🏦 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

![monzo_mcp_bfdcampos_result](https://github.com/user-attachments/assets/c2305a5a-0dea-4c56-a05a-14ce13a22a74)

🚀 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

Restart Claude Desktop after installation.
Open the app and start a new conversation.
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](https://docs.monzo.com/#balance)

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](https://docs.monzo.com/#pots)

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](https://docs.monzo.com/#deposit-into-a-pot)

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](https://docs.monzo.com/#withdraw-from-a-pot)

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](https://docs.monzo.com/#list-transactions)

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](https://docs.monzo.com/#retrieve-transaction)

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](https://docs.monzo.com/#annotate-transaction)

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](https://docs.monzo.com/#create-feed-item) - [Upload Attachment](https://docs.monzo.com/#upload-attachment) - [Register Attachment](https://docs.monzo.com/#register-attachment) - [Deregister Attachement](https://docs.monzo.com/#deregister-attachment) - [Create Receipt](https://docs.monzo.com/#create-receipt) - [Retrieve Receipt](https://docs.monzo.com/#retrieve-receipt) - [Delete Receipt](https://docs.monzo.com/#delete-receipt) - [Registering a Webhook](https://docs.monzo.com/#registering-a-webhook) - [List Webhooks](https://docs.monzo.com/#list-webhooks) - [Deleting a Webhook](https://docs.monzo.com/#deleting-a-webhook) - [Transaction Created](https://docs.monzo.com/#transaction-created) - [General Payment Initiation for outside your own Monzo Account transfers](https://docs.monzo.com/#payment-initiation-services-api)

❓ FAQ

My Claude Desktop is not detecting the server

- 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.

I've asked Claude about my balance but it's not using the MCP server

- 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`.

How do pot deposits and withdrawals work?

- 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.

What is uv?

- `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](https://github.com/astral-sh/uv).