FIO Bank Server

An MCP (Model Context Protocol) server for FIO Bank API in the Czech Republic. Allows AI assistants like Claude to access FIO Bank account transactions.

Installation

pnpm install
pnpm build

Configuration

Getting an API Token

1. Log in to your FIO Bank internet banking
2. Go to Settings → API
3. Create a new token (requires SMS or push notification)
4. Wait 5 minutes before using the token

Token Properties

• Each token is valid for one account only
• Maximum validity: 180 days
• Can auto-renew on each login to internet banking

Usage

With Claude Desktop

Add to your Claude Desktop configuration (~/Library/Application Support/Claude/claude_desktop_config.json on macOS):

{
  "mcpServers": {
    "fio-bank": {
      "command": "node",
      "args": ["/path/to/fio-bank-mcp/dist/index.js"],
      "env": {
        "FIO_API_TOKEN": "your-64-character-token-here"
      }
    }
  }
}

Available Tools

fio_get_transactions

Get account transactions for a specific date range.

Parameters:

Name	Type	Required	Description
dateFrom	string	Yes	Start date (YYYY-MM-DD)
dateTo	string	Yes	End date (YYYY-MM-DD)
token	string	No	API token (uses FIO_API_TOKEN env var if not provided)

Returns:

• Account info (IBAN, BIC, balance)
• List of transactions with:
  • Transaction ID, date, amount, currency
  • Counter account (number, name, bank)
  • Payment symbols (variable, constant, specific)
  • Message for recipient, comments
  • Transaction type

Testing Locally

Use the MCP Inspector to test the server with a web UI:

npx @modelcontextprotocol/inspector node dist/index.js

This opens a browser where you can see available tools, call them with parameters, and view responses.

To pass the API token:

FIO_API_TOKEN=your-token npx @modelcontextprotocol/inspector node dist/index.js

API Rate Limits

1 request per 30 seconds per token. The server automatically waits if needed.

Data Access

• Data up to 90 days old: accessible immediately
• Data older than 90 days: requires temporary unlock in internet banking (Settings → API → click lock icon, valid for 10 minutes)

Error Codes

Code	Description
404	Invalid URL or token
409	Rate limit exceeded (wait 30 seconds)
413	Too many transactions in response
422	Invalid request data
500	Internal server error

Development

pnpm install      # Install dependencies
pnpm build        # Build TypeScript
pnpm lint         # Run ESLint
pnpm typecheck    # Type check without emitting

Resources

• FIO Bank API Documentation (Czech)
• MCP Protocol

License

MIT