Setup guide
Connect your bank to ChatGPT: balances and transactions over MCP
ChatGPT reaches your accounts through a custom MCP connector in developer mode. It can look at your money, never move it.
Before you start
- 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.
- Connect your bank through its own PSD2 web form. Your banking login stays with your bank.
- Add ChatGPT as an assistant to get a personal MCP address for it.
Add BankingMCP to ChatGPT
ChatGPT
chatgpt.com
Setup steps
- Copy your personal MCP address from BankingMCP.
- In ChatGPT, open Settings → Security and login and turn on Developer mode.
- Open Plugins, click +, name it BankingMCP, paste your MCP address and choose No authentication.
- Start a chat, pick BankingMCP under Developer mode and ask your question.
Developer mode needs ChatGPT Plus, Pro, Business, Enterprise or Edu on the web. In workspaces an admin has to allow custom MCP connectors first.
MCP address
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.
What ChatGPT can do once it's connected
- list_accounts
- Lists your connected accounts with bank, IBAN and balance.
- get_balances
- Totals across all accounts, per currency, plus each account's balance.
- search_transactions
- Finds transactions by account, date range, merchant or purpose, income or spending and amount, with totals.
- list_transactions
- Loads all transactions page by page, optionally per account and date range, so your assistant can sort through them itself, e.g. for rent payments.
- refresh_accounts
- Loads the newest data your banks have delivered before answering.
These tools only read. Nothing can move money, and payments are not part of this connection.
Does your bank work?
Thousands of banks in Germany, Austria and across Europe. Search for yours before you sign up.
Questions about ChatGPT and BankingMCP
- Does ChatGPT see my banking login?
- No. You log in at your bank in its own web form. BankingMCP never receives your PIN or password, and neither does ChatGPT.
- Can ChatGPT move money?
- No. This connection is read-only: listing accounts, balances and transactions. There is no payment tool. Payments are planned as a separate, explicitly approved step.
- What happens if I want to cut off access?
- Each assistant has its own address. Deactivate or remove the one you gave ChatGPT and it stops working immediately, without touching your other assistants.