that the login needs approving in the Monzo app, and then call monzo_sync once.
  • Every tool reports "not configured" under Docker, or authentication does not survive a restart - nothing is mounted at /data. See Docker; the same volume must be passed to the auth run and to the server.
  • auth sits on "Waiting for callback..." after you approve - the callback was not delivered. Press Ctrl-C and run it again. Under Docker, check the port is published (-p 127.0.0.1:6600:6600).

Contributing

See CONTRIBUTING.md for development setup, the test workflow, and the pre-commit hook. Changes are tracked in CHANGELOG.md.

License

GPL-3.0-or-later. See LICENSE.

Source: README.md at commit 6c6e0fb

Tools

0
SourceWeft started this package once in an isolated sandbox, without credentials, to list its tools. That failed: the package type cannot run in the sandbox.

Version history

5
  1. v0.13.0LatestNov 6, 2026
  2. v0.12.0Nov 4, 2026
  3. v0.11.1Nov 3, 2026
  4. v0.10.0Sep 29, 2026
  5. v0.9.0Sep 16, 2026

Score

50% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 days25 pts

    Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.

  • Auth declared10 pts

    Declare the credential headers in the registry entry, or keep the endpoint answering the probe so its auth can be classified.

  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts