Qonto MCP server: connect AI agents to Qonto from the EU

Qonto is a Paris-based business banking provider for SMEs and freelancers in France, Germany, Italy, Spain and other European markets. Its official MCP server is available at https://mcp.qonto.com/mcp over Streamable HTTP, built on the Qonto Business API and hosted by Qonto.

The server exposes a curated set of tools rather than the whole API: all the read endpoints plus vetted write operations. It does not make SEPA transfers to beneficiaries, international transfers or direct debits. A separate read-only endpoint lets one connection read across several Qonto organisations.

At month end, an agent can list every transaction over €1,000 without a receipt, ask the cardholders for the missing documents, and check which clients have not paid in 60 days. For an accountant, it can pull the monthly statement and match it against the books in another connector.

Day to day, the agent can issue a €1,200 plus VAT invoice to a client from a short request, create a virtual card with a monthly limit for online advertising, or prepare a multi-transfer request for an approver to sign.

On inference.eu, add the Qonto connector to an agent. The first connection opens Qonto's own sign-in page: you log in, choose the organisation and consent to the requested scopes. The agent never sees your Qonto password, and there is no API key or organisation ID to copy.

The OAuth token is stored encrypted in the EU and only reaches the agents you allow. Qonto's MCP is included in every plan, from Basic to Enterprise, and works for all roles within their usual permissions.

Banking data is covered by professional secrecy, and Qonto asks you to accept that sharing it with an AI assistant lifts this secrecy for that use. The data goes from Qonto's server to the agent only as the answer to each tool call.

On inference.eu the model that reads your transactions runs in EU data centres, and your connection credentials are stored encrypted in the EU. Transactions name customers, suppliers and employees, so limit which agents and people can use this connector.

Qonto keeps its own controls in place. Write operations follow Qonto's standard approval logic, requests are approved in the Qonto web app rather than by the assistant, and actions that need strong customer authentication prompt you in the Qonto mobile app.

On inference.eu you can add a further step and require a person to approve risky calls before the agent sends them, such as finalising or sending an invoice, creating a card or creating a transfer request. Reads such as listing transactions can run without interruption.