This server provides read-only access to your Monzo bank account via 7 tools, with full OAuth support and a local SQLite transaction cache.
List Accounts (monzo_list_accounts): View all Monzo accounts (personal/joint), including IDs and open/closed status.
Check Balance (monzo_get_balance): Get the current balance and today's spend for a personal or joint account.
View Pots (monzo_list_pots): See all savings pots and their balances for a given account type.
Sync Transactions (monzo_sync): Pull transactions, balances, and pot data from the live Monzo API into a local SQLite cache — supports up to ~11 months of history within the SCA window, or 90 days otherwise.
List Transactions (monzo_list_transactions): Browse and filter cached transactions by date range, category, merchant, or account type (auto-syncs if cache is stale).
Search Transactions (monzo_search_transactions): Search cached transactions by merchant name, description, or notes using case-insensitive partial matching.
Spending Analysis (monzo_spending): Analyse spending for a given month with category breakdowns, with an option to drill into individual transactions.
Key characteristics:
🔒 Zero write operations — cannot send money or modify any financial data
🔄 Automatic OAuth token refresh — no manual token management needed
💾 Persistent local cache — SQLite database preserves transaction history beyond Monzo's 90-day API limit
Provides read-only access to Monzo banking data including accounts, balances, savings pots, and transaction history. Enables spending analysis with category breakdowns and merchant analytics, with automatic synchronization to a local cache for persistent access beyond Monzo's 90-day SCA window.
Click on "Install Server".
Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state.
In the chat, type @ followed by the MCP server name and your instructions, e.g., "@monzo-mcp how much did I spend on groceries last month?"
That's it! The server will respond to your query, and you can continue using it as needed.
Here is a step-by-step guide with screenshots.
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.
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
Related MCP server: monarch-mcp
Tool | Description | Data source |
| List accounts with types and IDs | Live API |
| Current balance and spend today | Live API |
| Savings pots and balances | Live API |
| Sync transactions to local cache | Live API -> SQLite |
| List/filter cached transactions | Local cache (auto-syncs if stale) |
| Search by merchant/payee/description/notes | Local cache (auto-syncs if stale) |
| Spending analysis with category breakdown | Local cache (auto-syncs if stale) |
Python 3.13+
uv (recommended) or pip
A Monzo account with an OAuth client registered at developers.monzo.com
git clone https://github.com/partymola/monzo-mcp.git
cd monzo-mcp
uv venv --python 3.13 .venv
uv pip install -e .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
monzo-mcp authThis 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).
claude mcp add -s user monzo -- /path/to/monzo-mcp/.venv/bin/monzo-mcpIn 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).
monzo-mcp Start the MCP server (stdio transport)
monzo-mcp auth Interactive OAuth setup (opens the browser)
monzo-mcp --version Print the installed package versionAll configuration is via environment variables (optional):
Variable | Default | Description |
|
| Directory for OAuth credentials and tokens |
|
| Path to SQLite transaction cache |
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'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). Reaching back more than ~90 days only works inside the SCA window; outside it, only the last 90 days are returned.
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.
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
"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; call monzo_sync (or any cache-reading tool, which auto-syncs) once after authenticating.
See CONTRIBUTING.md for development setup, the test workflow, and the pre-commit hook. Changes are tracked in CHANGELOG.md.
GPL-3.0-or-later. See LICENSE.
Unclaimed servers have limited discoverability.
If you are the server author, to access and configure the admin panel.
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