BankMCP™

Your bank accounts set free. Ask your AI assistant anything about them. Read-only, self-hosted, one user. Standard MCP; tested with Claude and Ollama.

BankMCP™ is not a bank. It is a small open-source server you host yourself (package name bank-mcp). It connects to your banks through Enable Banking, which wraps 2,700+ European banks in one PSD2 API, and exposes them to any MCP client as a connector. Read-only, no payments, no third party holding your data.

"Has the invoice from Acme been paid?" · "What did we spend on groceries in August?" · "Which subscriptions am I paying for, and what do they cost per year?" · "Tell me when my balance drops below 5,000."

How it works

Your assistant ──OAuth──▶ your BankMCP™ server ──JWT──▶ Enable Banking ──PSD2──▶ your bank

• Your assistant (Claude, ChatGPT, Cursor, or any MCP client) talks to your server as a connector. You sign in once with a password; tokens handle the rest.

• Your server holds the Enable Banking application key, the bank consents and your account ids. It does not store balances or transactions and sends no telemetry.

• Enable Banking is the licensed provider. You log in at your bank's own site to approve access; nobody sees your bank credentials.

Setup

You need an Enable Banking account (free), a place to run a container with a public https address, and about fifteen minutes.

1. Deploy

Any container host works. The server needs a persistent volume at /data and a public https address; it asks you for everything else in the browser.

Railway: New Project, Deploy from GitHub repo, pick this repo. Add a volume mounted at /data and generate a domain (Settings, Networking, port 8080). The Dockerfile and railway.json are picked up automatically, and the server learns its own address from Railway.

Docker Compose on your own box: docker compose up -d, then put a TLS terminator in front (Caddy needs two lines: YOUR-HOST { reverse_proxy localhost:8080 }) and set BASE_URL to the public address. Fly.io works like Railway: volume at /data, the app name gives the address.

Open the address. A fresh server shows a setup page.

2. Register an Enable Banking application

The setup page lists the exact values Enable Banking's form asks for: the redirect URL, a description for the consent screen, and the privacy and terms URLs, all pointing at your server. At https://enablebanking.com/cp/applications create an application with them:

• Environment: Production for your real accounts, Sandbox for test data (see Going live below for the production rules).

• Keep "generate private key" selected. A .pem file downloads once when you save; that is the key. The application id (a UUID) is shown after saving.

3. Finish setup

Back on the setup page: paste the application id, choose the .pem file, pick a password of twelve characters or more. Everything is stored on the volume, and the page turns into a status page showing the connector URL for your assistant.

Prefer configuration by environment? Set these and the setup page does not appears:

Optional: NOTIFY_WEBHOOK_URL for watch notifications and sign-in alerts (a Slack incoming webhook works). Full list in .env.example. npm run check verifies a configuration from a terminal.

4. Add the connector in your assistant

In claude.ai (or the desktop app): Settings → Connectors → Add custom connector. Name it BankMCP™, paste https://YOUR-HOST/mcp, save, then click Connect. Your server shows a password page; enter the admin password. That is the only login you will do.

In Claude Code:

claude mcp add --transport http bank https://YOUR-HOST/mcp

then run /mcp inside Claude Code to sign in.

Other MCP clients (ChatGPT, Mistral Le Chat, Cursor, VS Code) work the same way: add the URL as a remote MCP server, sign in with the password. Tested with Claude, Claude Code and Ollama; the others follow the same standard. A client whose domain is not in ALLOWED_REDIRECT_HOSTS needs adding there.

5. Connect your bank

In your assistant, say "connect my bank" (or use the connect-bank prompt). It looks up your bank, gives you a link, you log in at the bank and approve, and the accounts appear. Consents last up to 180 days; you are told when one is about to expire and the same conversation renews it.

Give accounts labels ("Everyday", "Joint expenses", "Mortgage") when it suggests them. Every tool accepts labels instead of ids.

Going live with your own accounts

Enable Banking's production environment normally requires a contract, but it has a restricted mode for accessing your own accounts, explicitly allowed for individual non-commercial use. After registering a Production application:

1. On the (Inactive) application click Activate by linking accounts.

2. Log in at your bank and approve. Repeat for each bank you want.

3. The application becomes active and the API returns only the accounts you linked this way.

Read the Restriction of Use section of Enable Banking's Terms of Service before you rely on it: restricted mode is for your own accounts, not for offering a service to others. This project does not change those terms.

What you get

Tools (all read-only):

Prompts: connect-bank, monthly-summary, build-budget, subscription-audit, unusual-transactions.

Watches run on the server. Rules: balance below or above an amount, a single debit over an amount, an incoming or outgoing payment matching a name, and "tell me if this payment has not arrived by this date". Accounts are checked at most four times a day, the PSD2 limit for unattended access. Notifications go to NOTIFY_WEBHOOK_URL as a Slack message or a JSON POST.

Enable Banking's own webhooks cover payment initiation only, so account data is polled. There is no way around that under PSD2.

Claude Code plugin

The repository is also a Claude Code plugin marketplace. The bank plugin bundles the connector entry and a skill that encodes how to work with the data: an account map, categorisation rules, the monthly review format and when to create watches.

Point it at your server, then install:

export OPENBANK_URL=https://YOUR-HOST/mcp   # put this in your shell profile

/plugin marketplace add noskillish/bankmcp
/plugin install bank@bank

Then /mcp, select bank, Authenticate, and enter your password. No organisation admin is involved; plugins are per user.

The skill lives at plugin/skills/bank/SKILL.md. Copy it into your own skills to fill in the account map and your merchant rules. The server stays generic; your rules stay yours.

Running it on your own machine

The server can also run locally over stdio, with no OAuth, for Claude Code in this directory. The repository ships a .mcp.json for that:

npm install
cp .env.example .env    # EB_APP_ID, EB_PRIVATE_KEY_PATH, ADMIN_PASSWORD
npm run dev             # http server, for the bank redirect

Production applications require an https redirect URL even locally. Create a certificate with mkcert, set TLS_CERT_PATH, TLS_KEY_PATH and BASE_URL=https://localhost:8080, and register https://localhost:8080/callback as a redirect URL.

Local models (experimental)

The server does not care which model asks. npm run chat bridges an Ollama model to the same tools over stdio, so no AI vendor sees a transaction:

ollama pull qwen3:8b
npm run chat -- "what's my balance?"

Measured on a MacBook Air with 24 GB: correct per-account balances, a wrong total, ten minutes per answer. An 8B model is not yet trustworthy with money; a 30B-class model on a machine with a real GPU is where it gets useful. Any MCP client with tool calling (LM Studio, Goose, Jan) can also point at node src/stdio.ts directly. Enable Banking still sits between you and the bank either way; that part is regulated and unavoidable.

Security notes

• The server is a complete OAuth 2.1 authorization server with one user. Discovery, dynamic client registration and PKCE come from the MCP SDK; tokens are stored hashed; five wrong passwords lock an address out for fifteen minutes.

• State is one JSON file in DATA_DIR: consents, account ids, watches (with the ids of transactions that already fired) and OAuth tokens. Balances and transactions are not written to disk. Your assistant keeps the conversation as any chat does, and a watch notification carries the matched transaction to your webhook. Back the file up if you care about not re-consenting; delete it to forget everything.

• Only clients that redirect back to a known MCP client domain (Claude, ChatGPT, Mistral, Cursor, VS Code) or localhost can register (ALLOWED_REDIRECT_HOSTS), which stops a phishing link from routing your sign-in to another site. Using a client not on the list? Add its domain. The sign-in page also names the host you will be sent back to.

• Anyone with the admin password can read your accounts. Use a long one. Every successful sign-in is logged and, if NOTIFY_WEBHOOK_URL is set, sent to you as a message. A sign-in you did not make is your alarm.

• Changing ADMIN_PASSWORD_HASH (or ADMIN_PASSWORD) and restarting logs every client out. That is the kill switch. Revoking the consents at your bank, or deleting the state file, is the step beyond it.

• There are no payment tools. Payments need a licensed PISP and a very different security model, so they are out of scope.

Commands

npm start              # http server (reads env from the environment)
npm run dev            # same, with reload and .env
npm run check          # verify config and the Enable Banking application
npm run hash-password  # produce ADMIN_PASSWORD_HASH
npm run watch -- --force   # run all watches once, print what fired
npm test               # unit tests (node:test)
npm run typecheck

Requires Node 24 or newer (runs TypeScript directly, no build step).

Layout

src/server.ts         Express: /mcp behind OAuth, OAuth endpoints, /callback, status page
src/auth.ts           single-user OAuth provider, password login page
src/mcp.ts            McpServer factory (tools + prompts + instructions)
src/tools.ts          the MCP tools
src/prompts.ts        the MCP prompts
src/watcher.ts        background rule checks and notifications
src/enablebanking.ts  JWT signing and a thin typed API client
src/store.ts          the JSON state file
src/data.ts           shaping balances and transactions for an assistant
src/stdio.ts          local stdio entry point
src/cli.ts            check, hash-password, watch
plugin/               Claude Code plugin with the bank skill

What this is, and is not

BankMCP™ is software, not a service. There is no hosted BankMCP™, no account to sign up for, and nobody but you handles your server, your key or your bank consents. Each person who uses it deploys their own copy and is the sole operator of that copy: they register their own Enable Banking application, accept Enable Banking's terms themselves, and are responsible for their own hosting, password and security.

The authors publish the code and nothing else. They do not run any instance for others, receive no data, and are not affiliated with Enable Banking, Anthropic or any bank. BankMCP™ is not a bank, does not hold money, and gives no financial advice. The software is provided as is, without warranty of any kind, under the MIT licence below.

License

MIT