Monobank vs Ref Tools Ref Tools MCP
A side-by-side look at the Monobank and Ref Tools Ref Tools MCP MCP servers: transport, auth, tools, quality signals, and the config to install either one in Claude, Cursor, Windsurf or VS Code.
Verdict: choose Monobank for finance & fintech work as a local process; choose Ref Tools Ref Tools MCP for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
Which MCP server should you choose?
Choose Monobank when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- Its auth model fits you: API key required.
- You have the keys it needs:
MONOBANK_API_TOKEN. - You want tools like
get_currency_rates, get_client_info, get_statement.
Choose Ref Tools Ref Tools MCP when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You have the keys it needs:
REF_API_KEY. - You want tools like
query, url.
Feature & specification comparison
Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 64/100 · Good | 63/100 · Good |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | API key required | Not declared |
| Pricing | Free | Not declared |
| Required env vars | MONOBANK_API_TOKEN | REF_API_KEY |
| Verified owner | Community listing | Community listing |
| GitHub stars | 11 | 1,183 |
| Directory activity | 5 views 0 installs 0 upvotes | 2 views 0 installs 0 upvotes |
| Tools | 3 | 2 |
| Full listing | View Monobank | View Ref Tools Ref Tools MCP |
Tools & capabilities
Monobank tools 3
get_currency_ratesGet the list of currency exchange rates from Monobank. This is a public endpoint and does not require an API token. Monobank permits only one request per 5 minutes, so the response is cached in memory for 5 minutes: calls made within that window return the cached rates instead of failing with a rate-limit error.get_client_infoGet information about the client together with the list of their accounts and jars. Requires the MONOBANK_API_TOKEN environment variable. Monobank permits only one request per 60 seconds, so the response is cached in memory for 60 seconds: calls made within that window return the cached data instead of failing with a rate-limit error. All monetary amounts are returned in currency units, not in cents. The account and jar identifiers returned by this tool can be passed to get_statement.get_statementGet the Monobank statement for an account or jar between the {from} and {to} dates. Requires the MONOBANK_API_TOKEN environment variable. The maximum period for which a statement can be obtained is 31 days + 1 hour (2682000 seconds). Monobank permits only one request per 60 seconds, so every distinct account/date-range request is cached in memory for 60 seconds: repeating the same request within that window returns the cached statement instead of failing with a rate-limit error. All monetary amounts are returned in currency units, not in cents.
Ref Tools Ref Tools MCP tools 2
queryurl
Ready-to-paste client configs
Paste either block (or both) into your client config, e.g. claude_desktop_config.json or ~/.cursor/mcp.json. We only show a config when the install command is confirmed.
Monobank
{
"mcpServers": {
"monobank": {
"command": "npx",
"args": [
"monobank-mcp-server"
],
"env": {
"MONOBANK_API_TOKEN": "YOUR_MONOBANK_API_TOKEN_HERE"
}
}
}
}
Ref Tools Ref Tools MCP
{
"mcpServers": {
"ref-tools-ref-tools-mcp": {
"command": "npx",
"args": [
"ref-tools-mcp@latest"
],
"env": {
"REF_API_KEY": "YOUR_REF_API_KEY_HERE"
}
}
}
}
Frequently asked questions
Monobank is categorized under Finance & Fintech and uses a local stdio subprocess. Ref Tools Ref Tools MCP belongs to Finance & Fintech and uses a local stdio subprocess. Pick Monobank for finance & fintech work and Ref Tools Ref Tools MCP for finance & fintech.
Copy the mcpServers block from the config section on this page into your client's config (for example claude_desktop_config.json or ~/.cursor/mcp.json), then fully restart the client.
Monobank is listed as free. Auth: api key required. Ref Tools Ref Tools MCP has no declared pricing — check the project's own site. If a server needs environment variables such as API keys, define them under the env key in your client's MCP config.
Yes. MCP clients support multiple servers: add monobank and ref-tools-ref-tools-mcp as separate keys in the same mcpServers object, and your assistant will call tools from either one.
On AllMCPs, Monobank has a quality signal of 64/100 (Good) with 5 views, 0 installs and 11 GitHub stars. Ref Tools Ref Tools MCP has 63/100 (Good) with 2 views, 0 installs and 1,183 GitHub stars.