monzo-mcp
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.
Features
- 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_syncby 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






