monzo

What This Skill Does

The Monzo skill for OpenClaw provides a secure interface for your Monzo UK bank account. It allows the OpenClaw AI agent to perform read and write operations on your finances, including checking account balances, fetching detailed transaction history, managing your savings pots, and sending push notifications to your Monzo app. The skill handles OAuth authentication securely, ensuring that sensitive credentials are encrypted at rest using your specified keyring password.

Installation

To install, run the command: clawhub install openclaw/skills/skills/rhesketh/monzo. After installation, you must configure your OAuth client via the Monzo Developers portal by setting the confidentiality to 'Confidential' and the Redirect URL to 'http://localhost'. Next, set the MONZO_KEYRING_PASSWORD environment variable securely in your system settings, shell profile, or through the OpenClaw configuration file. Finally, execute scripts/setup.sh and complete the OAuth handshake within the Monzo mobile app. Once completed, verify your connection using scripts/balance.sh to ensure the skill is correctly authenticated.

Use Cases

• Automated Budgeting: Automatically categorize spending and query how much "fun money" is left in your account before making large purchases.
• Savings Automation: Ask the agent to move specific amounts into designated savings pots based on your spending habits.
• Financial Reporting: Generate summaries of recent transactions or search for specific purchases by date, merchant, or amount.
• Real-time Notifications: Receive updates or trigger custom alerts directly to your phone via the Monzo app through the agent's notification interface.

Example Prompts

• "OpenClaw, what is my current balance across all my Monzo accounts?"
• "Find all transactions from Starbucks in the last two weeks and tell me the total amount spent."
• "Move 50 pounds from my main balance into my 'Travel' savings pot."

Tips & Limitations

Always store your keyring password in a secure, non-versioned location. Avoid using this skill on shared or public infrastructure to maintain financial security. Note that this skill requires the Monzo app installed on your device for Strong Customer Authentication (SCA) challenges during the initial setup and periodic re-authorization. The skill is limited to UK personal, joint, or business accounts as supported by the official Monzo API.