BankMCP™
Your AI now reads your bank. Ask it anything about your accounts. Read-only, self-hosted, one user. Standard MCP; tested with Claude and Ollama.
BankMCP™ is not a bank. It is a small open-source server you host yourself
(npm package bankmcp). It connects to your banks
through Enable Banking, which wraps 2,700+
European banks in one PSD2 API, and exposes them to any MCP client as a
connector. Read-only, no payments, no third party holding your data.
"Has the invoice from Acme been paid?" · "What did we spend on groceries in
August?" · "Which subscriptions am I paying for, and what do they cost per
year?" · "Tell me when my balance drops below 5,000."
How it works
Your assistant ──OAuth──▶ your BankMCP™ server ──JWT──▶ Enable Banking ──PSD2──▶ your bank
- Your assistant (Claude, ChatGPT, Cursor, or any MCP client) talks to
your server as a connector. You sign in once with a password; tokens handle
the rest.
- Your server holds the Enable Banking application key, the bank consents
and your account ids. It does not store balances or transactions and sends no
telemetry.
- Enable Banking is the licensed provider between your server and your
bank. Every balance and transaction you ask for passes through their
servers on the way to yours; they do not store it, and they do not see your
bank credentials, since you log in at your bank's own site. This hop is how
PSD2 works and is the one part of the chain that is not on your machine.
Setup
Two ways to run it. Both need a free Enable Banking account and about ten
minutes.
- On your own machine for Claude Desktop, Claude Code, Cursor and other
desktop MCP clients. Nothing to deploy, no password.
- On a small server when you want it in claude.ai or on your phone.
On your own machine
The server and its state live on your computer, and no AI vendor or app
maker sees your data. The bank connection is not on your computer: it goes
through Enable Banking, as described above.
Requires Node 24 or newer. Add BankMCP™ to your client:
Claude Code:
claude mcp add bankmcp -- npx -y bankmcp
Claude Desktop: download
bankmcp.mcpb
and open it; Claude Desktop installs it as an extension. Or add it by hand in
claude_desktop_config.json:
{ "mcpServers": { "bankmcp": { "command": "npx", "args": ["-y", "bankmcp"] } } }
Cursor and others: the same command, npx -y bankmcp, as a stdio server.
Then ask your assistant anything about your bank. It will answer with a
localhost address. Open it: the setup page lists the values to register an
application at Enable Banking, then takes the application id and the key file.
Your browser will warn once about the certificate on localhost, which the
server made for itself because Enable Banking requires https for the bank
redirect. Continue past it. Say "connect my bank" and log in at your bank.
To avoid the warning altogether, use a certificate your browser already
trusts: mkcert makes one with
mkcert localhost 127.0.0.1; point TLS_CERT_PATH and TLS_KEY_PATH at the
two files and the server uses them instead of generating its own. BankMCP™
itself does not touch your system's trust store.
State lives in ~/.bankmcp. Delete the folder to forget everything.
On a server
1. Deploy
Any container host works. The server needs a persistent volume at /data
and a public https address; it asks you for everything else in the browser.
Railway: New Project, Deploy from GitHub repo, pick this repo. Add a
volume mounted at /data and generate a domain (Settings, Networking, port
8080). The Dockerfile and railway.json are picked up
automatically, and the server learns its own address from Railway.
Docker Compose on your own box: docker compose up -d, then put a TLS
terminator in front (Caddy needs two lines:
YOUR-HOST { reverse_proxy localhost:8080 }) and set BASE_URL to the
public address. Fly.io works like Railway: volume at /data, the app name
gives the address.
Open the address. A fresh server shows a setup page.
2. Register an Enable Banking application
The setup page lists the exact values Enable Banking's form asks for: the
redirect URL, a description for the consent screen, and the privacy and
terms URLs, all pointing at your server. At
https://enablebanking.com/cp/applications create an application with them:
- Environment: Production for your real accounts, Sandbox for test
data (see Going live below for the production rules).
- Keep "generate private key" selected. A
.pem file downloads once when you
save; that is the key. The application id (a UUID) is shown after saving.
3. Finish setup
Back on the setup page: paste the application id, choose the .pem file, pick
a password of twelve characters or more. Everything is stored on the volume,
and the page turns into a status page showing the connector URL for your
assistant.
Prefer configuration by environment? Set these and the setup page does not
appears:
| Variable |
Value |
EB_APP_ID |
the application id |
EB_PRIVATE_KEY |
the .pem contents, base64: base64 -i app.pem | tr -d '\n' |
ADMIN_PASSWORD_HASH |
output of npm run hash-password (or set ADMIN_PASSWORD) |
BASE_URL |
https://YOUR-HOST (Railway and Fly set this for you) |
DEFAULT_COUNTRY |
your country code, e.g. DK |
APP_NAME |
optional, the name shown on the sign-in and status pages (default BankMCP™) |
Optional: NOTIFY_WEBHOOK_URL for watch notifications and sign-in alerts (a
Slack incoming webhook works). Full list in .env.example.
npm run check verifies a configuration from a terminal.
4. Add the connector in your assistant
In claude.ai (or the desktop app): Settings → Connectors → Add custom
connector. Name it BankMCP™, paste https://YOUR-HOST/mcp, save, then click
Connect. Your server shows a password page; enter the admin password. That
is the only login you will do.
In Claude Code:
claude mcp add --transport http bank https://YOUR-HOST/mcp
then run /mcp inside Claude Code to sign in.
Other MCP clients (ChatGPT, Mistral Le Chat, Cursor, VS Code) work the same
way: add the URL as a remote MCP server, sign in with the password. Tested
with Claude, Claude Code and Ollama; the others follow the same standard.
A client whose domain is not in ALLOWED_REDIRECT_HOSTS needs adding there.
5. Connect your bank
In your assistant, say "connect my bank" (or use the connect-bank prompt). It
looks up your bank, gives you a link, you log in at the bank and approve, and
the accounts appear. Consents last up to 180 days; you are told when one
is about to expire and the same conversation renews it.
Give accounts labels ("Everyday", "Joint expenses", "Mortgage") when it
suggests them. Every tool accepts labels instead of ids.
Going live with your own accounts
Enable Banking's production environment normally requires a contract, but it
has a restricted mode for accessing your own accounts, explicitly allowed
for individual non-commercial use. After registering a Production application:
- On the (Inactive) application click Activate by linking accounts.
- Log in at your bank and approve. Repeat for each bank you want.
- The application becomes active and the API returns only the accounts you
linked this way.
Read the Restriction of Use section of Enable Banking's
Terms of Service before you
rely on it: restricted mode is for your own accounts, not for offering a
service to others. This project does not change those terms.
What you get
Tools (all read-only):
| Tool |
What it does |
list_banks, start_consent, consent_status, disconnect_bank |
connect and manage banks |
list_accounts, set_account_label |
accounts with booked balances; your own names for them |
get_balances |
booked and available balance for one account |
get_transactions |
signed amounts, one counterparty, one description; paginated |
create_watch, list_watches, delete_watch, check_watches |
background rules with webhook notifications |
Prompts: connect-bank, monthly-summary, build-budget,
savings-scan, subscription-audit, unusual-transactions.
Watches run on the server. Rules: balance below or above an amount, a
single debit over an amount, an incoming or outgoing payment matching a name,
and "tell me if this payment has not arrived by this date". Accounts are
checked at most four times a day, the PSD2 limit for unattended access.
Notifications go to NOTIFY_WEBHOOK_URL as a Slack message or a JSON POST.
Enable Banking's own webhooks cover payment initiation only, so account data
is polled. There is no way around that under PSD2.
Claude Code plugin
The repository is also a Claude Code plugin marketplace. The bank plugin
brings three skills: /bank:setup walks you through installing BankMCP™ on
your machine, /bank:deploy through hosting it, and bank encodes how to work
with the data: an account map, categorisation rules, the monthly review format
and when to create watches.
Point it at your server, then install:
export OPENBANK_URL=https://YOUR-HOST/mcp # put this in your shell profile
/plugin marketplace add noskillish/bankmcp
/plugin install bank@bank
Then /mcp, select bank, Authenticate, and enter your password. No
organisation admin is involved; plugins are per user.
The skill lives at plugin/skills/bank/SKILL.md.
Copy it into your own skills to fill in the account map and your merchant
rules. The server stays generic; your rules stay yours.
Local models (experimental)
The server does not care which model asks. npm run chat bridges an
Ollama model to the same tools over stdio, so no AI
vendor sees a transaction:
ollama pull qwen3:8b
npm run chat -- "what's my balance?"
Measured on a MacBook Air with 24 GB: correct per-account balances, a wrong
total, ten minutes per answer. An 8B model is not yet trustworthy with money;
a 30B-class model on a machine with a real GPU is where it gets useful. Any
MCP client with tool calling (LM Studio, Goose, Jan) can also point at
node src/stdio.ts directly. Enable Banking still sits between you and the
bank either way; that part is regulated and unavoidable.
Security notes
- The server is a complete OAuth 2.1 authorization server with one user.
Discovery, dynamic client registration and PKCE come from the MCP SDK;
tokens are stored hashed; five wrong passwords lock an address out for
fifteen minutes.
- State is one JSON file in
DATA_DIR: consents, account ids, watches (with
the ids of transactions that already fired) and OAuth tokens. Balances and
transactions are not written to disk. Your assistant keeps the
conversation as any chat does, and a watch notification carries the matched
transaction to your webhook. Back the file up if you care about not
re-consenting; delete it to forget everything.
- Only clients that redirect back to a known MCP client domain (Claude,
ChatGPT, Mistral, Cursor, VS Code) or localhost can register
(
ALLOWED_REDIRECT_HOSTS), which stops a phishing link from routing your sign-in to
another site. Using a client not on the list? Add its domain. The sign-in page also names the host you will
be sent back to.
- Anyone with the admin password can read your accounts. Use a long one.
Every successful sign-in is logged and, if
NOTIFY_WEBHOOK_URL is set,
sent to you as a message. A sign-in you did not make is your alarm.
- Changing
ADMIN_PASSWORD_HASH (or ADMIN_PASSWORD) and restarting logs
every client out. That is the kill switch. Revoking the consents at your
bank, or deleting the state file, is the step beyond it.
- There are no payment tools. Payments need a licensed PISP and a very
different security model, so they are out of scope.
Commands
npm start # http server (reads env from the environment)
npm run dev # same, with reload and .env
npm run check # verify config and the Enable Banking application
npm run hash-password # produce ADMIN_PASSWORD_HASH
npm run watch -- --force # run all watches once, print what fired
npm test # unit tests (node:test)
npm run typecheck
sh scripts/build-mcpb.sh # Claude Desktop bundle → dist/bankmcp.mcpb
Requires Node 24 or newer (runs TypeScript directly, no build step).
Layout
src/stdio.ts entry point for npx bankmcp: stdio server plus the localhost https side
src/server.ts entry point for a hosted deployment: OAuth, /mcp, callback, status page
src/app.ts the Express app shared by both entry points
src/local.ts localhost https server and self-signed certificate for local mode
src/mcp.ts McpServer factory (tools, prompts, instructions)
src/tools.ts the MCP tools
src/prompts.ts the MCP prompts
src/watcher.ts background rule checks and notifications
src/auth.ts single-user OAuth provider
src/setup.ts first-run setup: validates and stores id, key and password
src/pages.ts the HTML pages: setup, sign-in, connected, status, privacy, terms
src/config.ts environment and data-directory configuration
src/enablebanking.ts JWT signing and a thin typed API client
src/store.ts the JSON state file
src/data.ts shaping balances and transactions for an assistant
src/cli.ts check, hash-password, watch
bin/bankmcp.js the npx entry; dispatches to stdio or cli
scripts/ build-mcpb.sh (Claude Desktop bundle), local-chat.ts (Ollama bridge)
plugin/ Claude Code plugin: setup and deploy skills, bank skill
docs/ landing page (GitHub Pages, bankmcp.dk)
What this is, and is not
BankMCP™ is software, not a service. There is no hosted BankMCP™, no account to sign
up for, and nobody but you handles your server, your key or your bank
consents. Each person who uses it deploys their own copy and is the sole
operator of that copy: they register their own Enable Banking application,
accept Enable Banking's terms themselves, and are responsible for their own
hosting, password and security.
The authors publish the code and nothing else. They do not run any instance
for others, receive no data, and are not affiliated with Enable Banking,
Anthropic or any bank. BankMCP™ is not a bank, does not hold money, and gives no
financial advice.
Use at your own risk. If you deploy it, you own that deployment and its
security. The software is provided as is, without warranty of any kind, and
the authors accept no liability for how it is used or for any loss that
follows. MIT licence below.
License
MIT
BankMCP 是一个自托管、只读的 MCP 服务器，让你的 AI 助手（Claude、ChatGPT、Cursor 等）通过 Enable Banking PSD2 API 查询你自己的银行账户，该 API 覆盖 2,700 多家欧洲银行。