--- title: "Qonto MCP server · Connect AI agents to Qonto banking" description: "Connect inference.eu agents to the official Qonto MCP server. Read transactions and invoices, issue client invoices and manage cards, within Qonto's approvals." canonical: "https://inference.eu/connect/qonto/" language: "en" --- MCP servers · Banking and payments # Qonto MCP server: connect AI agents to Qonto from the EU Qonto, the business account for European SMEs and freelancers, runs an official MCP server hosted by Qonto. It lets an agent read transactions, invoices and cards and carry out a vetted set of everyday actions, as the person who consented. inference.eu agents connect to it with OAuth on any Qonto plan. [Contact sales](https://inference.eu/contact/)[What agents can do with it](#tools) 1. 01Authentication: OAuth 2. 02Official server 3. 03EU data centres ## What agents can do with it - 1 ### Transactions and statements List, filter and retrieve transactions, find payments without an attachment, and pull monthly statements with download links, across one organisation or, read-only, several. - 2 ### Invoices, quotes and payment links Create, update, finalise and send client invoices and quotes, issue credit notes, mark supplier invoices as paid or rejected, and create payment links from a basket or an existing invoice. - 3 ### Cards and requests Create virtual or physical cards, lock them, unblock them or report them lost, and create card or multi-transfer requests that an approver then signs in the Qonto app with strong customer authentication. ## What Qonto and its MCP server are 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. ## What agents can do with Qonto 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. ## Setup and authentication 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. ## Data protection and where the data goes 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. ## Approvals and safe use 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. ## Qonto Vendor Qonto (Olinda SAS) Vendor based in France Category Banking and payments Authentication OAuth Transport Remote (HTTP) Server [Official server](https://docs.qonto.com/mcp/overview) Documentation [docs.qonto.com](https://docs.qonto.com/mcp/install/quickstart) ## Qonto: common questions The questions buyers, developers and legal teams ask us most. Something missing? Ask us directly. Yes. Qonto hosts an official MCP server at https://mcp.qonto.com/mcp with OAuth and both read and write tools. The older open-source local server on GitHub is no longer maintained, and Qonto recommends the hosted server instead. It is Qonto's connector for AI assistants and agents, built on the Model Context Protocol. It lets an agent read your transactions, invoices, cards and team data, and perform selected actions such as issuing invoices or creating cards, as you and within your role. Not directly. The MCP server does not make SEPA or international transfers to beneficiaries. It can create a multi-transfer request, which an approver then signs with strong customer authentication in the Qonto app. All of them. Qonto states that the MCP server is available on every plan from Basic to Enterprise and for all roles, with no add-on required. Each user only sees and does what their role allows. You add the Qonto connector and sign in on Qonto's own page, then pick the organisation and approve the scopes. The token is stored encrypted in the EU. Your Qonto login details never pass through the agent. Yes, read-only. Qonto offers a multi-organisation endpoint where you tick every organisation to share during consent. Write tools are only available on the standard endpoint, which connects to one organisation at a time. Qonto, a French company, serves the data from its own systems. When an inference.eu agent reads it, the model processes it in EU data centres. Qonto notes that sharing banking data with an AI assistant lifts professional secrecy for that use. No. Approving card requests and transfer requests happens in the Qonto web app. The agent can return a link to the approval page, but a person with the approver role has to confirm it, sometimes with strong customer authentication. [Ask a question](https://inference.eu/contact/) ## Related [All MCP servers](https://inference.eu/connect/#directory) - [PennylaneConnect inference.eu agents to the official Pennylane MCP server. Read invoices, ledgers, trial balances and VAT returns for one company or a whole firm.Accounting](https://inference.eu/connect/pennylane/) - [MollieConnect inference.eu agents to the official Mollie MCP server. Look up payments, settlements and customers, and create payment links or subscriptions with approval.Banking and payments](https://inference.eu/connect/mollie/) - [bunqConnect inference.eu agents to bunq through an open-source MCP server. 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