LHV.ai

LHV.ai

3 min read Original article ↗

Your LHV 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.

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. 1

    Open connector settingsOn chatgpt.com, go to Settings → Security and login, then enable Developer Mode.

  2. 2

    Create the connectorGo to Settings → Plugins → Browse plugins, click +, name it LHV, and paste in the server URL.

  3. 3

    Use LHV in chatSelect LHV from the tool selector in the message composer.

Set up on chatgpt.com, then it's available in the desktop and mobile apps too. Available on every plan.

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?

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?

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_account_statement · 01.03 – 31.03.2026

Which subscriptions renewed this week?

Three subscriptions renewed this week: Spotify (10,99 €), iCloud+ (2,99 €) and Netflix (12,99 €) — 26,97 € in total.

Sourced from: get_account_statement · this week

Three tools.
Every banking question.

Your AI assistant picks the right one automatically based on what you ask.

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

3 tools

All accounts — IBAN, currency, available balance

Response

accounts[].ibanstring

accounts[].currencystring

accounts[].availableBalancenumber

accounts[].typestring

accounts[].namestring

Available, settled, and reserved balance for one IBAN

Parameters

ibanstringEE382200221020145685required

Response

balances[].ibanstring

balances[].currencystring

balances[].availableBalancenumber

balances[].settledBalancenumber

balances[].reservedBalancenumber

Structured JSON account statement with transactions, card reservations, and optional balances

Parameters

ibanstringEE382200221020145685required

dateFromdate2026-01-01required

dateTodate2026-01-31required

limitinteger50optional

includeReservationsbooleantrueoptional

includeBalancesbooleantrueoptional

Response

statement.ibanstring

statement.transactions[]AshTransaction[]

statement.reservations[]AshReservation[]

statement.balances[]AshBalance[]

statement.hasMoreboolean

REST API

Accounts & transactions endpoints

Direct HTTP, OpenAPI

2 endpoints

All accounts with current balances

Response

[].ibanstring

[].currencystring

[].availableBalancenumber

[].typestring

[].namestring

Structured JSON account statement with transactions and card reservations

Parameters

ibanstringEE382200221020145685required

dateFromdate2026-01-01required

dateTodate2026-01-31required

limitinteger50optional

includeReservationsbooleantrueoptional

includeBalancesbooleantrueoptional

Response

ibanstring

transactions[].transactionTypeAshTransactionType

transactions[].settlementDtimedatetime

transactions[].descriptionstring

transactions[].directionstring

transactions[].amountnumber

transactions[].currencystring

reservations[]AshReservation[]

balances[]AshBalance[]

hasMoreboolean

Refresh an access token

Exchange a valid refresh token for a new access token.

curl -X POST https://auth.lhv.ai/oauth2/token \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "grant_type=refresh_token" \
  -d "refresh_token=<refresh_token>" \
  -d "client_id=api-access"

Common questions.

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