Monzo MCP server

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_sync by 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

Tools

Prerequisites

• Python 3.13+ (tested on 3.13 and 3.14, on Linux, macOS and Windows, in CI)
• uv (recommended) or pip
• A Monzo account with an OAuth client registered at developers.monzo.com

Installation

git clone https://github.com/partymola/monzo-mcp.git
cd monzo-mcp
uv venv --python 3.13 .venv
uv pip install -e .

This package is not on PyPI - the name belongs to an unrelated project. A container image is published instead; see Docker.

Setup

1. Register a Monzo OAuth client

Go to developers.monzo.com and create an OAuth client:

• Set the redirect URL to http://localhost:6600/callback
• Note your Client ID and Client Secret

2. Authenticate

monzo-mcp auth

This opens your browser for Monzo OAuth. After authorizing, approve the login in your Monzo app within 5 minutes for full transaction history access (Monzo's SCA window).

3. Register with Claude Code

claude mcp add -s user monzo -- /path/to/monzo-mcp/.venv/bin/monzo-mcp

On Windows the console script is at .venv\Scripts\monzo-mcp.exe.

4. First sync

In Claude Code, run monzo_sync to populate the local transaction cache. Do this immediately after auth to take advantage of the SCA window (up to 11 months of history).

Docker

Images are published to ghcr.io/partymola/monzo-mcp. Tags carry a v prefix (:vX.Y.Z), and :latest follows the most recent release.

Shortened. The full README is on GitHub.