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
• Spending analysis - category breakdowns, top merchants, month-over-month comparison
• Transaction search - search by merchant, description, or notes across cached history

Tools

Tool	Description	Data source
monzo_list_accounts	List accounts with types and IDs	Live API
monzo_get_balance	Current balance and spend today	Live API
monzo_list_pots	Savings pots and balances	Live API
monzo_sync	Sync transactions to local cache	Live API -> SQLite
monzo_list_transactions	List/filter cached transactions	Local cache
monzo_search_transactions	Search by merchant/description/notes	Local cache
monzo_spending	Spending analysis with category breakdown	Local cache

Prerequisites

• Python 3.13+
• 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 .

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

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).

Configuration

All configuration is via environment variables (optional):

Variable	Default	Description
MONZO_MCP_CONFIG_DIR	<package>/config/	Directory for OAuth credentials and tokens
MONZO_MCP_DB_PATH	<package>/monzo.db	Path to SQLite transaction cache

Credential files (created by monzo-mcp auth):

• config/monzo_client.json - OAuth client ID and secret
• config/monzo_tokens.json - Access and refresh tokens (auto-refreshed)

Monzo SCA window

Monzo's Strong Customer Authentication (SCA) limits transaction history access:

• Within 5 minutes of app approval: up to ~11 months of history
• After the window expires: only the last 90 days

The local SQLite cache preserves all synced transactions permanently, so run monzo_sync promptly after monzo-mcp auth.

Security

• Zero write tools - cannot send money, move funds between pots, or modify transactions
• Monzo API itself cannot send money to external accounts
• Tokens stored as JSON files in the config/ directory (gitignored)
• All API calls are GET requests with Bearer token auth

Contributing

See CONTRIBUTING.md for development setup, the test workflow, and the pre-commit hook. Changes are tracked in CHANGELOG.md.

License

GPL-3.0-or-later. See LICENSE.