By Rainer Selvet ·
Couple of days ago, I saw someone sharing that LHV, an Estonian bank I’m using, now supports MCP integration.
It was a very timely discovery since I already wanted to run my regular mid-year personal finances review. Since I do daily banking via LHV, it would have meant manually exporting monthly CSV statements and running an analysis on them. Not incredibly time consuming of course, but I decided to give the LHV MCP a quick try to see if it would speed up the process.
What it exposes
The MCP server (https://mcp.lhv.ai/mcp) provides read-only access to accounts, balances and transactions through three tools: list_accounts(), get_balances(iban), and get_account_statement(iban, dateFrom, dateTo, limit, includeReservations, includeBalances). There’s also a plain REST API (https://api.lhv.ai/api/v1) covering the same data, if you’re working with something that isn’t MCP-compatible.
Setting it up
My harness of choice is Claude Code, and getting started was as easy as:
claude mcp add lhv --transport http https://mcp.lhv.ai/mcp
claude mcp login lhv
LHV also supports Claude.ai directly (Customize → Connectors), plus Cursor and Zed, if that’s closer to your setup. It’s in public beta, free for existing LHV customers, and the whole thing takes about two minutes end to end.
Authentication and access
During the setup, a typical authentication flow is presented (Smart-ID, mobile-ID, ID-card, biometrics) over OAuth2, with access tokens expiring in 1 hour. The refresh token lasts 30 days, so it’s not something you’re redoing constantly. Access is scoped narrowly to accounts:read and transactions:read — there’s no path to actually moving money through this — and every request gets logged. If you ever want to pull the plug, it’s a normal revocation from Settings → Active sessions in the internet bank.
Running the review
In short, it does pretty much what I expected. Getting a yearly spending review was a matter of asking that from Claude directly, upon which it triggers the list_accounts() and get_account_statement(iban, dateFrom, dateTo, ...) functions.
While the time saved from manual data exports from the bank is nice, what’s more interesting are the automation possibilities it enables for keeping track of personal finances at a more regular, automated, ambient cadence.
You can read more about the MCP and get started via https://lhv.ai/.
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