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
- Spending analysis - category breakdowns, top merchants, month-over-month comparison
- Transaction search - search by merchant, description, or notes across cached history
Tools
| Tool | Description | Data source |
|---|---|---|
monzo_list_accounts |
List accounts with types and IDs | Live API |
monzo_get_balance |
Current balance and spend today | Live API |
monzo_list_pots |
Savings pots and balances | Live API |
monzo_sync |
Sync transactions to local cache | Live API -> SQLite |
monzo_list_transactions |
List/filter cached transactions | Local cache |
monzo_search_transactions |
Search by merchant/description/notes | Local cache |
monzo_spending |
Spending analysis with category breakdown | Local cache |
