Lhv.ai – Estonian bank AI integration via MCP
Lhv.ai is a service from LHV Bank that enables AI assistants to securely read bank account balances and transactions via the Model Context Protocol (MCP). Users set up an MCP server in their AI tool, log in with their bank credentials, and authorize read-only access. Queries like 'What's my balance?' or 'How much did I spend on groceries?' are answered in natural language. Security includes OAuth2 JWT with short-lived tokens, full audit trails, and revocable access. Setup takes about two minutes.
Your bank, inside your AI Assistant.
Ask about your balance, pull up last month's transactions, fetch your transaction history. Log in once and just ask.
Connect nowSet up in 2 minutes→
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Beta
Get Started. Connect in three steps.
MCP is an open protocol with a growing list of supporting tools. Setup takes about two minutes.
1
Set up your AI tool
In your AI tool's settings, add a new MCP server and paste in the LHV server address.
Coming soonFind LHV directly in your AI tool's marketplace and connect without any manual setup.
1
Open connector settingsOn claude.ai, go to Customize → Connectors, then click Add → Add custom connector.
2
Add the LHV connectorName it LHV and paste in the server URL.
3
ConnectClick Add, then Connect to sign in with LHV.
Set up on claude.ai, then it's available in the desktop and mobile apps too. Free is limited to one custom connector.
$ claude mcp add lhv \ --transport http \ https://mcp.lhv.ai/mcp
✓ Added MCP server 'lhv'
$ claude mcp login lhv
→ opens your browser to sign in with LHV
$ codex mcp add lhv \ --url https://mcp.lhv.ai/mcp
✓ Added MCP server 'lhv'
→ opens your browser to sign in with LHV
// .cursor/mcp.json { "mcpServers": { "lhv": { "url": "https://mcp.lhv.ai/mcp" } } }
// Command palette → "agent: add context server" // or paste into ~/.config/zed/settings.json { "context_servers": { "lhv": { "url": "https://mcp.lhv.ai/mcp" } } }
2
Sign in with your LHV credentials
Your browser opens to a familiar screen. Sign in exactly as you would in your internet bank. You choose which permissions to give: accounts, transactions, or both.
On the consent screen, pick exactly which scopes you want the assistant to have. Approve, and the token flows back to your tool.
AccountsRead only
accounts:read
TransactionsRead only
transactions:read
3
Start asking questions
That's it. Go back to your AI tool and ask about your finances. Your AI assistant handles the rest.
Stays connected for 30 days. Revoke access any time from your internet bank.
What's my current balance across all accounts?
list_accounts()
Across your 2 accounts you have 37 396,24 € — 12 486,24 € in your current account and 24 910,00 € in savings.
Sourced from: list_accounts
How much did I spend on groceries in March?
get_transactions_summary()
In March 2026, you spent 412,67 € on groceries across 18 transactions. Most of it at Coop Konsum (184,20 €) and Rimi (121,47 €).
Sourced from: get_transactions · 01.03 – 31.03.2026
Which subscriptions renewed this week?
get_transactions()
Three subscriptions renewed this week: Spotify (10,99 €), iCloud+ (2,99 €) and Netflix (12,99 €) — 26,97 € in total.
Sourced from: get_transactions · this week
Four tools. Every banking question.
Your AI assistant picks the right one automatically based on what you ask.
See all your accounts
Every account you have access to. IBAN, currency, and current balance.
ACCOUNTS:READ
1list_accounts()
2// → AccountListResponse
Check a specific balance
Live available balance for a specific account. Fast, direct answer.
ACCOUNTS:READ
1get_balances(iban)
2// → BalanceDetailsResponse
Transaction history
Full transaction list for any date range. What came in, what went out.
TRANSACTIONS:READ
1get_transactions(iban, dateFrom, dateTo)
2// → McpTransactionsCamt053Response
Spending summary
Total spending and income, top counterparties. Faster overview for broad spending questions.
TRANSACTIONS:READ
1get_transactions_summary(iban, dateFrom, dateTo)
2// → McpTransactionsSummaryResponse
Security and trust. Built on the same foundations as your internet bank.
MCP is an open protocol supported by Claude Desktop, Claude Code, Cursor and a growing list of tools. Setup takes about two minutes.
Strong authentication
Smart-ID, Mobile-ID, ID-card or biometrics, whatever you prefer.
Short-lived tokens
Access tokens expire after 1 hour. Refresh tokens last 30 days.
Read-only by design
Your AI assistant can see your data, never do anything on your behalf.
Full audit trail
Every request is logged. Revoke access any time from your internet bank settings.
Once your data reaches your AI assistant, it's handled by that tool's terms and privacy policy. Make sure you trust the service provider before giving it access to your banking information.
Prefer REST? We have that too.
LHV.ai runs on two subdomains. MCP is primary for AI assistants. The REST API is available for direct integrations.
MCP Server
Tool access for AI assistants
Primary · Streamable HTTP
OAuth2 JWT
4 tools
accounts:read
All accounts — IBAN, currency, available balance
Response
accounts[].ibanstring
accounts[].currencystring
accounts[].availableBalancenumber
accounts[].typestring
accounts[].namestring
accounts:read
Available, settled, and reserved balance for one IBAN
Parameters
ibanstringEE382200221020145685required
Response
balances[].ibanstring
balances[].currencystring
balances[].availableBalancenumber
balances[].settledBalancenumber
balances[].reservedBalancenumber
transactions:read
Raw CAMT.053 transactions for an IBAN, max 31 days
Parameters
ibanstringEE382200221020145685required
dateFromdate2026-01-01required
dateTodate2026-01-31required
Response
xmlstring
transactions:read
Totals and top counterparties, max 31 days
Parameters
ibanstringEE382200221020145685required
dateFromdate2026-01-01required
dateTodate2026-01-31required
Response
summary.ibanstring
summary.dateFromdate
summary.dateTodate
summary.totalTransactionsinteger
summary.perCurrency[]CurrencyTotal[]
summary.topCounterparties[]CounterpartyTotal[]
summary.truncatedboolean
REST API
Accounts & transactions endpoints
Direct HTTP, OpenAPI
OAuth2 JWTGet API tokens
2 endpoints
accounts:read
All accounts with current balances
Response
[].ibanstring
[].currencystring
[].availableBalancenumber
[].typestring
[].namestring
transactions:read
Paginated transaction statement
Parameters
ibanstringEE382200221020145685required
dateFromdate2026-01-01required
dateTodate2026-01-31required
pageinteger0optional
sizeinteger100optional
Response
transactions[].transactionIdstring
transactions[].amountnumber
transactions[].currencystring
transactions[].valueDatedate
transactions[].counterpartyNamestring
transactions[].descriptionstring
pageinteger
sizeinteger
totalElementsinteger
totalPagesinteger
Common questions.
Yes, it's built and maintained by LHV, under the same security standards and banking secrecy rules as your internet bank.
No. This connection is strictly read-only.
Any tool that supports the MCP standard. The list is constantly growing.
Log in to your LHV internet bank, go to Settings → Active sessions, and disconnect any tool instantly.
Public beta is free with your existing LHV account. Your AI tool may have a fee.
Not a customer yet?Sign up