Monzo MCP server

This is a small helper that connects your AI assistant to your Monzo bank account, so you can ask questions about your money in plain English. It is read-only, which means it can look at your accounts and transactions but can never move money. It is handy if you bank with Monzo in the UK and want quick answers about your spending without opening the app.

What this MCP server does

You ask your AI a question about your Monzo money, like how much you spent on groceries last month. The AI passes that request to this helper. The helper talks to Monzo's banking service and pulls back the numbers it needs. It also keeps a local copy of your transactions in a small database on your computer, so it can search and analyse your history quickly. Then you get a plain answer in the chat.

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What you can do with it

• List your Monzo accounts and their balances
• Show your savings pots and how much is in each
• Search your transactions by merchant, payee, description or notes
• Break down your spending by category
• Find your top merchants for a period
• Compare this month's spending with last month
• See details of bank transfers, including the payee's name and account number

Try asking your AI

• “How much did I spend on eating out last month?”
• “Show me my three biggest merchants this year.”
• “Search my transactions for anything with Tesco in the description.”
• “What is my current balance and how much have I spent today?”

What it gives back to you

You get answers in the chat: lists of accounts or pots, balances, and summaries of your spending. For searches, it shows matching transactions with dates, amounts and merchant names. For spending analysis, it gives category breakdowns and comparisons between months. Everything is read-only, so nothing in your account changes.

Before you start

Who it's for

Monzo customers in the UK who use an AI assistant and want quick, private answers about their spending without digging through the app.