Monzo Mcp

monzo-mcp

A Model Context Protocol server for the Monzo API.

Exposes Monzo's API to MCP clients (Claude Desktop, etc.) over stdio. Authenticates via OAuth 2.0 (authorization code flow) and persists refresh tokens locally so the server can renew access tokens automatically.

> Personal use only. Monzo state in their docs: "The Monzo Developer API is not suitable for building public applications." Use this for your own account, or with users who have explicitly approved your client.

Features

• OAuth 2.0 authorization-code flow with local callback server and CSRF state check
• Token persistence at ~/.monzo-mcp/tokens.json (mode 0600) with automatic refresh
• Read-only by default; writes gated behind MONZO_MODE=write
• Full API coverage: accounts, balance, pots (deposit/withdraw), transactions (list/get/annotate), feed items, attachments, receipts, webhooks

What can it do?

Reading / viewing (the bulk of it)

• Check the balance of any of your accounts
• List your accounts (you've got 5 — 3 open: personal, joint, Infinity Design Wave business; 2 closed)
• List transactions for an account, including merchant detail and pagination through history
• Look up a single transaction by ID
• List pots on an account

List webhooks registered on an account

• Retrieve receipts and attachments tied to transactions

Writing (limited)

• Move money into or out of a pot (deposit / withdraw) — but only between an account and its own pots, and only if the pot already exists. You currently have no active pots.
• Annotate transactions (add notes/metadata) and create/manage receipts and attachments
• Create a basic feed item in your Monzo app feed
• Register or delete webhooks

What I can't do — and these keep coming up, so worth stating plainly:

• Send money to another account (no transfers/payments — that's why the joint-account and business-account moves weren't possible)
• Create or delete pots
• Anything Monzo's API doesn't expose, which is most account-management actions

Install

Via Claude Desktop Extension (.dxt) — recommended

Download the latest monzo-mcp-vX.Y.Z.dxt from the releases page and double-click to install into Claude Desktop. You'll still need to run the OAuth flow once — see step 3 below.

From source

git clone https://github.com/allistera/monzo-mcp.git && cd monzo-mcp
npm install
npm run build

Setup

1. Register an OAuth client

At create a confidential OAuth client. Only confidential clients receive refresh tokens. Set the redirect URI to:

http://localhost:8765/callback

(You can override this with MONZO_REDIRECT_URI — but it must match exactly on both sides.)

2. Build

npm install
npm run build

3. Run the OAuth flow (once)

MONZO_CLIENT_ID=oauth2client_... \
MONZO_CLIENT_SECRET=mnzconf.... \
node dist/index.js auth

This opens your browser, listens on the redirect URI, exchanges the code, and writes tokens to ~/.monzo-mcp/tokens.json. Then approve the access request in your Monzo app to complete Strong Customer Authentication.

4. Configure your MCP client

For Claude Desktop, add to ~/Library/Application Support/Claude/claude_desktop_config.json:

{
  "mcpServers": {
    "monzo": {
      "command": "node",
      "args": ["/absolute/path/to/monzo-mcp/dist/index.js"],
      "env": { "MONZO_MODE": "read" }
    }
  }
}

Set MONZO_MODE=write to expose mutating tools.

Tools

Read mode (MONZO_MODE=read, default)

| Tool | Description | | ------------------- | ------------------------------------------------------------------ | | whoami | Verify token, return authenticated user | | list_accounts | List accounts (filter by account_type) | | get_balance | Balance for an account | | list_pots | List pots for a current account | | list_transactions | List transactions, with pagination and optional merchant expansion | | get_transaction | Retrieve a single transaction | | list_webhooks | List webhooks for an account | | get_receipt | Retrieve a receipt by external_id |

Write mode (MONZO_MODE=write, also enables all read tools)

| Tool | Description | | ----------------------- | ----------------------------------------- | | annotate_transaction | Add/remove transaction metadata | | pot_deposit | Move funds account → pot | | pot_withdraw | Move funds pot → account | | create_feed_item | Push a basic feed item to the user's feed | | attachment_upload | Get a temporary upload URL | | attachment_register | Attach an uploaded file to a transaction | | attachment_deregister | Remove an attachment | | create_receipt | Create/update a structured receipt | | delete_receipt | Delete a receipt | | register_webhook | Subscribe to transaction.created events | | delete_webhook | Unsubscribe | | logout | Invalidate the current access token |

Environment variables

| Var | Required | Description | | --------------------- | ---------- | -------------------------------------------- | | MONZO_CLIENT_ID | for auth | OAuth client id | | MONZO_CLIENT_SECRET | for auth | OAuth client secret | | MONZO_REDIRECT_URI | no | Defaults to http://localhost:8765/callback | | MONZO_MODE | no | read (default) or write |

Caveats from Monzo's API

• Refresh tokens are only issued to confidential clients. Non-confidential clients re-auth every 6 hours.
• 5 minutes after authentication, transaction history is capped to the last 90 days.
• Pots with "added security" enabled cannot be withdrawn via the API.
• Access tokens are valid for 6 hours; this server refreshes ~60 seconds before expiry and on any 401.

Development

npm run typecheck
npm run lint
npm run format
npm run build

CI runs typecheck, lint, format check, and build on Node 20 & 22.

Repository policies

CI

• .github/workflows/ci.yml — typecheck, ESLint, Prettier check, build, and npm test on Node 20 & 22. Runs on every PR and on push to main.

Security scanning

• CodeQL (.github/workflows/codeql.yml) — JavaScript/TypeScript analysis with the security-and-quality query suite. Runs on every PR, on push to main, and weekly (Mondays 04:23 UTC). Required to merge.
• Secret scanning + push protection — enabled. Commits containing recognised secret patterns are blocked at git push.
• Dependabot vulnerability alerts — enabled.

Dependency updates

• Dependabot security updates — auto-opens a PR the moment a vulnerability is published against a dependency, independent of the schedule below.
• Dependabot version updates (.github/dependabot.yml) — runs weekly, Mondays 08:00 London time:
• npm: minor + patch updates grouped into one PR per group (dev-dependencies, production-dependencies); major bumps come as standalone PRs for manual review.
• github-actions: weekly updates for any pinned actions in the workflows.

Releases

Versioning is automated. We use release-please with Conventional Commits:

• fix: … → patch bump
• feat: … → minor bump
• feat!: … or a BREAKING CHANGE: footer → major bump (while pre-1.0, breaking changes bump the minor)
• docs:, chore:, ci:, refactor:, test:, build: → no version bump

A PR-title check (.github/workflows/pr-title.yml) enforces the format. Since main uses squash-merge, the PR title becomes the commit message.

The release cycle:

1. Merge Conventional-Commit PRs into main.
2. The release-please workflow keeps an open "Release PR" up to date — it bumps the version in package.json, manifest.json, and .release-please-manifest.json, and writes a CHANGELOG.md.
3. Merging the Release PR creates a Git tag and a GitHub release.
4. The publish workflow triggers on release.published and builds the Claude Desktop Extension bundle (.dxt), attaching it to the GitHub release.

Distribution is GitHub-only — no npm registry. Users install via the .dxt artifact or by cloning the repo.

Branch protection

main is protected by a repository ruleset. The author of a change cannot bypass it.

• Pull request required to merge (0 reviewer approvals — solo-friendly; bump if you add collaborators).
• Required status checks (strict — branch must be up to date with main):
• typecheck / lint / build (20)
• typecheck / lint / build (22)
• Analyze javascript-typescript
• Linear history required (no merge commits — use rebase or squash).
• Force pushes blocked, branch deletion blocked.
• Open conversation threads must be resolved before merge.

License

MIT — see [LICENSE](./LICENSE).

Source & license

This open-source MCP server is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: allistera
• Source: allistera/monzo-mcp
• License: MIT

Install and usage instructions live in the source repository linked above.