Open Banking (open-banking.io) MCP server

open-banking.io MCP server

A thin, read-only Model Context Protocol server for the open-banking.io PSD2 API. It lets AI agents (Claude Desktop, Cursor, any MCP client) answer questions like “What's my balance?” and “Summarise last month's transactions” over your own bank accounts.

It wraps the official open-banking-io Python SDK and inherits its zero-knowledge property: the service only ever returns ciphertext, and every sensitive field (IBAN, owner name, amounts, counterparties) is decrypted in-process with your exported private key. No plaintext ever touches a third party — including the LLM only sees what your MCP client sends it.

Tools

All tools are read-only. There are intentionally no sync, payment-initiation or consent-management tools — see Limitations.

Configuration

Export credentials in the app → Settings → Credentials to get the bundle file.

Claude Desktop

claudedesktopconfig.json (Claude → Settings → Developer → Edit Config):

{
  "mcpServers": {
    "open-banking-io": {
      "command": "uvx",
      "args": [
        "--from", "git+https://github.com/open-banking-io/mcp-server.git",
        "obi-mcp"
      ],
      "env": {
        "OBI_CREDENTIALS": "/absolute/path/to/credentials.json"
      }
    }
  }
}

Cursor

.cursor/mcp.json:

{
  "mcpServers": {
    "open-banking-io": {
      "command": "uvx",
      "args": [
        "--from", "git+https://github.com/open-banking-io/mcp-server.git",
        "obi-mcp"
      ],
      "env": {
        "OBI_CREDENTIALS": "/absolute/path/to/credentials.json"
      }
    }
  }
}

Requires uv (curl -LsSf https://astral.sh/uv/install.sh | sh). Once published to PyPI the --from git+… argument can be dropped.

Run locally / from source

git clone https://github.com/open-banking-io/mcp-server.git
cd mcp-server
uv venv && uv pip install -e '.[dev]' --python .venv/bin/python
OBI_CREDENTIALS=/path/to/credentials.json .venv/bin/obi-mcp   # speaks MCP over stdio
.venv/bin/python tests/smoke.py                               # network-free smoke test
uv run --python .venv/bin/python pytest -q                    # full test suite

Example questions for your agent

• “Show the booked balance of every account.”
• “How much did I spend on groceries in July?” (get_transactions + grouping)
• “Which of my bank connections expire soon?” (list_connections)

Design notes

Shortened. The full README is on GitHub.