Bills AI

How do I let an AI assistant like Claude or ChatGPT read my bank statements through MCP?

Add Bills AI as a remote MCP server in an assistant that supports them, sign in to your Bills AI account and approve the consent screen. The assistant can then use six read-only tools to convert a PDF or read the statements and transactions you saved. Nothing can be changed or deleted through MCP, and you can disconnect at any time.

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Steps

  1. Check that your assistant supports remote MCP servers over streamable HTTP and find where it lets you add a custom connector. The menu names differ by app.
  2. Add the server URL https://billsai.cc/api/mcp as a new connector or MCP server.
  3. Sign in to your Bills AI account when asked and approve the consent screen. This is OAuth 2.1 with PKCE and works for every Bills AI account, including free ones. Paid plans can instead use a bai_sk_ API key as a Bearer token.
  4. Ask the assistant what you want. It has six tools, all read-only: convert_statement_pdf, create_statement_upload_url, list_statements, list_transactions, get_spending_summary and export_transactions_csv.
  5. Remember that whatever a tool returns is visible to the assistant you connected, under that assistant provider's own terms.
  6. To disconnect, revoke the connection in Bills AI under Settings, then Connected AI apps.

When this will not work

  • The assistant must support remote MCP servers. Without that, it cannot connect.
  • The stored-data tools only read what you already saved in Bills AI. If you have saved no statements, they return nothing.
  • Scanned or photographed PDFs are not supported by the conversion tools, which have no OCR.
  • The assistant can misread or mis-summarise data, so check figures against your original statements.

Related

Frequently asked questions

Can the AI assistant change or delete my data through MCP?

No. All six tools are read-only, so nothing in your Bills AI account can be changed or deleted through MCP.

Do I need a paid plan to connect an assistant?

No. OAuth sign-in works for every Bills AI account, including free ones. API keys starting with bai_sk_ are available on paid plans.

What does the assistant get to see?

Whatever the tools you use return, such as saved transactions or a CSV. That output is visible to the assistant you connected, under that provider's own terms.

How do I disconnect an assistant?

The account holder revokes the connection in Bills AI under Settings, then Connected AI apps.

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