NZ banking APIs for AI chat

Ask your NZ accounts questions in plain English.

Configure OpenBank NZ MCP with your own account access values, then let an AI assistant explain spending, income, bills, and cashflow using everyday language.

Connect an AI tool See example questions
NZ

Sample MCP answer preview

Account intelligence

Track balances, transactions, and deterministic summaries.

7d30d3m

Cashflow trend

$4,280

sample
Mon
Tue
Wed
Thu
Fri
Sat
Sun

Connected accounts

3

Settled transactions

248

Plain-English question

What changed in my spending this month?

Spending by category

Groceries72%
Utilities58%
Transport44%
Subscriptions31%

Summary response

Your largest category is groceries. Regular bills are stable, and the current buffer is above the last 30-day average.

Akahu-backed account access
Secrets stay in your MCP config
Provider-flexible architecture
What to ask

Turn bank feeds into helpful answers.

Instead of exporting CSVs or scanning statements, ask for the story behind your transactions. The MCP tools keep the surface small: profile, accounts, transactions, and deterministic summaries.

Ask normal questions

Ask how much you spent in a category and get the matching transaction context.

Understand money coming in

See pay, refunds, transfers, bills, and regular payments in one clear summary.

Spot bills and subscriptions

Find recurring charges, upcoming bill pressure, or payments you may want to review.

Prepare for bigger decisions

Bring clean money context to budgeting, lending, tax, or accounting conversations.

Free MCP

If this helps your project make money, please consider donating.

OpenBank NZ MCP is totally free to use. Donations from revenue-generating projects help cover the hosting, domain, and ongoing maintenance that keep the connector available for everyone.

Buy Me a Coffee

Keep the endpoint online

Contributions go toward boring but necessary costs like hosting, monitoring, and the domain.

Fund maintenance work

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

Connect

Connect your first NZ account.

The current NZ connector uses Akahu for account access. Create an Akahu account, connect your bank, then add your Akahu app and user tokens to your own MCP configuration. This site does not receive, exchange, or store them.

Get Akahu tokens Publishing review

Try it yourself

  1. 1Sign in or create an Akahu account at my.akahu.nz.
  2. 2Connect your NZ bank account and approve the access scopes required for your setup.
  3. 3In Akahu Developers, create a Personal App for testing with your own accounts.
  4. 4Copy the App Token and User Token from Akahu.
  5. 5Add those values to your MCP client or server configuration as private environment variables.
MCP client setup
Pick the AI tool you use and follow its matching setup style.
.cursor/mcp.json or ~/.cursor/mcp.json

Cursor reads MCP servers from mcp.json and can resolve environment variables inside the config.

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

Use real token values only in your private local environment or user-level MCP settings. Do not commit them.