AI Agent for Monzo MCP
Integrate your Monzo banking data seamlessly using the Monzo MCP Server. Effortlessly access, manage, and analyze your Monzo accounts, pots, and transactions through an AI-powered Claude tool integration. Enjoy secure, real-time insights into your finances, automate routine banking tasks, and streamline your personal or business finance management.
Seamless Monzo Account Access
Connect your Monzo accounts directly to your AI workflows. Instantly retrieve balances, access your pots, move funds, and review all accounts in one unified interface. Benefit from real-time data fetching and comprehensive account visibility, improving your financial decision making and automation capabilities.
- Check Balances Instantly.
- Get real-time balance updates across all your Monzo accounts including personal, joint, flex, prepaid, and rewards.
- Manage Pots Effortlessly.
- View, deposit, or withdraw money from your Monzo pots with simple commands and AI-powered automation.
- Move Funds with Ease.
- Easily transfer money between accounts and pots, helping you stay organized and meet your savings goals.
- Unified Account Overview.
- See all your Monzo accounts and their statuses in one place to streamline your financial management.
Automate Transactions & Insights
Empower your workflows by automating transaction queries, detailed analytics, and transaction annotations. Use AI to categorize and annotate transactions, extract spending patterns, and get actionable insights on your Monzo activity with minimal manual effort.
- Transaction History.
- List and filter transactions by account type, date, or amount for efficient record-keeping and analysis.
- Transaction Details.
- Retrieve and review complete details of individual transactions, including merchant data and metadata.
- Smart Annotations.
- Edit and add notes to transactions for clearer tracking or automate annotations based on spending categories.
Flexible API Setup & Secure Integration
Quickly set up and configure your Monzo MCP server with robust authentication and secure environment variables. Integrate with Claude Desktop in minutes, ensuring your banking data is protected and easily accessible within your AI-driven workflows.
- Secure Credential Management.
- Protect your Monzo API credentials using environment variables for a safe, reliable integration.
- Flexible Installation.
- Supports both automatic CLI installation and manual configuration for Claude Desktop environments.
MCP INTEGRATION
Available Monzo MCP Integration Tools
The following tools are available as part of the Monzo MCP integration:
- balance
Returns the balance, spending today, and currency for a specified account type.
- pots
Returns the list of pots for a specified account type.
- pot_deposit
Deposit money from an account into a specified pot.
- pot_withdraw
Withdraw money from a pot back to a specified account.
- list_transactions
Lists transactions for a selected account, with optional filters for date and limits.
- retrieve_transaction
Retrieves details of a specific transaction by its ID.
- annotate_transaction
Edits or removes metadata such as notes from a transaction.
Unlock Smart Monzo Banking with Claude Integration
Experience seamless access to your Monzo accounts, manage pots, and track transactions—directly from Claude Desktop. Book a demo or start your free trial to see Monzo MCP in action!
What is Monzo
Monzo is a leading UK-based online-only bank that aims to revolutionize personal banking through its intuitive, app-based platform. Founded in London as part of the new wave of challenger banks, Monzo offers a modern banking experience focused on user empowerment, transparency, and real-time financial management. With Monzo, users can manage all their finances from one powerful app, receive instant notifications for every transaction, utilize advanced budgeting tools, and benefit from innovative features like roundups, savings pots, automatic spending categorization, and instant card freezing. Monzo places a strong emphasis on customer support, security, and helping users achieve their financial goals with tools that make saving and spending smarter and more transparent.
Capabilities
What we can do with Monzo
Monzo offers a variety of features and services designed to simplify personal finance management and enhance the banking experience. The platform allows users to track spending in real time, save money effortlessly, and control their finances directly from the mobile app. Whether you need to manage your day-to-day spending, budget for future expenses, or save towards specific goals, Monzo's suite of tools and automation helps users take full control of their finances.
- Instant Spending Notifications
- Get real-time alerts for every transaction to stay on top of your spending.
- Savings Pots
- Create separate pots for different goals and effortlessly save money, including automated roundups.
- Advanced Budgeting
- Categorize expenses, set monthly limits, and track your progress to stick to your budget.
- Card Controls and Security
- Instantly freeze, unfreeze, or reorder your card from the app if it's lost or stolen.
- Fee-Free Spending Abroad
- Use your Monzo card internationally with no hidden fees and competitive exchange rates.
What is Monzo
AI agents can leverage Monzo's comprehensive API and powerful automation features to deliver intelligent financial management solutions for users. By integrating with Monzo, AI agents can provide users with personalized insights, automate budgeting and savings goals, flag unusual transactions for security, and deliver proactive financial advice. The seamless access to real-time banking data enables AI-driven services to optimize financial health, automate repetitive banking tasks, and offer a more tailored and efficient banking experience.