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The Qonto MCP server lets your AI assistant read and act on your Qonto data through a curated set of tools, so you can manage your business banking by chatting with the LLM of your choice.
Connecting the Qonto MCP server shares your Qonto account data with a third-party AI tool. Read the Terms and Disclosures carefully before connecting — when you authorize the connection you accept those terms, including sharing your account data with your chosen AI tool and the lifting of professional secrecy in this regard.LLMs can make mistakes: responses may be inaccurate, incomplete, or out of date, and are not reviewed by Qonto. Use this with care and always double-check any data or action before relying on it. Refer to the Terms and Disclosures for all the details.
It implements the Model Context Protocol, an open standard created by Anthropic and maintained by the community, that lets large language models discover and call tools exposed by a server. From an end-user point of view, once the server is installed, your assistant gains a new set of capabilities.

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Endpoint

FieldValue
Server URLhttps://mcp.qonto.com/mcp
AuthenticationOAuth, see Authentication
The server reuses the same identity provider as developers.qonto.com. The OAuth scopes documented in the Business API reference govern what each tool can do on your behalf.

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What you can do with it

Once connected, your assistant can:

Read your books

List and filter transactions, statements, attachments, invoices, quotes, clients, cards, requests, and labels.

Manage cards

Create virtual or physical cards, change their status, update limits, and request new ones for teammates.

Bill clients

Draft and send client invoices, quotes, and credit notes; mark them as paid; deliver them by email.

Triage requests

List and create card and multi-transfer requests, decline them, or get a link to approve in the Qonto web app.
See What you can do for the complete capability map and example prompts.

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Install it

Pick the client that matches your assistant. Cursor and VS Code offer a one-click install; Claude, ChatGPT, and Le Chat take a short paste into their connector settings.

Claude Desktop

Claude Code

Cursor

VS Code

ChatGPT

Mistral Le Chat

If you just want the URL and copy-paste instructions, jump to the Quickstart.

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How it relates to the Business API

The MCP server is built on top of the Qonto Business API and uses its endpoints downstream to act on your behalf. MCP tools are designed around what an assistant needs to accomplish rather than mirroring the API: a single tool may combine several endpoints, add validation, or shape inputs and outputs for conversational use, so there is no one-to-one correspondence between a tool and an API endpoint. You should use the Business API directly if you are building a custom backend integration, an ERP connector, or an embedded product. You should use the MCP server if you want a conversational, ad-hoc interface to your Qonto account through an assistant you already use.
The MCP server only exposes a curated subset of the Business API: read endpoints and a vetted set of write operations. It does not (yet) cover SEPA transfers from a beneficiary, international transfers, webhooks, terminals, payment links, or onboarding. For those use cases use the Business API directly.

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Security model

  • Every tool call is authenticated as you: the server holds an OAuth access token issued to your Qonto user. It cannot act outside what your role and your organization’s price plan allow.
  • The Qonto MCP server itself does not store conversation content, transcripts, or your business data; it only proxies tool calls to the Business API.
  • The MCP client (Claude, ChatGPT, Cursor, etc.) holds the conversation, including any data the tools return. Review your client vendor’s data handling before connecting.
  • You can revoke access at any time from the connected apps section of your Qonto account.
See Security and limits for the full breakdown.
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