Connect Claude or ChatGPT to Monzo (2026)

You can connect Monzo to Claude, ChatGPT and every other assistant through Era, with no coding and no API keys. You link Monzo using open banking, approve it in the Monzo app, and your assistant can then answer questions about your balance, your Pots and your spending from your real transactions.

How do I connect Monzo to Claude?

Link Monzo in Era, then add Era to Claude. Era reads your Monzo accounts through open banking, so you approve access in the Monzo app, and Claude then has one connection to everything you have linked. The whole setup takes a few minutes and needs no technical knowledge.

1. Sign up at era.app and choose Connect your bank.
2. Search for Monzo and continue to the Monzo app.
3. Approve access to the accounts you want to share, then return to Era.
4. In Claude, add Era from the connector directory, or add https://context.era.app/mcp as a custom connector.
5. Approve the consent screen and ask a question.

The full guide to connecting Claude to your bank account covers each step in more detail.

What can my assistant see in Monzo?

Era brings in your Monzo current account, joint account and the Pots you have set up, with the transactions behind each. That includes your categories, the merchants Monzo recognised and the recurring payments it spotted. Your assistant works from those figures, so it can answer in the language you already use in the app.

Pots are where Monzo shines, and they are where an assistant helps most. Ask which Pot is growing fastest, whether your holiday Pot will reach its target by the summer, or how much you moved into savings after each payday this year.

Can ChatGPT read my Monzo account?

Yes. ChatGPT reads Monzo the same way Claude does, through the connection you set up in Era, so the Monzo account you linked for Claude is already there for ChatGPT. Add Era as a connector in ChatGPT, approve the consent screen, and ask about your Pots, your Monzo card spending or your direct debits.

How to connect ChatGPT to your bank account walks through it.

Does Monzo work with Gemini?

It does. Gemini reads your Monzo transactions through Era like any other assistant. This suits people who live in Google's world and want to ask Gemini how Monzo spending compares with last quarter, or which subscriptions come out of the coral card each month.

Does Monzo work with Perplexity?

Yes. Perplexity can use Era as a connector, so it can pair its research with your own Monzo figures. You could ask it to compare your current savings rate with typical rates, while it reads your Pot balances for the real starting point.

Does Monzo work with Grok?

Yes. Grok connects to Era in the same way, and it will read the Monzo accounts you have linked once you approve the consent screen. It is a quick way to ask a direct question about your Monzo spending and get a straight answer.

Does Monzo work with Meta's Muse?

Yes. Meta's Muse can connect to Era, and then it reads your Monzo accounts through the same consent screen as every other assistant. Era keeps the connection under your control, so you can switch Muse off without disconnecting Monzo, and Muse sees only the accounts and Pots you allow.

Does Monzo work with Instinct?

Yes. Instinct connects to Era and reads the accounts you have shared, including Monzo and your Pots. Because the consent happens at Era and in your Monzo app, you never type a banking password into any assistant, and you can remove Instinct at any time without touching your Monzo connection.

Questions to ask about your Monzo money

Questions that need your real numbers work best. A few that suit Monzo:

• "Which of my Pots has grown the most since January?"
• "How much did I spend on food and drink last month, and how does that compare with the month before?"
• "List every regular payment leaving my Monzo account."
• "Am I on track to hit my emergency fund target by the end of the year?"
• "What did I spend with Monzo's round-ups, and where did it go?"

Add your financial health to the mix and the assistant can show the working behind each figure. If you share bills with someone, an Era space lets you both see the balances you choose to share, mark a bill as paid and split a cost.

Does Monzo have its own API or MCP server?

Monzo publishes a developer API that is aimed at people who want to build their own tools around their own account, and it takes some coding to use. Monzo does not offer a ready-made connector for Claude or ChatGPT. Era gives you that connection without any code, through open banking.

That also means it works for the accounts you hold elsewhere. Your Monzo spending sits next to your Starling savings, your Barclays card and your pension in one place, so the assistant can answer questions about all of it.

Is it safe to connect Monzo?

Yes. Open banking means you approve access in the Monzo app and can withdraw it there at any time, and Era never sees your Monzo PIN or password. Era encrypts your data with AES-256 at rest and TLS 1.3 in transit, and no model provider trains on it.

Is it safe to give AI your financial data goes through the details.

If you would rather not connect at all, upload a Monzo statement to the Document Library and Era fills a manual account from it. See does Claude support open banking in the UK? and can ChatGPT connect to my UK bank account? for how the pieces fit together, and Starling or Revolut if you bank with them too.