MCP Bank Account Access | Financial Data for AI Tools

Plus & Pro

Connect AI tools to your bank accounts via the Model Context Protocol. Secure, read-only access to your financial data.

Get started from $5.99/mo View Documentation

12,000+ supported banks · Bank-level security via Plaid · Revoke anytime

How it works.

1. Connect Banks

Link your accounts via Plaid—same security as Venmo and Robinhood.

2. Generate API Key

Create a scoped API key from Settings → API Keys in Warm.

3. Configure MCP

Add the Warm MCP server config to your AI tool.

4. Query Data

Ask natural language questions about your finances.

MCP configuration.

Add this config to any MCP-compatible AI tool.

mcp.json

{
  "mcpServers": {
    "warm": {
      "command": "npx",
      "args": ["-y", "@warmio/mcp", "--server"],
      "env": {
        "WARM_API_KEY": "your-api-key"
      }
    }
  }
}

Requires Node.js 18+ · No installation needed · Runs via npx

Available data.

Read-only access to your financial data via MCP tools.

Accounts

Access via get_accounts

Account names and types (checking, savings, credit, investment)
Current balances
Financial institutions

Transactions

Access via get_transactions

Transaction amounts and dates
Merchant names
Categories (auto-classified)

Financial State

Access via get_financial_state

Subscriptions and recurring payments
Budgets, goals, and progress signals
Financial health and supporting state

Snapshot History

Also available via get_financial_state

Historical snapshots
Daily or monthly aggregation
Assets and liabilities breakdown

Bank-level security.

Read-Only Access

MCP tools can only query data—no modifications, transfers, or deletions.

Plaid Security

Same bank-level encryption used by Venmo, Robinhood, and Coinbase.

Instant Revocation

Delete your API key in Settings and access stops immediately.

What is NOT exposed via MCP:

— Your bank login credentials (never shared)
— AI chat history from the app

— Household/sharing settings
— Any write operations

Common questions

What is MCP?

MCP (Model Context Protocol) is an open standard for connecting AI applications to external data sources. It provides a secure, standardized way for AI tools to access data while keeping users in control.

How does Warm connect to my bank?

Warm uses Plaid, the same secure service used by Venmo, Robinhood, and major banks. You authenticate directly with your bank—Warm never sees your login credentials. Plaid then provides read-only transaction data.

What bank data is available via MCP?

The Warm MCP server exposes accounts (names, types, balances, institutions), transactions (amounts, merchants, categories, dates), and a broad financial state bundle with snapshots, recurring payments, budgets, goals, and financial health. No write access is provided.

Which AI tools support MCP?

MCP is supported by Claude Code, Cursor, Windsurf, Codex CLI, Aider, Zed, OpenCode, Gemini CLI, and other AI coding assistants. Any tool implementing the MCP standard can connect to Warm.

Is my bank data secure?

Yes. All connections are encrypted, the MCP server is read-only, API keys are scoped to individual accounts, and you can revoke access instantly. Your bank credentials are never shared with Warm or AI tools.

What does this cost?

MCP access requires a paid plan. Plus starts at $5.99/mo with up to 3 synced accounts. Pro is $24.99/mo with up to 30 synced accounts. Free tier does not include API access.

Setup Guides by Tool

Claude Code → Cursor → Windsurf → Codex CLI → Aider → Zed →

Ready to connect your
bank accounts?

Secure, read-only access to your financial data via MCP.