🏦 Monzo MCP Server

A Model Context Protocol (MCP) server that provides access to your Monzo banking data through a Claude tool.

🪧 Demo

🖼️ Result

🚀 Installation

# Clone the repository
git clone https://github.com/BfdCampos/monzo-mcp-bfdcampos.git
cd monzo-mcp-bfdcampos/monzo-mcp-bfdcampos

# Install dependencies using uv (Python package manager)
uv install

🔑 API Setup

Create a `.env` file in the project directory with your Monzo credentials:

> [!NOTE]

> To get your credentials, follow the instructions in the official Monzo Dev API Docs

MONZO_ACCESS_TOKEN='your_access_token'
MONZO_USER_ID='your_user_id'
MONZO_ACCOUNT_ID='your_default_account_id'

# Add specific account IDs for different account types
MONZO_UK_PREPAID_PERSONAL_ACCOUNT_ID='your_prepaid_account_id'
MONZO_UK_RETAIL_PERSONAL_ACCOUNT_ID='your_personal_account_id'
MONZO_UK_MONZO_FLEX_PERSONAL_ACCOUNT_ID='your_flex_account_id'
MONZO_UK_REWARDS_PERSONAL_ACCOUNT_ID='your_rewards_account_id'
MONZO_UK_RETAIL_JOINT_JOINT_ACCOUNT_ID='your_joint_account_id'

> [!NOTE]

> I recommend getting the account IDs and adding them to your dotenv file to have a smoother experience with the server and reduce the number of API calls. This can also be found in the official Monzo Dev API Docs.

🔧 Setup with Claude Desktop

Method 1: Automatic Installation

Use the MCP CLI tool to install the server automatically:

uv run mcp install main.py

Method 2: Manual Configuration

Add the server to your Claude Desktop configuration file located at `~/Library/Application Support/Claude/claude_desktop_config.json`:

{
  "mcpServers": {
    "Monzo": {
      "command": "/Users/[Your Home Directory]/.local/bin/uv",
      "args": [
        "run",
        "--with",
        "mcp[cli],requests",
        "mcp",
        "run",
        "/path/to/your/monzo-mcp-bfdcampos/monzo-mcp-bfdcampos/main.py"
      ]
    }
  }
}

> Note: Replace `/path/to/your/` with your actual paths.

> Important: Make sure to include `requests` in the `--with` argument as shown above.

🤖 Using with Claude Desktop

1. Restart Claude Desktop after installation.

2. Open the app and start a new conversation.

3. You can now ask Claude about your Monzo accounts:

📊 Available Functions

💷 balance: link to official docs

Returns the balance, spending today, and currency for a specified account type.

Parameters:

• `account_type` (optional): Type of account to check balance for. Options: "default", "personal", "prepaid", "flex", "rewards", "joint"
• `total_balance` (optional): If set to true, returns the total balance for the account. Default is false

Example requests:

What's my current balance?
How much money do I have in my joint account?
What's the balance of my flex account?

🍯 pots: link to official docs

Returns the list of pots for a specified account type.

Parameters:

• `account_type` (optional): Type of account to check pots for. Options: "default", "personal", "prepaid", "flex", "rewards", "joint"

Example requests:

Show me my pots
How many pots do I have?
How much money do I have in my "Savings" pot?

🪙 pot_deposit: link to official docs

Deposit money from an account into a pot.

Parameters:

• `pot_id` (required): The ID of the pot to deposit money into
• `amount` (required): The amount to deposit in pence (e.g., 1000 for £10.00)
• `account_type` (optional): The account to withdraw from. Default is "personal"

Example requests:

Add £25 to my Savings pot
Move £10 from my personal account to my Holiday pot

🏧 pot_withdraw: link to official docs

Withdraw money from a pot back to an account.

Parameters:

• `pot_id` (required): The ID of the pot to withdraw money from
• `amount` (required): The amount to withdraw in pence (e.g., 1000 for £10.00)
• `account_type` (optional): The account to deposit into. Default is "personal"

Example requests:

Take £25 from my Savings pot
Withdraw £10 from my Holiday pot to my personal account

🧾 list_transactions: link to official docs

Lists transactions for a specified account.

Parameters:

• `account_type` (optional): Type of account to list transactions for. Default is "personal"
• `since` (optional): Start date for transactions in ISO 8601 format (e.g., "2025-05-20T00:00:00Z")
• `before` (optional): End date for transactions in ISO 8601 format
• `limit` (optional): Maximum number of transactions to return. Default is 1000

Example requests:

Show me my recent transactions
What transactions do I have from today?
List all transactions from my joint account this month

📖 retrieve_transaction: link to official docs

Retrieves details of a specific transaction.

Parameters:

• `transaction_id` (required): The ID of the transaction to retrieve
• `expand` (optional): Additional data to include in the response. Default is "merchant"

Example requests:

Show me the details of my last transaction
What was the last transaction I made?

📝 annotate_transaction: link to official docs

Edits the metadata of a transaction.

Parameters:

• `transaction_id` (required): The ID of the transaction to annotate
• `metadata_key` (required): The key of the metadata to edit. Default is 'notes'
• `metadata_value` (required): The new value for the metadata key. Empty values will remove the key
• `delete_note` (optional): If set to true, the note will be deleted. Default is false

Example requests:

Add a note to my last transaction saying "Dinner with friends"
Remove the note from my last transaction

📦 Missing Functions from the Monzo MCP present in the Monzo API

• Create feed item
• Upload Attachment
• Register Attachment
• Deregister Attachement
• Create Receipt
• Retrieve Receipt
• Delete Receipt
• Registering a Webhook
• List Webhooks
• Deleting a Webhook
• Transaction Created
• General Payment Initiation for outside your own Monzo Account transfers

❓ FAQ

My Claude Desktop is not detecting the server

• Ensure you have the latest version of Claude Desktop.
• Restart Claude Desktop by force quitting the app and reopening it.
• Make sure your path is correct in the configuration file.
• Use the absolute path to your `uv` installation, e.g., `/Users/[Your Home Directory]/.local/bin/uv` in the command section of the configuration file.
• Verify that the `requests` library is included in the `--with` argument list in your configuration, as this is a common cause of connection issues.

I've asked Claude about my balance but it's not using the MCP server

• LLMs like Claude may not always use the MCP server for every request. Try rephrasing your question, specifically asking Claude to check your Monzo balance using the Monzo MCP tool.
• You can check if there were any errors by looking at the logs in `~/Library/Logs/Claude/mcp-server-Monzo.log`.

How do pot deposits and withdrawals work?

• When you deposit money into a pot or withdraw from a pot, the MCP creates a unique dedupe_id that includes the "triggered_by" parameter.
• This helps identify transactions and prevents accidental duplicate transactions.
• The default "triggered_by" value is "mcp", but you can customise this to track different sources of pot transfers.

What is uv?

• `uv` is a Python package manager and installer that's designed to be much faster than pip.
• It maintains isolated environments for your projects and resolves dependencies efficiently.
• Learn more at github.com/astral-sh/uv.