# io.github.partymola/monzo-mcp (oci · ghcr.io/partymola/monzo-mcp:v0.7.0)

Read-only MCP server for the Monzo banking API: OAuth, local transaction cache, spending analysis.

- Trust score: 34/100 (low)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-23

## Components

- oci · `ghcr.io/partymola/monzo-mcp:v0.7.0`: 34/100 (this document), [markdown](https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0.md), [page](https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0)

## Channel facts

- Registry: `oci`
- Package: `ghcr.io/partymola/monzo-mcp:v0.7.0`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-23.

- **Supply Chain Security**: 0/100
  - Malware scan not yet available for this package.
  - Known CVEs could not be checked: this artifact ships no SBOM, so there is no dependency list to read. Publishing one would let us assess it.
  - Install-script risk not yet assessed.
  - Dependency health could not be checked: this artifact ships no SBOM, so there is no dependency list to read. Publishing one would let us assess it.
- **Provenance & Transparency**: 32/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - License check failed: no license is declared.
  - Actively maintained (last published 1 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 77/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 937 tokens (~133/item across 7 items; 7 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 71/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

**Unverified: 2 categories.** Categories scored 0 because we could not verify them: a data source with nothing on this package, evidence we could not reach, or a check we could not run. We only credit what we can confirm.

## Install

### How do I install the io.github.partymola/monzo-mcp server?

io.github.partymola/monzo-mcp runs locally as a container image, launched with docker run --rm -i ghcr.io/partymola/monzo-mcp:v0.7.0. Ready-made configuration for Claude, Cursor, VS Code, Codex and 3 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add partymola-monzo-mcp -- docker run --rm -i ghcr.io/partymola/monzo-mcp:v0.7.0
```

### Cursor

```json
{
  "mcpServers": {
    "partymola-monzo-mcp": {
      "command": "docker",
      "args": [
        "run",
        "--rm",
        "-i",
        "ghcr.io/partymola/monzo-mcp:v0.7.0"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "partymola-monzo-mcp": {
      "command": "docker",
      "args": [
        "run",
        "--rm",
        "-i",
        "ghcr.io/partymola/monzo-mcp:v0.7.0"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add partymola-monzo-mcp -- docker run --rm -i ghcr.io/partymola/monzo-mcp:v0.7.0
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "partymola-monzo-mcp": {
      "type": "local",
      "command": [
        "docker",
        "run",
        "--rm",
        "-i",
        "ghcr.io/partymola/monzo-mcp:v0.7.0"
      ],
      "enabled": true
    }
  }
}
```

### Hermes

```yaml
mcp_servers:
  partymola-monzo-mcp:
    command: "docker"
    args: ["run", "--rm", "-i", "ghcr.io/partymola/monzo-mcp:v0.7.0"]
```

### Netclaw

```json
{
  "McpServers": {
    "partymola-monzo-mcp": {
      "Transport": "stdio",
      "Command": "docker",
      "Arguments": [
        "run",
        "--rm",
        "-i",
        "ghcr.io/partymola/monzo-mcp:v0.7.0"
      ]
    }
  }
}
```

### Other

```json
{
  "mcpServers": {
    "partymola-monzo-mcp": {
      "command": "docker",
      "args": [
        "run",
        "--rm",
        "-i",
        "ghcr.io/partymola/monzo-mcp:v0.7.0"
      ]
    }
  }
}
```

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-21 (score 34)

First indexed and scored.

## MCP tools (7)

### `monzo_list_accounts` (~40 tokens)

List all Monzo accounts with their types and IDs.

Returns account details including whether each is personal or joint,
and whether it is open or closed.

Output parameters:

- `result` (string)

### `monzo_get_balance` (~61 tokens)

Get current balance for a Monzo account.

Args:
    account_type: "personal" or "joint" (default: "personal")

Returns balance, spend today, and currency. Also records a balance snapshot.

Input parameters:

- `account_type` (string)

Output parameters:

- `result` (string)

### `monzo_list_pots` (~71 tokens)

List all pots (savings buckets) for a Monzo account.

Args:
    account_type: "personal" or "joint" (default: "personal")

Returns the account the pots belong to, plus pot names and balances.
Also records balance snapshots.

Input parameters:

- `account_type` (string)

Output parameters:

- `result` (string)

### `monzo_sync` (~162 tokens)

Sync transactions, balances, and pots from the Monzo API into the local cache.

Fetches up to 11 months of history (within SCA window) or falls back to
the last-synced timestamp / 90 days. Handles pagination and auth-hold
deduplication automatically.

Args:
    account_type: "personal", "joint", or None to sync all accounts
    since: Optional ISO date ("2026-01-01") or datetime ("2026-01-01T14:30:00Z")
        to start the backfill from, overriding last-sync resumption. Reaching
        beyond ~90 days only works inside the post-auth SCA window.

Input parameters:

- `account_type`
- `since`

Output parameters:

- `result` (string)

### `monzo_list_transactions` (~254 tokens)

List transactions from the local cache.

Auto-syncs if the cache is stale (last sync before today).

Queries the synced transaction database, not the live API. Bank transfers
(faster payments, p2p, bacs) include a `counterparty` object with the payee
name and, where the scheme provides them, sort code and account number.

Returns `{"account_type": ..., "transactions": [...]}`, where account_type
echoes the filter applied and is null when unfiltered.

Args:
    account_type: "personal" or "joint" (default: all)
    since: Start date in ISO format, e.g. "2026-01-01" (inclusive)
    before: End date in ISO format, e.g. "2026-02-01" (exclusive)
    category: Exact category match, e.g. "groceries", "eating_out", "transport"
    merchant: Merchant name search (case-insensitive, partial match)
    limit: Max results (default 50)

Input parameters:

- `account_type`
- `before`
- `category`
- `limit` (integer)
- `merchant`
- `since`

Output parameters:

- `result` (string)

### `monzo_search_transactions` (~197 tokens)

Search cached transactions by merchant, counterparty (payee), description, or notes.

Auto-syncs if the cache is stale (last sync before today).

Case-insensitive partial match across merchant_name, counterparty_name,
description, and notes fields. Counterparty matching finds bank transfers
(faster payments, p2p, bacs) by payee name.

Returns `{"account_type": ..., "transactions": [...]}`, where account_type
echoes the filter applied and is null when unfiltered.

Args:
    query: Search term
    account_type: "personal" or "joint" (default: all)
    since: Start date in ISO format (inclusive)
    before: End date in ISO format (exclusive)
    limit: Max results (default 30)

Input parameters:

- `account_type`
- `before`
- `limit` (integer)
- `query` (string, required)
- `since`

Output parameters:

- `result` (string)

### `monzo_spending` (~152 tokens)

Analyse spending from cached Monzo transactions.

Auto-syncs if the cache is stale (last sync before today).

Every result carries `account_type`, echoing the filter applied and null
when unfiltered, so a zero total says which account it measured.

Args:
    month: Month in YYYY-MM format (default: current month)
    category: Filter by category, e.g. "groceries", "eating_out", "transport"
    account_type: "personal" or "joint" (default: all)
    detail: If true, return individual transactions instead of category summary

Input parameters:

- `account_type`
- `category`
- `detail` (boolean)
- `month`

Output parameters:

- `result` (string)

## Diagnostics

Captured diagnostic sections: Provenance. The full working is on the page: https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0#diagnostics

## Score history

- 2026-08-23: 34
- 2026-08-22: 34
- 2026-08-21: 34

## Common questions

### What is the io.github.partymola/monzo-mcp server?

io.github.partymola/monzo-mcp is listed in the public MCP registry as io.github.partymola/monzo-mcp. Read-only MCP server for the Monzo banking API: OAuth, local transaction cache, spending analysis. This page covers its container image (ghcr.io/partymola/monzo-mcp:v0.7.0).

### Is the io.github.partymola/monzo-mcp server safe to use?

io.github.partymola/monzo-mcp scores 34 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the io.github.partymola/monzo-mcp server expose?

io.github.partymola/monzo-mcp exposes 7 tools: monzo_list_accounts, monzo_get_balance, monzo_list_pots, monzo_sync, monzo_list_transactions, and 2 more. Their descriptions and schemas cost roughly 937 tokens of context every time the server is loaded.

### Is the io.github.partymola/monzo-mcp server still maintained?

io.github.partymola/monzo-mcp is still listed as active in the MCP registry. We last reached this channel on 23 August 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Repository: https://github.com/partymola/monzo-mcp
- Changelog RSS feed: https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0.xml
- Changelog JSON feed: https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0.json
- HTML version of this page: https://verifymcp.io/servers/partymola-monzo-mcp/ghcr-io-partymola-monzo-mcp-v0-7-0