Give your AI assistant secure, read-only access to your bank accounts.
🏦 bank-mcp
Give your AI assistant secure, read-only access to your bank accounts.
Most people manage their finances by logging into bank portals, downloading CSVs, and building spreadsheets. bank-mcp eliminates that friction by letting your AI assistant query your bank accounts directly — balances, transactions, spending breakdowns — through natural conversation. It connects to real bank APIs via the Model Context Protocol so any MCP-compatible client (Claude Code, Claude Desktop, and others) can understand your finances.
- 5 providers, 15,000+ institutions — US and European banks covered
- Read-only by design — no write access, no transfers, no modifications
- Works with any MCP client — Claude Code, Claude Desktop, Cursor, and more
- Pluggable architecture — add your own provider in under 100 lines
Supported Providers
| Provider | Region | Institutions | Auth Method | Setup Difficulty |
|---|---|---|---|---|
| Enable Banking | Europe | 2,000+ | RSA key + session | Medium |
| Teller | US | 7,000+ | mTLS certificate | Medium |
| Plaid | US / CA / EU | 12,000+ | Client ID + secret | Easy |
| Tink | Europe | 3,400+ | OAuth2 token | Easy |
| Mock | Demo | — | None | Instant |
US Banks
Supported through Plaid and Teller — covering the top 20 US institutions and thousands more:
JPMorgan Chase · Bank of America · Wells Fargo · Citibank · Capital One · U.S. Bank · PNC · Truist · Goldman Sachs · TD Bank · Citizens · Fifth Third · M&T Bank · Huntington · KeyBank · Ally · Regions · BMO · American Express · USAA
European Banks
Supported through Enable Banking and Tink — covering major banks across the EU and UK:
HSBC · BNP Paribas · Deutsche Bank · ING · Crédit Agricole · Santander · Société Générale · UniCredit · Intesa Sanpaolo · Barclays · Lloyds · BBVA · CaixaBank · Commerzbank · Rabobank · ABN AMRO · Swedbank · Handelsbanken · Nordea · PKO Bank Polski
Quick Start
1. Run the setup wizard
npx @bank-mcp/server init
The interactive wizard walks you through everything — provider selection, credentials, bank authorization, and account verification — all with a polished terminal UI:
┌ bank-mcp — Connect your bank account
│
◇ Choose your banking provider
│ Plaid / Teller / Tink / Enable Banking
│
◇ Environment
│ Sandbox / Development / Production
│
◇ Found 3 account(s) ─────────────────────────╮
│ ****1591 (Bank of America Platinum Card) │
│ ****3588 (Bank of America My Checking) │
│ ****2450 (Bank of America Essential Savings)│
├───────────────────────────────────────────────╯
│
└ Setup complete!
2. Add to your MCP client
At the end of setup, the wizard asks which MCP client you use and shows the exact configuration:
- Claude Code — one command:
claude mcp add bank -- npx @bank-mcp/server - Cursor — add to
.cursor/mcp.json - Windsurf — add to
~/.codeium/windsurf/mcp_config.json - Gemini CLI — add to
~/.gemini/settings.json - Codex CLI — add to
~/.codex/config.json
Using a different tool? See Client Setup for all supported clients including Claude Desktop, VS Code, and Zed.
3. Try it
Ask your AI assistant about your finances in natural language:
"What's my checking account balance?"
"Show my spending by category this month"
"Find all Amazon purchases over $50"
"Compare my spending this month vs last month"
Demo Mode
Don't have bank credentials yet? Start with realistic fake data:
npx @bank-mcp/server --mock
This launches with a mock provid
Tools (3)
get_balancesRetrieve current balances for connected bank accounts.get_transactionsFetch transaction history for a specific account.get_spending_breakdownGet a summary of spending categorized by merchant or type.Environment Variables
PLAID_CLIENT_IDClient ID for Plaid providerPLAID_SECRETSecret key for Plaid providerTELLER_CERTIFICATEmTLS certificate for Teller providerConfiguration
{"mcpServers": {"bank": {"command": "npx", "args": ["-y", "@bank-mcp/server"]}}}