BankingMCP MCP ServerVerifiedFeatured

Read-only access to your bank accounts for Claude, ChatGPT, Cursor and any other MCP client. Connect your bank once, then ask your assistant about balances, spending, subscriptions and incoming payments in plain language.

• Website: https://banking-mcp.com
• MCP endpoint: https://banking-mcp.com/api/mcp (Streamable HTTP, OAuth 2.1 sign-in)
• Official MCP Registry: com.banking-mcp/banking
• Pricing: €5/month incl. VAT, 7-day free trial, cancel anytime
• Provider: Escher Consulting GmbH, Dortmund, Germany

What it does

Most banks don't offer an MCP server, and none of the big German banks do: no Sparkasse, Volksbank, Deutsche Bank, Commerzbank, ING, DKB or N26. BankingMCP fills that gap. It connects your accounts through the regulated PSD2 access and gives your AI assistant one MCP address for all of your banks.

• Works with your bank. It covers every Sparkasse, every Volksbank and Raiffeisenbank, and the major German direct banks and neobanks. You can check yours at https://banking-mcp.com/en/banks.
• Multi-bank. Personal and business accounts at different banks, up to 50 accounts per subscription, all behind a single connection.
• Read-only by design. There is no payment or transfer tool.
• Nothing to install. It's a hosted remote server, and you sign in with OAuth.

Tools

Tool	What it does
list_accounts	Lists connected accounts with bank, IBAN, balance and the time of the last sync
get_balances	Total balance across all accounts, per currency, plus each account's balance
search_transactions	Searches transactions by account, date range, text, income or spending, and amount range, and returns totals for all matches
list_transactions	Pages through the full transaction history, optionally for one account and a date range
refresh_accounts	Reloads the account list and each bank's connection status

All tools except refresh_accounts are annotated readOnlyHint: true. refresh_accounts only reloads data and is idempotent.

Example prompts

• "How much money do I have across all my accounts?"
• "List every recurring payment from the last 12 months with its yearly cost."
• "What did I spend in October, grouped by category, compared with the last three months?"
• "Have all three tenants paid their November rent?"
• "Which of my September invoices haven't been paid into the business account yet?"

Setup

1. Sign up at https://banking-mcp.com/signup.
2. Connect your bank. You sign in on the form of finAPI, a BaFin-supervised account information service, and approve access in your TAN app.
3. Add the server to your assistant.

Claude Code

claude mcp add --transport http --scope user bankingmcp https://banking-mcp.com/api/mcp

Any MCP client that supports remote servers with OAuth

{
  "mcpServers": {
    "bankingmcp": {
      "type": "http",
      "url": "https://banking-mcp.com/api/mcp"
    }
  }
}

In Claude (web and desktop), add a custom connector with the same URL and sign in with your BankingMCP account. Step-by-step guides for Claude, ChatGPT, Mistral, Cursor, Codex, VS Code, Windsurf, Gemini CLI and others are at https://banking-mcp.com/en/setup.

Security & privacy

• Your bank login stays with your bank. Credentials are entered on finAPI's form only. BankingMCP never sees or stores them.
• Regulated access. Bank connectivity runs over PSD2 through finAPI, a licensed account information service.
• No stored financial data. Balances and transactions are fetched for each request and not stored permanently. BankingMCP keeps only account master data and a 90-day access log.
• Separate access per assistant. Each assistant gets its own authorization, and you can revoke it from the dashboard with immediate effect.
• No data selling, no advertising.

Privacy policy: https://banking-mcp.com/en/privacy · Terms: https://banking-mcp.com/en/terms

Tags

finance banking open-banking psd2 personal-finance accounting germany read-only remote oauth