T-Bank MCP

T-Bank (Т-Банк) MCP — mobile banking API server for Claude Code, Codex, ChatGPT, and other MCP-capable agents.

Features

• 76 tools: accounts, cards, documents, operations, grocery ordering, cinema and concert tickets, orders, transfers (including payment by bank requisites, from a scanned invoice QR), messenger, investments

• 11 skills, entered through the tbank router skill: grocery order, tickets, travel search, transfer, bill pay, cards & documents, messenger, budget analysis, invest advisor, login

• Pinned CA trust: system store + the Russian Trusted Root CA (Минцифры), which no OS ships and every *.t-bank-app.ru host needs — that is most of the 22 hosts this MCP talks to. Shipped in ca/roots/, pinned by SHA-256. Leaf/intermediate rotation needs no action; a root rotation is a PEM drop into ca/roots/ (or TBANK_EXTRA_CA). Certificates are never learned from the network — see the header of src/tls.py.

• Grocery checkout: search → cart → order → pay (proven end-to-end)

• Secure login: password/PIN stay OUT of the LLM context (local CLI or env var)

Related MCP server: @theyahia/tkassa-mcp

Quick Install

As a Claude Code plugin (server + all 11 skills in one step)

/plugin marketplace add icyberdeveloper/tbank-mcp
/plugin install tbank@tbank-mcp
/reload-plugins

There is no store to be admitted to — a marketplace is just a git repo with a .claude-plugin/marketplace.json, and anyone can host one.

The venv and the Python dependencies are created on the server's first start by bin/tbank-mcp: a plugin manifest cannot run install steps (install is not a field in the schema), so the launcher does it once and every later start goes straight to the server. Only the grocery checkout needs a browser, and 150 MB is not something to download behind your back — install it yourself if you want that flow:

~/.claude/plugins/*/tbank/.venv/bin/python -m playwright install chromium

Manually (clone, no plugin)

git clone https://github.com/icyberdeveloper/tbank-mcp.git
cd tbank-mcp
python -m venv .venv && . .venv/bin/activate
pip install -e .
python -m playwright install chromium

# MCP server:
claude mcp add tbank -- ./.venv/bin/python -m src.server

# Skills — a COPY, so it does not follow the repo. Re-run after every pull, or
# the installed skills quietly describe an older version of these tools:
cp -r skills/* ~/.claude/skills/

🔒 Login — the password never reaches the agent

The password and the PIN are secrets, and they are not put into the model's context. Logging in is done by a local script, or through an environment variable.

Option 1 (recommended): the local CLI

The script asks for the password itself, via getpass, so it is never echoed to the terminal and never passes through the agent. Its prompts are in Russian, as shown:

cd tbank-mcp

.venv/bin/python login_cli.py +7XXXXXXXXXX
# [1/3] login(+7XXXXXXXXXX) ...
#     SMS отправлена
# [2/3] SMS-код: ****                     ← the code from the SMS (hidden input)
# [3/3] Пароль (не отображается): ****    ← your password (hidden input)
#
# ✓ ГОТОВО! Сессия сохранена: ~/.local/share/tbank-mcp/session.json (права 0600).
#   MCP читает этот же файл — путь совпадает без ручной настройки.

Or with the password in the environment, for CI and scripts:

TBANK_PASSWORD="your-password" .venv/bin/python login_cli.py +7XXXXXXXXXX

Then start Claude Code. The agent picks up the saved session and works without the password, which never enters the LLM context.

Option 2: through the agent (convenient, but the LLM sees the password)

If you are content to hand the password to the agent:

> login(+7XXXXXXXXXX)
> [SMS code] 1234
> confirm_otp("1234")
> [bank asks password]
> confirm_password("YourPassword")

⚠️ Note: the password ends up in the model's context and in call logs. For an account you care about, use Option 1.

Both options need the SMS code typed in either way, so there is no unattended login: TBANK_PASSWORD / TBANK_PHONE are not read anywhere in this codebase, and a section here used to claim otherwise.

Работа с MyT (рабочий календарь и парковка) переехала в отдельный MCP: tbank-myt. Другой аккаунт, другая сессия, свой login_cli.py — здесь их больше нет.

Other agents (Codex, ChatGPT, Hermes, OpenClaw)

{
  "mcpServers": {
    "tbank": {
      "command": "/path/to/tbank-mcp/.venv/bin/python",
      "args": ["-m", "src.server"],
      "cwd": "/path/to/tbank-mcp"
    }
  }
}

Tools

Each tool's docstring is the reference — this table is only a map of the surface. The docstrings, the skills and everything the tools print are in Russian: the bank is Russian and so is the person reading the answer.

get_data(section) covers 60+ endpoints: subscriptions, credit_schedule, statements, loans, invest_accounts, pension, etc. (invest_portfolio is a tool of its own, not a section — see the docstring for the full list.)

Grocery tools (grocery_search, grocery_plan_order, grocery_add_to_cart, grocery_set_cart, grocery_cart, grocery_checkout) require app_id + point_id taken from grocery_stores() — there's no silent default store, so add/cart/checkout always operate on the same cart, instead of reporting an empty one right after something was added to a different store's.

Skills

Example requests

Ask in Russian — the tools answer in Russian. Everything below was run against the live bank.

Кино и афиша

Что идёт в кино сегодня?
Купи два билета на «Майкла» на завтра в Каро 11 около 20:00 в центре зала
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Деньги

Покажи мои счета
Переведи 10 рублей Алёне на +79991234567
Какие последние 5 операций?
Покажи реквизиты счёта

Продукты

Хочу оливье, собери корзину с минимальным КБЖУ
Хочу оливье, собери корзину с минимальной ценой
Хочу оливье, собери корзину из премиум продуктов
Найди самый дешёвый картофель за килограмм
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Карты и документы

Покажи реквизиты основной карты
Какие лимиты по основной карте?
Покажи реквизиты моего паспорта
Когда истекает мой загранпаспорт?

Tests

No pytest — the tests are standalone scripts. Run them all:

.venv/bin/python tests/run_all.py            # every file, ~35 s, offline
.venv/bin/python tests/run_all.py transfer   # only files matching "transfer"

Each runs in its own process, and the runner redirects the attempt/event journals to a temp directory so a test run never writes to ~/.local/share/tbank-mcp/.

Everything needed is in the repo: request contracts are pinned against scrubbed fixtures in tests/fixtures/ (real structure and protocol values, synthetic personal data), so the suite is meaningful on a clean clone. Where the original Burp capture is present the tests additionally check the fixtures have not drifted from it.

Security

• session.json — canonical path ~/.local/share/tbank-mcp/session.json (override with TBANK_SESSION), mode 0600, owner-only. It holds tokens. Both login_cli.py and the MCP server read the same file, so there is nothing to configure. On start-up the MCP logs the path, size and permissions only — never a token or a cookie.

• Password / PIN — not in git, not in the code, and not in the LLM context if you use login_cli.py.

• No secrets in the repo. Two kinds of committed material look secret-adjacent and are not: ca/roots/*.pem are public CA root certificates, shipped on purpose and pinned by SHA-256 in src/tls.py; tests/fixtures/*.json are request contracts scrubbed from a real capture — real structure and protocol values, synthetic account, phone, address and device ids. The captures themselves are gitignored and never leave the machine.

• events.jsonl + attempts.jsonl — redacted diagnostics in ~/.local/share/tbank-mcp/. They carry step, http_status, blame, amount and order id, and never tokens, cookies, addresses, phone numbers, emails or account numbers. Safe to share while debugging; the diagnostics tool reads them.

• calls.jsonl — one line per tool call, so it can be seen how an agent uses this MCP: the tool, its arguments, the duration, and the FIRST LINE of the answer, which is what the agent actually read. Held to the same promise as the files above: arguments that are free text a person wrote (a chat message, a transfer note) or a credential are measured, never stored; long digit runs — account, card, order and payment ids — are replaced in the recorded line, both to keep them out and because the report groups by that line. The debug_report tool reads it. On by default; TBANK_TRACE=0 disables it, TBANK_TRACE_FILE moves it, and it rotates at 5 MB.

• Device profile. Payments carry a 3DS/anti-fraud block whose device facts — screen size, locale, timezone, hardware model — default to the device the traffic was captured from. Override them with TBANK_DEVICE_SCREEN_HEIGHT / _WIDTH / TBANK_DEVICE_LANGUAGE / TBANK_DEVICE_TIMEZONE / TBANK_DEVICE_MODEL so your payments do not describe someone else's phone.

• Request-shape switches. Two divergences from the captured app are corrected behind env vars, so a rollback is one variable and no re-login (neither touches session.json):

  • TBANK_QUERY_PROFILE=legacy — restores sending wuid to every host and injecting vendor/client_version on every read. The app sends wuid only to www.tbank.ru under /api/common/, and the other two only on the OIDC authorize call, so the default is now the scoped form.

  • TBANK_ACCEPT_PROFILE — json (default, and today's behaviour byte-for-byte) | auto | a comma-separated host list. The app does not send application/json to its native hosts; that string is the Apple URL-loading default that appears when no Accept is set. The captured responses are application/json either way, so this is fidelity rather than a fix — but 63 templates share the busiest host and there is no staging environment, so it is OFF until driven live. Roll it out one host class at a time, cheapest first: webview/shortcuts/my-home (unreachable or trivial reads) → api-invest* (invest_accounts, invest_portfolio) → api.t-bank-app.ru starting with keepalive, whose Content-Type demonstrably becomes text/html while its body stays JSON → www.tbank.ru → the three lifestyle shelf paths. A regression has one signature: _unwrap raising HTTP_200 because the body no longer parses. Compare debug_report() before and after each step.

• Money tools (transfer, transfer_requisites, grocery_checkout, ticket_pay, pay_bill) require confirmation of a specific amount — "buy it" is not a confirmation.

• Tool annotations. Every tool declares what it does, in one table — TOOL_KINDS in src/server.py — and a tool missing from it raises at import rather than defaulting to anything. Three kinds: 59 are readOnlyHint: true and may run without a prompt; 12 write something that costs nothing (a cart, a booking, a message, an OTP, a token, a local file) and are marked destructiveHint: false; 5 debit an account — transfer, transfer_requisites, grocery_checkout, ticket_pay, pay_bill — and are the only ones carrying destructiveHint, which is what forces a confirmation dialog. The line is drawn at money on purpose: a booking expires by itself and a cart line is a rewrite away, so confirming those is friction that teaches people to click through the one dialog that matters. The 12 writers are not marked read-only, because they do modify things and that flag states the opposite — if your client still prompts on them, allow them once in the client rather than changing what the server claims.

Disclaimer

For personal use with your own T-Bank account. Not affiliated with T-Bank.