🏦 bank-mcp

<p align="center"> <img src="bank-mcp.png" alt="bank-mcp — Banking data for AI assistants" width="700"> </p>

Give your AI assistant secure, read-only access to your bank accounts.

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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

Table of Contents

• Supported Providers
• Quick Start
• Client Setup
• Available Tools
• Screenshots
• Architecture
• Provider Setup Guides
• Caching
• Multiple Connections
• Security
• Adding a New Provider
• Troubleshooting
• Development
• Contributing
• License

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 provider that generates deterministic sample accounts and transactions — perfect for testing your setup or building on top of bank-mcp before connecting real accounts.

Client Setup

bank-mcp works with any MCP-compatible client. Pick your tool below.

Claude Code

Add to .mcp.json in your project root (or ~/.claude/.mcp.json for all projects):

{
  "mcpServers": {
    "bank": {
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

Or add via the CLI:

claude mcp add bank -- npx @bank-mcp/server

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "bank": {
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

Config file location:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json

Cursor

Add to .cursor/mcp.json in your project root (or ~/.cursor/mcp.json globally):

{
  "mcpServers": {
    "bank": {
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

VS Code (Copilot)

Add to .vscode/mcp.json in your workspace:

{
  "servers": {
    "bank": {
      "type": "stdio",
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

Windsurf

Add to ~/.codeium/windsurf/mcp_config.json:

{
  "mcpServers": {
    "bank": {
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

OpenAI Codex CLI

Add to ~/.codex/config.toml (or .codex/config.toml in your project):

[mcp_servers.bank]
command = "npx"
args = ["@bank-mcp/server"]

Or add via the CLI:

codex mcp add bank -- npx @bank-mcp/server

Gemini CLI

Add to ~/.gemini/settings.json (or .gemini/settings.json in your project):

{
  "mcpServers": {
    "bank": {
      "command": "npx",
      "args": ["@bank-mcp/server"]
    }
  }
}

Zed

Add to your Zed settings.json:

{
  "context_servers": {
    "bank": {
      "command": {
        "path": "npx",
        "args": ["@bank-mcp/server"]
      }
    }
  }
}

Don't see your tool? bank-mcp uses standard MCP stdio transport. Any client that supports MCP stdio servers can connect using npx @bank-mcp/server as the command.

Available Tools

| Tool | Description | Key Parameters | |------|-------------|----------------| | list_accounts | List all bank accounts across connections | connectionId? | | list_transactions | Fetch transactions with filtering | accountId, from?, to?, minAmount?, maxAmount? | | search_transactions | Full-text search on descriptions and merchants | query, accountId?, from?, to? | | get_balance | Current and available balances | accountId, connectionId? | | spending_summary | Expenses grouped by merchant or category | accountId, from?, to?, groupBy? |

Screenshots

All examples below use Claude Code with the mock provider (npx @bank-mcp/server --mock).

Listing accounts — "List my bank accounts"

Checking balances — "What's my current balance?"

Transaction history — "Show my transactions from the last 15 days"

Searching transactions — "Find all Starbucks purchases in last 2 weeks"

Spending by category — "Show my spending by category this month"

<details> <summary><strong>More examples</strong> (merchant analysis, subscriptions, grocery comparison, financial overview)</summary> <br>

Top merchants — "Which merchants am I spending the most at?"

Subscription tracking — "Show my recurring subscriptions"

Grocery comparison — "Compare Trader Joe's vs Whole Foods spending"

Full financial picture — "Give me my full February financial picture"

</details>

Architecture

<p align="center"> <img src="architecture.png" alt="bank-mcp architecture diagram" width="700"> </p>

File Structure

~/.bank-mcp/
  config.json          # Connections & credentials (permissions: 600)
  keys/                # RSA keys and certificates

src/
  providers/
    base.ts            # Abstract BankProvider class
    registry.ts        # Provider registration
    enable-banking/    # PSD2 via Enable Banking API
    teller/            # US banks via mTLS
    plaid/             # US/CA/EU via Plaid API
    tink/