Monzo

What is Monzo MCP Server?

Monzo MCP Server is a Model Context Protocol (MCP) server that allows users to access and manage their Monzo bank accounts using natural language through a Claude tool. It enables functionalities like checking balances, managing pots, listing transactions, and annotating transactions across various account types (personal, joint, flex).

How to use Monzo MCP Server?

To use the Monzo MCP Server, you need to:

1. Clone the repository: git clone https://github.com/BfdCampos/monzo-mcp-bfdcampos.git
2. Install dependencies: Navigate to the project directory and run uv install.
3. Set up API credentials: Create a .env file with your Monzo access token, user ID, and account IDs. Refer to the official Monzo Dev API Docs for instructions on obtaining these credentials.
4. Set up with Claude Desktop:
   • Automatic Installation: Use the MCP CLI tool: uv run mcp install main.py.
   • Manual Configuration: Add the server to your claude_desktop_config.json file, specifying the command and arguments, ensuring to include requests in the --with argument.
5. Restart Claude Desktop: After installation, restart Claude Desktop.
6. Start a new conversation: You can then interact with Claude to manage your Monzo accounts.

Key Features of Monzo MCP Server

• Balance Checking: Retrieve current balance, spending today, and currency for specified account types.
• Pot Management: List pots, deposit money into pots, and withdraw money from pots.
• Transaction Listing: List transactions for a specified account within a given date range and limit.
• Transaction Retrieval: Retrieve details of a specific transaction.
• Transaction Annotation: Edit metadata of a transaction, such as adding or removing notes.
• Support for Multiple Account Types: Works with personal, joint, prepaid, flex, and rewards accounts.
• Natural Language Interaction: Manage your Monzo accounts using conversational commands through Claude.

Use Cases of Monzo MCP Server

• Quick Balance Inquiries: "What's my current balance?" or "How much money do I have in my joint account?"
• Efficient Pot Transfers: "Move £50 from my personal account to my Savings pot" or "Take £25 from my Savings pot."
• Transaction Review: "Show me my transactions from today" or "List all transactions from my joint account this month."
• Transaction Details: "Show me the details of my last transaction."
• Adding Notes to Transactions: "Add a note to my last transaction saying 'Dinner with friends'."

FAQ from Monzo MCP Server

• My Claude Desktop is not detecting the server: Ensure you have the latest Claude Desktop, restart the app, verify the path in the configuration file, use the absolute path to uv, and confirm requests is included in the --with argument.
• I've asked Claude about my balance but it's not using the MCP server: LLMs may not always use the MCP server. Try rephrasing your question to specifically ask Claude to use the Monzo MCP tool. Check logs in ~/Library/Logs/Claude/mcp-server-Monzo.log for errors.
• How do pot deposits and withdrawals work? When depositing or withdrawing, the MCP creates a unique dedupe_id that includes the "triggered_by" parameter, which helps identify transactions and prevent duplicates. The default "triggered_by" value is "mcp" but can be customized.
• What is uv? uv is a fast Python package manager and installer that creates isolated environments and efficiently resolves dependencies.

🏦 Monzo MCP Server

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

🪧 Demo

https://github.com/user-attachments/assets/ca3f9558-bc4b-460f-8658-99674f9c16b7

🖼️ 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:
   • "What's my current balance?"
   • "How much money do I have in my joint account?"
   • "Show me all my Monzo accounts"
   • "Move £50 from my personal account to my Savings pot"
   • "Show me my transactions from today"

📊 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

• 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.

• 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.

• 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.

• 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.