monzo-mcp
Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
| MONZO_MCP_DB_PATH | No | Path to SQLite transaction cache (default: <package>/monzo.db) | |
| MONZO_MCP_CONFIG_DIR | No | Directory for OAuth credentials and tokens (default: <package>/config/) |
Capabilities
Features and capabilities supported by this server
| Capability | Details |
|---|---|
| tools | {
"listChanged": false
} |
| prompts | {
"listChanged": false
} |
| resources | {
"subscribe": false,
"listChanged": false
} |
| experimental | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| monzo_list_accountsA | List all Monzo accounts with their types and IDs. Returns account details including whether each is personal or joint, and whether it is open or closed. |
| monzo_get_balanceA | Get current balance for a Monzo account. Args: account_type: "personal" or "joint" (default: "personal") Returns balance, spend today, and currency. Also records a balance snapshot. |
| monzo_list_potsA | List all pots (savings buckets) for a Monzo account. Args: account_type: "personal" or "joint" (default: "personal") Returns pot names and balances. Also records balance snapshots. |
| monzo_syncA | Sync transactions, balances, and pots from the Monzo API into the local cache. Fetches up to 11 months of history (within SCA window) or falls back to the last-synced timestamp / 90 days. Handles pagination and auth-hold deduplication automatically. Args: account_type: "personal", "joint", or None to sync all accounts |
| monzo_list_transactionsA | List transactions from the local cache. Auto-syncs if the cache is stale (last sync before today). Queries the synced transaction database, not the live API. Args: account_type: "personal" or "joint" (default: all) since: Start date in ISO format, e.g. "2026-01-01" (inclusive) before: End date in ISO format, e.g. "2026-02-01" (exclusive) category: Exact category match, e.g. "groceries", "eating_out", "transport" merchant: Merchant name search (case-insensitive, partial match) limit: Max results (default 50) |
| monzo_search_transactionsA | Search cached transactions by merchant name, description, or notes. Auto-syncs if the cache is stale (last sync before today). Case-insensitive partial match across merchant_name, description, and notes fields. Args: query: Search term account_type: "personal" or "joint" (default: all) since: Start date in ISO format (inclusive) before: End date in ISO format (exclusive) limit: Max results (default 30) |
| monzo_spendingA | Analyse spending from cached Monzo transactions. Auto-syncs if the cache is stale (last sync before today). Args: month: Month in YYYY-MM format (default: current month) category: Filter by category, e.g. "groceries", "eating_out", "transport" account_type: "personal" or "joint" (default: all) detail: If true, return individual transactions instead of category summary |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
No prompts | |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
No resources | |
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