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How do I connect and use the Qonto MCP server?

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The Qonto MCP server lets you connect your Qonto account to an AI assistant — such as Claude, ChatGPT, or Mistral — and manage your business banking through plain language conversations. MCP stands for Model Context Protocol, an open standard that AI assistants use to communicate with external services like Qonto.

Once connected, your assistant acts as a conversational interface to your Qonto account, letting you perform actions and retrieve information without opening the app. The MCP server is available on every Qonto plan, from Basic to Enterprise, for all roles , with the same permissions each member already holds in Qonto.

Setup is done from the 💻 Qonto web app.

How do I connect Qonto MCP to my AI assistant?

The connection process takes under a minute and is done entirely from the Qonto web app. Step-by-step instructions for the most popular AI assistants — including Claude, ChatGPT, Cursor, and Mistral — are available on the dedicated setup page.

You can also follow the quickstart guide to connect Qonto to any MCP-compatible tool. During setup, you authenticate with your Qonto credentials directly on a Qonto page — your AI assistant never handles your login details. Once the connection is established, your assistant can start interacting with your Qonto account immediately, with no additional plan or add-on required.

What can my AI assistant actually do with my Qonto account?

Once connected, your AI assistant can help you with most day-to-day operations on Qonto. Your assistant only sees the actions allowed by your role — for example, an Owner can issue a card, but an Employee cannot. The full list of capabilities is published on the What you can do page, grouped by topic:

  • Your organization and team: See who has access, invite a new team member, organize teams.
  • Cards: List your cards, view their limits, issue a virtual or flash card, lock or unlock a card, rename it.
  • Transactions and statements: Browse and filter transactions, look up a single payment, download a monthly statement.
  • Client invoicing: Draft, finalize, send or mark invoices as paid; manage clients, products and quotes; issue credit notes.
  • Supplier invoices: See what you owe, reject a duplicate, mark as paid.
  • Expense requests: Approve or decline card and transfer requests from your team.
  • Labels and attachments: Organize your bookkeeping.
  • Pricing: Check what's included in each Qonto plan.

Sending money is not available yet. To pay a supplier, send the transfer from the Qonto app and ask your assistant to mark the invoice as paid once done.

What is the difference with Qonto's AI agents (The Operator / The Analyst)?

Qonto's AI agents — The Operator and The Analyst — are built directly into the Qonto interface; you access them from within the Qonto app. The Qonto MCP server works the other way around: it brings your Qonto account into the AI assistant you already use every day.

This means you do not need to switch between tools — you can ask your assistant a question about your finances without opening Qonto. The two approaches are complementary: Qonto's AI agents suit users who work primarily within Qonto, while the MCP server suits those who prefer to stay in their existing AI tool. There is no conflict in using both — your choice depends entirely on your workflow.

Is it safe and where does my data go?

The Qonto MCP server is built on the same security foundations as the rest of Qonto. The MCP server is hosted by Qonto, not by the AI company, and Qonto does not share your data with the AI provider beyond what your prompt actually needs.

Here is how your account is protected:

  • Authentication: You log in with your Qonto account directly on a Qonto page — your AI assistant never sees your password.
  • Permission enforcement: The assistant can only perform actions you are already allowed to do in the Qonto app.
  • Confirmation for sensitive actions: Reading data or drafting an invoice runs directly. Issuing a card or sending an invoice requires your approval first. Moving money — when available — will require Strong Customer Authentication.
  • Full audit trail: Every action is logged with your name, a timestamp, and a description of what was done, exactly as in the Qonto app.
  • Revocable access: You can disconnect your AI assistant at any time.

⚠️ Treat your AI assistant like a co-worker, not a vault. Never paste SCA codes, full card numbers, or sensitive secrets into a chat window — Qonto will never ask you to.

How do I revoke access to the Qonto MCP server?

You can stop using the Qonto MCP server at any time and immediately cut your AI assistant's access to your Qonto account.

There are two ways to revoke access to the Qonto MCP server:

  • Via your Qonto account settings: Log in to your Qonto account on 💻 web, navigate to Settings > Integrations > MCP Server, and click Revoke access.
  • Via your AI assistant: Ask your AI assistant to remove the MCP server connection. The assistant will guide you through the disconnection process within the tool you are using (Claude, Mistral …).

⚠️ Revoking access only affects your own individual connection. If other members of your organization are also using the MCP server, their access continues to work independently and is not impacted by your disconnection.