MCP for BudgetSyncer subscribers
Ask your bank and YNAB from the chat you already use
ChatGPT, Claude, and Cursor can read your sync status, bank transactions, and YNAB budget through BudgetSyncer. The tools are read-only, and they only see your account.
When did Nordea last sync, and what booked on the salary account this week?
Nordea last synced successfully yesterday morning. No error on that connection.
Three booked payments on the salary account this week: rent, the electricity bill, and a grocery card payment. Nothing is pending.
Read-only toolsYour account onlyMasked IBANsActive subscription requiredThe import is done. The question still takes three apps.
BudgetSyncer already brings eligible European bank transactions into YNAB. A follow-up still sends you elsewhere: the bank app for a card payment, YNAB for a category, and BudgetSyncer when last night's sync failed. MCP answers those from ChatGPT, Claude, or Cursor.
What you can ask
Did the bank sync?
Last successful sync, the last attempt, and errors, for each connection and linked account.
What did the bank post?
Booked and pending transactions for one linked account, fetched from the bank when you ask about the bank itself.
What does YNAB show?
Budgets, accounts, categories, and transactions on the YNAB budget you connected. Budget questions use YNAB, not a second copy of the bank feed.
How to connect it
Same account you already use for sync. The assistant never gets a bank password.
- 1
Use an active subscription
Sign up, connect YNAB, and start a free trial before you authorize a bank and map accounts. MCP uses that same subscription. An inactive account cannot create keys or call tools.
- 2
Add BudgetSyncer in the assistant
In ChatGPT, add a custom MCP server, paste the URL below, and choose OAuth. In Cursor or Claude Desktop, create an API key and send it as a Bearer token.
- 3
Ask about your own data
Ask when a bank last synced, what booked on one linked account, or what a YNAB category shows. The assistant lists your connections before it fetches a specific account.
ChatGPT uses OAuth
Paste this URL as a custom MCP server and sign in with your BudgetSyncer account when asked. The setup page copies the URL for the site you are on.
https://budgetsyncer.com/api/mcp
Open MCP setupCursor and Claude use a key
Create a key, name it after the app, and copy the secret when it appears. It is shown once. Revoke it from the same page if you stop using that client.
Bank authorization stays the PSD2 consent you already gave. MCP reads the connection you saved. It does not store your online banking password.
Questions before you connect
Do I need a subscription?
Yes. Creating a key and calling MCP tools uses the same active trial or paid subscription as bank sync. Sign up, connect YNAB, and start the trial before you authorize a bank.
Can the assistant change my budget or move money?
No. BudgetSyncer MCP is read-only. It can report sync status, list your linked banks, fetch bank transactions, and read YNAB budgets, accounts, categories, and transactions. It cannot create transactions, edit categories, or start a payment.
Whose transactions can it see?
Only the signed-in subscriber. Each tool runs as that account. Linked accounts are listed with a masked IBAN. The assistant is told to load your connections before it asks for a specific account.
How is ChatGPT different from Cursor or Claude?
ChatGPT connects with OAuth. You paste the MCP URL, choose OAuth, and sign in with BudgetSyncer. Cursor, Claude Desktop, and other clients that accept a header use an API key. You create the key on the setup page, copy the secret once, and send it as a Bearer token.
Is this part of YNAB?
BudgetSyncer is a YNAB-approved integration. It is not affiliated with, sponsored by, or endorsed by YNAB. The official YNAB site is ynab.com.
BudgetSyncer is a YNAB-approved integration. It is not affiliated with, sponsored by, or endorsed by YNAB. ynab.com
Ask the next bank or budget question in chat
Start a trial, connect YNAB, then add BudgetSyncer to ChatGPT, Claude, or Cursor.