Monobank

Use this skill when the user asks about Monobank balances, for example:

• "сколько денег у меня на монобанке?"
• "баланс mono"
• "monobank accounts"

Privacy First

Call the Monobank API directly. Do not route real user balances through a hosted MCP or proxy.

The user's monobank_token is required for each request. Never store it in files, env vars, memory, directives, logs, summaries, or future context.

If the token is missing, answer:

Нужен API token monobank. Получить можно тут: https://api.monobank.ua/

API Call

Call:

GET https://api.monobank.ua/personal/client-info
X-Token: <monobank_token>
Accept: application/json

Use an HTTP/fetch tool that can pass headers without printing them. Do not put the token into visible shell command lines, logs, URLs, or final answers.

If direct HTTP access is unavailable, say that an HTTP-capable tool/runtime is needed. Do not fall back to hosted MCP for real balances unless the user explicitly asks for that.

Rate Limits and Errors

• 401 or 403: say the Monobank API token was not accepted.
• 429: say Monobank allows this endpoint no more than once per 60 seconds per token.
• Network or 5xx: say Monobank API did not return the balance right now.
• Never include raw API errors if they contain identifiers or token material.

Data Handling

Amounts are minor units. Divide by 100 and show two decimals.

Currency codes:

• 980 -> UAH
• 840 -> USD
• 978 -> EUR
• unknown -> ISO-4217:<code>

For each account:

• Label: <type> **** <last4> using maskedPan[0].
• If there is no maskedPan, use a safe label like <type> or masked IBAN IBAN UA12...3456.
• Do not expose raw account IDs, send IDs, full IBANs, client ID, webhook URL, or token.

Credit-account semantics:

• Monobank raw balance means available amount with credit already included.
• If creditLimit > 0, real account balance is balance - creditLimit.
• If creditLimit == 0, real account balance is balance.
• доступно с кредитными is raw balance.

Jars:

• Show jars separately after accounts.
• Format: Банка <title>: <balance> из <goal>.
• Omit из <goal> if no goal is present.

Response Format

Keep the response concise. Use this exact style:

Monobank:

platinum **** 1286: баланс -42340.34 UAH; кредитный лимит 80000.00 UAH; доступно с кредитными 37659.66 UAH.
white **** 5708: баланс 4102.17 UAH; доступно 4102.17 UAH.
black **** 7760: баланс 3.99 USD; доступно 3.99 USD.
black **** 2025: баланс 0.77 EUR; доступно 0.77 EUR.

Банка Фонд Meta Gamers: 0.97 UAH из 10000.00 UAH.
Банка На подарки: 9.49 UAH из 40000.00 UAH.