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Give ChatGPT a bank account and a card.

Add the Navoka endpoint to ChatGPT. It can then ask Navoka to pay, buy and send — inside limits you set.

Connect ChatGPTOr start a chat
https://mcp.navoka.comChatGPT never sees a card number. It asks; Navoka pays; you approve.

Three steps.

  1. 1

    Nothing to set up first.

    You don't need a Navoka account before you connect. Sign in when your assistant asks; if you have no account, that sign-in creates one. When you want the IBAN and card, verify your ID once, inside the conversation — or import it from Wirex One.

  2. 2

    Add Navoka to ChatGPT.

    Copy the URL, then add it in ChatGPT — four steps, below.

  3. 3

    Set your limits, then just ask.

    Monthly budget, approve-above threshold, allowlist — in Navoka, not in ChatGPT. Then: "Pay this invoice."

Add Navoka to ChatGPT.

  1. Copy the URL.

    https://mcp.navoka.com

  2. Turn on Developer mode.

    On ChatGPT web, go to Settings → Security and login and switch on Developer mode. This has to be done on the web — Developer mode isn't in the mobile app.

    Open ChatGPT Settings

  3. Create the plugin.

    In Plugins, choose Browse plugins, then + and New Plugin. Name it "Navoka", choose Server URL and paste the URL from step 1. Authentication: OAuth — don't leave "No Auth" selected.

  4. Save and connect.

    Save the plugin, press Connect, and sign in to Navoka to authorize it.

The endpoint
https://mcp.navoka.com

# one URL for every assistant.
# Sign in once when your assistant asks; that's the connection.
https://mcp.navoka.com

Try saying.

1 — hotel, held
You (in ChatGPT)Book two nights near Plaza Mayor for 3–5 Nov, four stars, under €300.
ChatGPTAsking Navoka to book Hotel Europa, €278 on Booking.com…
€278, above your €250 threshold — held. Approve here, or in Telegram.
Approved by you · 16:03 · €278 paid on agent card ••4412 · Booking.com.
2 — transfer, inside the rules
Send £450 to my sister for the deposit.
£450 to Anna Reid — known payee, under £500. Faster Payments, no fee. Sent.
3 — payroll batch
Pay the three contractors on this sheet on the 28th.
3 rows, $7,350 total, all known payees. Scheduled for 28 Oct, one approval for the batch.

Your limits apply everywhere.

Your assistant can

  • Ask Navoka to pay an invoice, buy something, send money or schedule a payout.
  • Read the ledger — what was paid, under which rule, approved by whom.
  • Read your limits, so it knows what will be held before it asks.

Your assistant cannot

  • See a card number or a full IBAN. The agent holds a token, never a PAN.
  • Change a limit. Limits are set by you, outside its reach.
  • Approve its own payment. Approval is yours — in the assistant, in chat, or on the web.

Disconnect in one tap. Card frozen, rules paused, assistant unlinked.Limits and approvals

Questions.

Does this work in the ChatGPT app or only on the web?
Setup is web-only: Developer mode and the New Plugin form aren't in the mobile app. Once the plugin is saved and connected, it's there wherever you use ChatGPT signed in to the same account. Approvals aren't tied to ChatGPT at all: approve a held payment in ChatGPT, in Telegram or on the web.
Which ChatGPT plan do I need?
Custom plugins require a ChatGPT plan with Developer mode. Navoka itself has no plan requirement; the account, the card and the limits are the same whichever ChatGPT plan you're on. If your plan can't add connectors yet, message Navoka on Telegram instead — same account, same limits, nothing to install.
Can ChatGPT approve a payment by itself?
No. Approval is yours and happens outside ChatGPT's reach. ChatGPT can ask Navoka to pay and can read the result, but a payment above your threshold or to a new payee is held until you tap Approve — in ChatGPT, in Telegram or on the web. ChatGPT also cannot change your limits.

Connect ChatGPT.

Copy the endpointOr start a chat

Using Claude instead? Using Grok instead?