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Neobank · Setup guide

Connect Qonto to Codex

This guide gives Codex read-only access to your Qonto account. You sign in to Qonto once in its own web form, add BankingMCP to Codex, and ask about balances and transactions. No app, no code.

BankingMCP€5 a month

Short answer

Yes, Qonto works. It is in the bank directory BankingMCP connects through, via XS2A (PSD2). Your assistant gets your balance and transactions, read-only, for €5 a month after a 7-day free trial. Nothing to install. Codex reads your Qonto accounts through BankingMCP: list accounts, read balances, search transactions. It cannot move money.

Connect Qonto to Codex now →

7 days free, then €5 a month. Cancel anytime.

Guide: connecting Qonto to Codex

Two parts, about five minutes: first you share your Qonto accounts with BankingMCP, then you add BankingMCP to Codex.

Share Qonto with BankingMCP

  1. Create a BankingMCP account and start the 7-day free trial. You add payment details at Stripe, and you pay nothing if you cancel within the trial.
  2. In BankingMCP, search for “Qonto” and sign in to Qonto in its own web form. Your banking credentials never reach us.

Add BankingMCP to Codex

  1. In BankingMCP, add Codex as an assistant and copy its personal MCP address.
  2. Add the entry shown here to ~/.codex/config.toml, or run codex mcp add bankingmcp --url followed by your address.
  3. Start a new Codex session and ask about your accounts.
  4. Ask Codex your first question, for example: “How much is in our Qonto business account right now?”
~/.codex/config.toml
[mcp_servers.bankingmcp]
url = "https://banking-mcp.com/api/mcp/<your-token>"

This address is an example. You get your own after signing up, and it works like a password.

Full Codex guide →

Good to know about Qonto

  • If you share several accounts at Qonto, your assistant sees all of them. You can add more accounts later with one click.
  • Banks ask you to confirm access again after a set period. BankingMCP shows you when the Qonto consent expires; after that you log in once more.
Connect Qonto to Codex now →

7 days free, then €5 a month. Cancel anytime.

Check Qonto

Answered live from the bank directory. If your exact institution shows up here, BankingMCP can connect to it.

Searching…

Is there an official Qonto MCP?

Yes, since June 2026. Qonto runs its own MCP server, which you connect to Claude, ChatGPT and other clients with a Qonto sign-in. If Qonto is your only business account and you only need Qonto's data, that's the obvious route.

BankingMCP is worth it when Qonto sits next to other accounts – a personal account at a Sparkasse or N26, a second business account – and you want one assistant to answer across all of them, for €5 a month in total.

As of November 2026, from Qonto's MCP documentation and the IT Finanzmagazin report of 16 June 2026. Banks change their products; check with the bank for the current state.

Qonto: BIC, bank code and connection

BIC
QNTODEB2XXX
Bank code
10010123
Seat
Berlin
Connection
XS2A (PSD2)
You log in with
Shown in the bank's own web form
Pending transactions
Not available
Standing orders
Not available

From our copy of the bank directory, so it can lag behind a change at the bank. The check above is live.

What Qonto looks like in Codex

You

Has the Müller GmbH invoice for €4,760 arrived in our Qonto account yet?

Codex

search_transactions· Qonto · Müller GmbH

Yes. €4,760.00 arrived from Müller GmbH on 2 October, with invoice number 2026-118 in the reference. That was 9 days after the due date.

Example conversation with fictional names and amounts.

What you can ask Codex about Qonto

  • “How much is in our Qonto business account right now?”
  • “Which customer payments are still missing this month?”
  • “What were our five biggest expenses last quarter?”
  • “Build a 13-week cash forecast from our recurring payments.”

Connecting Qonto through regulated bank access

  • Read-only. Over MCP your assistant only gets read tools: it can list accounts, read balances and search transactions. There is no payment tool in this connection.
  • You log in at Qonto itself. Access runs through finAPI, a PSD2-licensed account information service, and your banking credentials never reach BankingMCP.
  • BankingMCP doesn't keep your balances and transactions; it fetches them for each question your assistant asks. Only account details and an access log, kept for 90 days, are stored.
  • Every assistant gets its own address. Deactivate one and its access to your Qonto account stops immediately.

Questions about Qonto

Do I need BankingMCP if Qonto has its own MCP?
Only if you want more than Qonto. Qonto's MCP shows your assistant your Qonto account. BankingMCP connects Qonto together with your other banks, read-only, in one connector.
Can I use Qonto's MCP and BankingMCP together?
Yes. Each is its own connector in your assistant, and they don't get in each other's way.
What is MCP?
The Model Context Protocol is an open standard that lets AI assistants like Claude or ChatGPT use outside tools. BankingMCP makes your Qonto account available as an MCP server, so your assistant looks up balances and transactions directly instead of you uploading bank statements.
Does BankingMCP support Qonto?
Yes. Qonto is listed in the bank directory with a XS2A (PSD2) interface, which is how BankingMCP connects. The live check on this page confirms your exact institution.
Do I need to install an app to use Qonto with Codex?
No. BankingMCP runs in the browser on any computer or phone. You connect Qonto once, then add one address to Codex.
Does my assistant see my Qonto balance?
Yes, along with your transactions. Your assistant reads the balance when it asks, together with the time Qonto last delivered it.
How up to date are my Qonto transactions?
Your assistant fetches your balance and transactions with every question and gets them as Qonto last delivered them, with a timestamp. If the Qonto consent expires, it only sees the last state until you log in again – and tells you so.
Can I use Qonto together with other banks?
Yes. Connect up to 50 accounts across several banks, personal and business. Your assistant answers across all of them, and the price stays at €5 a month.
Does my assistant see my Qonto login?
No. You log in at Qonto in its own web form. Neither BankingMCP nor your assistant ever receives your PIN, password or TAN.
Do I need programming skills to use Qonto with Codex?
No. You connect Qonto in the browser and add one address to Codex. Every assistant has a step-by-step guide.
Can my assistant transfer money from my Qonto account?
No. The connection is read-only and has no payment tool. Payments are planned as a separate feature, where you approve every transfer in your own banking app.
What happens if I want to cut off access?
Each assistant has its own address. Deactivate or remove the one you gave Codex and it stops working immediately, without touching your other assistants.

Banks related to Qonto

The same connection works for these. Each guide is set up for Codex.

More assistants for Qonto

Same Qonto connection, another assistant. Each guide follows that assistant's own settings.

Use Codex with another bank

Every bank runs on the same plan for €5 a month. Connect several and Codex answers across all your accounts at once.

All banks →

Ready to connect Qonto to Codex?

7 days free, then €5 a month. Cancel anytime.

Connect Qonto to Codex now →