Up Banking MCP Server

A Model Context Protocol (MCP) server that provides integration with the Up Banking API. This server allows Claude to interact with your Up banking data, including accounts, transactions, and categories.

Features

• Account Management: List all accounts, get account details and balances

• Transaction History: Query transactions with flexible filtering (date range, status, category, tags)

• Category Information: Access Up's spending categories for better transaction insights

• Type-Safe: Built with TypeScript for reliability and developer experience

• Secure: Uses Up's personal access token for authentication

Related MCP server: Plaid Transactions MCP Server

Prerequisites

• Node.js 18 or higher

• An Up bank account

• Up personal access token

Installation

1. Clone or download this repository:

cd up-mcp-server

2. Install dependencies:

npm install

3. Build the server:

npm run build

Getting Your Up API Token

1. Open the Up app on your phone

2. Swipe right and select "Data sharing"

3. Tap on 'Personal Access Token'

4. Select 'Generate a token'

5. Choose how long you want the token to last

6. Follow the prompts and copy your token securely

Important: Keep your token secure! Never share it or commit it to version control.

Configuration

Claude Desktop Configuration

Add this to your Claude Desktop configuration file:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "up-banking": {
      "command": "node",
      "args": ["/absolute/path/to/up-mcp-server/build/index.js"],
      "env": {
        "UP_API_TOKEN": "your_up_api_token_here"
      }
    }
  }
}

Replace /absolute/path/to/up-mcp-server with the actual path to this directory, and replace your_up_api_token_here with your Up personal access token.

Alternative: Using npx

You can also run the server directly with npx:

{
  "mcpServers": {
    "up-banking": {
      "command": "npx",
      "args": ["-y", "/absolute/path/to/up-mcp-server"],
      "env": {
        "UP_API_TOKEN": "your_up_api_token_here"
      }
    }
  }
}

Available Tools

up_ping

Test the API connection and verify authentication is working.

up_list_accounts

List all accounts with optional filtering by account type or ownership.

Parameters:

• accountType (optional): Filter by "SAVER", "TRANSACTIONAL", or "HOME_LOAN"

• ownershipType (optional): Filter by "INDIVIDUAL" or "JOINT"

up_get_account

Get detailed information about a specific account.

Parameters:

• accountId (required): The account ID

up_list_transactions

List transactions with comprehensive filtering options.

Parameters:

• accountId (optional): Filter to a specific account

• status (optional): "HELD" (pending) or "SETTLED"

• since (optional): Start date in RFC 3339 format (e.g., "2024-01-01T00:00:00+10:00")

• until (optional): End date in RFC 3339 format

• category (optional): Category ID (e.g., "restaurants-and-cafes")

• tag (optional): Transaction tag

• pageSize (optional): Number of results (1-100)

up_get_transaction

Get detailed information about a specific transaction.

Parameters:

• transactionId (required): The transaction ID

up_list_categories

List all spending categories in Up.

Parameters:

• parentId (optional): Filter to children of a specific parent category

up_get_category

Get details about a specific category.

Parameters:

• categoryId (required): The category ID (e.g., "restaurants-and-cafes")

Usage Examples

Once configured, you can ask Claude questions like:

• "What's my current account balance?"

• "Show me all transactions from last month"

• "How much did I spend on restaurants this week?"

• "List all my saver accounts"

• "What are the pending transactions in my spending account?"

• "Show me all transactions tagged with 'vacation'"

Development

Watch Mode

For development with automatic recompilation:

npm run dev

Testing the Connection

After configuration, restart Claude Desktop and try:

Can you ping the Up API to verify the connection?

Troubleshooting

"UP_API_TOKEN environment variable is required"

Make sure you've added your Up API token to the env section of your Claude Desktop config.

"Up API error: 401"

Your API token is invalid or expired. Generate a new token in the Up app.

Server not appearing in Claude

1. Check that the path to build/index.js is absolute and correct

2. Verify the JSON syntax in your config file is valid

3. Restart Claude Desktop completely

4. Check Claude's logs for error messages

Security Notes

• Your Up API token grants full read access to your banking data

• Never commit your token to version control

• Use environment variables or secure configuration management

• Token access can be revoked anytime in the Up app

• Consider setting an expiration date for your tokens

API Rate Limits

The Up API has rate limits. The server will return error messages if limits are exceeded. Use pagination and filtering to minimize API calls.

Contributing

This is a basic implementation covering the main read operations. Potential enhancements:

• Add webhook support for real-time transaction notifications

• Implement transaction categorization updates

• Add attachment/receipt support

• Support for pagination with cursor-based browsing

License

MIT

Related Links

• Up Banking API Documentation

• Model Context Protocol Documentation

• Up Bank