# BankMCP™

Self-hosted read-only MCP server connecting personal bank accounts to AI tools via Enable Banking. Lets assistants inspect balances without payment permissions.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 291
- Author: noskillish
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/noskillish/bankmcp
- Updated: 2026-10-22
- HTML: https://affpapa.org/en/nevibecode/mcp/bankmcp

## What it does

BankMCP™ links your coding assistant to bank accounts across 2,700+ European financial institutions via PSD2. It runs either as a local process with npx or as a self-hosted container. The server is strictly read-only, which rules out initiating payments or moving funds.

The architecture routes assistant queries via OAuth to your local server, which contacts Enable Banking using signed JWT tokens. Your server retains authorization keys and consent tokens but avoids saving transaction histories or balances on disk. Local runtime configuration lives inside `~/.bankmcp`, or under `/data` when deployed in a container.

The local setup requires Node 24 or newer, failing immediately on older runtimes. You will also need a free Enable Banking account to issue an application key and generate the initial `.pem` certificate.

## Requirements
- Needs: Node.js (commands run via npx)

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add bankmcp -- npx -y bankmcp
```

### Codex

**Platform CLI**
```bash
codex mcp add bankmcp -- npx -y bankmcp
```

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "bankmcp": {
            "command": "npx",
            "args": [
                "-y",
                "bankmcp"
            ]
        }
    }
}
```

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "bankmcp": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "bankmcp"
            ]
        }
    }
}
```

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add bankmcp npx -y bankmcp
```

## When to use it
- verify whether a client invoice has been paid
- calculate grocery spending for a specific month
- inspect balances across multiple linked banking accounts
- monitor accounts for balances dropping below 5,000

## Example prompts
- Has the invoice from Acme been paid yet?
- What did we spend on groceries last month?
- List all ongoing subscriptions and calculate what they cost per year

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