Banking MCP Server

Unified banking MCP server with 15 tools across 3 backends — Plaid (US/Canada/EU), Mono (Africa), and Open Banking (UK/EU PSD2). Accounts, transactions, balances, payments, identity, and statements.

Architecture

Key Principles

Unified schema — agents see consistent types regardless of backend
Multi-region — Plaid (US/Canada/EU), Mono (NG/KE/GH/ZA), Open Banking (UK/EU)
Financial governance — payment initiation requires approval gates
No credential exposure — tokens stay in env vars
Single binary — no Node.js, no Python

Tools (15)

Category	Tools	Risk
Accounts	`list_accounts`, `get_account`, `get_balances`	read_only
Transactions	`list_transactions`, `get_transaction`, `search_transactions`, `categorize_transaction`, `sync_transactions`	read_only
Identity	`get_identity`	read_only
Institutions	`list_institutions`, `get_institution`	read_only
Payments	`initiate_payment`, `get_payment_status`, `list_payments`	financial_action / read_only
Statements	`get_statement`	read_only

Backends

Backend	Region	Protocol	Auth	Default
Plaid	US, Canada, EU	REST	Client ID + Secret	✅
Mono	Nigeria, Kenya, Ghana, SA	REST	Secret Key	✅
Open Banking	UK, EU (PSD2)	REST (OBP)	OAuth2 Bearer	❌

Installation

cargo install mcp-banking --features all-backends

Feature flags

# Default: Plaid + Mono
cargo install mcp-banking

# All backends
cargo install mcp-banking --features all-backends

# Specific
cargo install mcp-banking --no-default-features --features plaid

Configuration

Plaid

export PLAID_CLIENT_ID="your-client-id"
export PLAID_SECRET="your-secret"
export PLAID_ACCESS_TOKEN="access-sandbox-xxx"
export PLAID_ENV="sandbox"  # sandbox | development | production

Mono (Africa)

export MONO_SECRET_KEY="live_sk_xxx"
export MONO_ACCOUNT_ID="account-id-from-connect"

Open Banking (UK/EU)

export OB_BASE_URL="https://api.yourbank.com/open-banking/v3.1"
export OB_TOKEN="your-oauth-token"

Client Configuration

Claude Desktop / Kiro / Cursor

{
  "mcpServers": {
    "banking": {
      "command": "mcp-banking",
      "args": [],
      "env": {
        "PLAID_CLIENT_ID": "xxx",
        "PLAID_SECRET": "xxx",
        "PLAID_ACCESS_TOKEN": "access-sandbox-xxx",
        "PLAID_ENV": "sandbox"
      }
    }
  }
}

Usage Examples

"Show me all my bank accounts"
→ list_accounts()

"What's my current balance?"
→ get_balances()

"Show transactions from last month"
→ list_transactions(account_id: "acc-1", from: "2026-04-01", to: "2026-04-30")

"Search for Uber transactions"
→ search_transactions(query: "uber")

"Initiate a payment of $500 to vendor"
→ initiate_payment(account_id: "acc-1", amount: 500, currency: "USD", recipient: "vendor-id", reference: "Invoice 123")

"What's the status of my payment?"
→ get_payment_status(id: "payment-id")

"Get my bank statement for Q1"
→ get_statement(account_id: "acc-1", from: "2026-01-01", to: "2026-03-31")

Registry Compliance

HealthCheck — verifies backend connectivity
mcp-server.toml — 15 tools with risk classes and credential bindings
Manifest validation — startup fails fast on invalid manifest
Structured tracing — RUST_LOG env-filter

Contributors

James Karanja Maina

License

Apache-2.0

Part of the ADK-Rust Enterprise MCP server ecosystem.

mcp-banking 1.0.0