Skip to main content
Glama

openfinance_list_accounts

Read-onlyIdempotent

Returns accounts for a bank connection: BANK (checking/savings) and CREDIT (credit card) with balance, number, type, subtype, bankData, and creditData. Also returns bank (the brand/connector name like 'Nubank Empresas' — same shown in the dashboard UI) and connector_id. Note: each account's name is the legal entity that issues the account (e.g. 'Nu Pagamentos S.A. - Instituição de Pagamento'), which is not the same as the brand — when referring to the bank in user-facing text, use bank. OMIT item to list accounts across ALL linked banks at once — the response aggregates every connection's accounts into results, each row tagged with its own bank/connector_id/item_id (use this when the user asks for 'my accounts/cards' without naming a bank). Pass item to target a single bank (response carries bank/connector_id/item_id at the root). CREDIT (credit card) balance: its meaning is CONNECTOR-DEPENDENT — some banks report the current open-bill partial, others the full revolving/installment debt — so do NOT treat balance as 'this month's bill'. The open billing cycle is defined by creditData.balanceCloseDate (when it closes) / balanceDueDate (when it's due). For a standardized open-bill amount and total debt that mean the same across connectors, use openfinance_list_credit_card_bills (open_bill + total_pending_debt, derived from PENDING transactions); closed bills come from that same tool's results. A CREDIT row may carry creditData.usedAmount (how much of THIS card's limit the bank reports as consumed) and a balance_notice. balance_notice means balance came back 0,00 while the bank's own payload indicates an outstanding amount — some issuers never fill the card's consolidated balance field. When it is present, do NOT tell the user the card has nothing to pay: read the amount from openfinance_list_credit_card_bills instead. bankData.closingBalance and automaticallyInvestedBalance are provider-reported extras that can LAG right after a connection is first created: the bank may publish the connection as UPDATED before those derived fields converge, so they can briefly carry a stale/phantom value that a force sync (openfinance_force_sync) reconciles. The account's own balance is authoritative — treat those two as hints until they agree with it. May include a provider_incident block when the Open Finance provider has an OPEN incident affecting a bank in this response: balances and credit limits may be unreliable (incomplete or wrong, e.g. a credit limit near 1,00) even with the connection UPDATED, until the provider recovers. Do not present those values as real. May include an identity_notice when the SAME account (same number) arrives via two connections stamped with DIFFERENT owner/taxNumber: in Open Finance those fields reflect each connection's CONSENT HOLDER (e.g. a joint account consented by both holders), so dedupe by account number before summing balances and do not attribute ownership by owner/taxNumber for those accounts.

Bulk support: accepts item_ids for batched execution.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
item_idNo
item_idsNo

TDQS

A4.7/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Even with readOnlyHint and idempotentHint annotations, the description adds substantial behavioral context beyond structured data: connector-dependent CREDIT balance semantics, balance_notice meaning, lagging bankData fields, provider_incident reliability warnings, and identity_notice dedup instructions. Nothing contradicts the annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with the main return shape and is information-dense, but it is exceptionally long. Several caveats (balance_notice, bankData lag, provider_incident, identity_notice) could be condensed or grouped, and the repeated pointers to openfinance_list_credit_card_bills make it less concise than it could be.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given no output schema and a complex financial domain, the description covers response fields, parameter behavior, cross-tool references, edge cases, and data reliability issues. An agent has enough context to call the tool correctly and interpret ambiguous or dangerous response states.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, so the description carries the full burden. It clearly explains `item` (single bank), omission of `item` (all banks), and `item_ids` (bulk support), and the BANK/CREDIT type enum is mirrored in the feature explanation. However, the singular `item_id` parameter is not explicitly differentiated from `item`, leaving a small ambiguity.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description uses a specific verb ('Returns') and names the exact resource and fields ('accounts for a bank connection: BANK ... and CREDIT ... with balance, number, type, subtype, bankData, and creditData'). It clearly distinguishes the tool's scope from related list tools, especially openfinance_list_credit_card_bills, so an agent can understand what this tool provides.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives explicit when-to-use guidance: omit `item` for all linked banks, pass `item` for a single bank, and use openfinance_list_credit_card_bills when the user needs standardized open-bill amounts. It also names alternatives for force sync reconciliation and bill details, making the routing decision nearly unambiguous.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Try in Browser

Glama MCP Gateway

Add one secure layer between your agents and this server.

TDQS

A3.8/5.0
Disambiguation3/5

The openfinance_* tools are mostly distinct, but several have overlapping boundaries: openfinance_list_transactions vs openfinance_list_transactions_by_item, openfinance_get_item_status vs openfinance_provider_status, and openfinance_list_accounts carrying balance vs openfinance_get_account_balance. The platform-level tools also blur somewhat: marketplace, toolkit_info, and connect all touch installed or available services.

Naming Consistency3/5

The openfinance_* group follows a consistent list/get/update verb pattern in snake_case, but platform-level tools like authenticate, connect, marketplace, report_bug, show_version, and toolkit_info break that convention. The set is readable, but it is split between two clearly different naming styles.

Tool Count3/5

At 25 tools, the server is at the heavy end, and several are platform/MCP-management helpers rather than core banking capabilities. The count is not absurd for a broad Open Finance + marketplace adapter, but it feels more cluttered than a focused financial data toolset should be.

Completeness4/5

The Open Finance surface is thorough: accounts, transactions, balances, credit card bills, loans, investments, connection lifecycle, sync, provider status, and category correction are all covered. The main gaps are the absence of a direct connect/create action (only URLs are returned) and no write operations beyond category updates, but for a read-centric financial data adapter this is close to complete.