MCP for NZ financial APIs

Ask useful questions about your own NZ financial data.

Connect your banking data to AI tools with this MCP. Ask questions, get summaries, and prototype dashboards from your own accounts, balances, and transactions.

Set up MCP access Browse prompt ideas
NZ

Read-only dashboard preview

Personal finance dashboard

Use account balances, settled transactions, and summaries.

7d30d3m

Cashflow snapshot

$4,280

demo data
Mon
Tue
Wed
Thu
Fri
Sat
Sun

Linked accounts

3

Recent transactions

248

Prompt example

Build a dashboard from my last 30 days of settled transactions.

Spending by category

Groceries72%
Utilities58%
Transport44%
Subscriptions31%

Spending insight

Groceries are the largest category. Regular bills look stable, and the current buffer is above the 30-day average.

MCP clients

Use it where your AI work happens.

Add the same NZ financial API connection to MCP-capable assistants, editors, and agent tools.

ClaudeDesktop, Code, web
ChatGPTApps and custom MCP
CursorAgent MCP tools
CodexCLI and IDE extension
VS CodeCopilot agent mode
WindsurfCascade MCP tools
More clientsAny compatible MCP app
Prompt ideas

Ask the way you already think about money.

Use short, normal messages for everyday checks. When you want something bigger, ask your AI client to turn the same account and transaction context into a dashboard you can inspect.

Everyday needs

Simple messages

Start with the kind of question you would ask someone who already knows your accounts.

  • Prompt 1

    "How much did I spend on groceries, transport, and takeaways this month?"

  • Prompt 2

    "Am I paying for subscriptions I don't need?"

  • Prompt 3

    "What changed in my spending since my last pay?"

  • Prompt 4

    "Which transactions should I check before I update my budget?"

Dashboard requests

A little more structured

When you want a bigger output, ask for a dashboard and name the money views you care about.

  • Prompt 1

    "Build me a dashboard of my financial life: balances, income, spending, subscriptions, and cashflow."

  • Prompt 2

    "Group my transactions by month, merchant, category, and account, then suggest the charts to show."

  • Prompt 3

    "Create dashboard cards for income, spending, bills, subscriptions, and recent transactions."

  • Prompt 4

    "Return a dashboard plan with the MCP calls, data shapes, filters, and chart-ready summaries."

Free MVP

Keep the connector available for builders.

OpenBank NZ MCP is free for personal use, experiments, and MVPs. Donations from revenue-generating projects help cover hosting, monitoring, the domain, and ongoing maintenance.

Buy Me a Coffee

Keep the endpoint online

Contributions cover required costs like hosting, monitoring, and the domain.

Keep maintenance moving

Support makes it easier to keep dependencies current and respond to provider or MCP changes.

Setup

Connect your MCP client to Akahu.

OpenBank NZ MCP does not create or exchange credentials. You create Akahu tokens, connect your own bank account, and pass those values as private environment variables to the MCP server.

Create Akahu personal app Read publishing review

Set up private access

  1. 1Create or sign in to an Akahu account at my.akahu.nz.
  2. 2Connect your NZ bank account and approve only the access scopes your setup needs.
  3. 3Create a Personal App in Akahu Developers for testing with your own accounts.
  4. 4Copy the App Token and User Token from Akahu.
  5. 5Add the tokens to your MCP client's private environment variables. Do not paste them into prompts or commit them.
MCP client setup
Choose a client and add the read-only banking server with private environment variables.
.cursor/mcp.json or ~/.cursor/mcp.json

Add the server to Cursor's MCP config. Token values are read from your local environment, not written into prompts.

{
  "mcpServers": {
    "openbank-nz-mcp": {
      "type": "stdio",
      "command": "npx",
      "args": ["-y", "openbank-nz-mcp-server"],
      "env": {
        "AKAHU_APP_TOKEN": "${env:AKAHU_APP_TOKEN}",
        "AKAHU_USER_TOKEN": "${env:AKAHU_USER_TOKEN}"
      }
    }
  }
}

Keep real Akahu tokens in your private shell, hosting secret store, or user-level MCP settings. Never paste them into prompts or commit them.