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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

Schema Changelog

Changes observed during successful MCP inspections. Dates show when Glama detected each change.

  1. Added
  2. Removed
  3. Changed2 schema fields changed
    • addedInput schema / properties / item_id
      Added value: +{
      +  "type": "string"
      +}
    • addedInput schema / properties / item_ids
      Added value: +{
      +  "items": {
      +    "type": "string"
      +  },
      +  "type": "array"
      +}
  4. Added
  5. Removed
  6. First observed

TDQS

A4.8/5.0
Behavior5/5

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

Beyond the readOnly/idempotent/destructive annotations, the description reveals important behavioral traits: balance semantics vary by connector, `balance_notice` indicates misleading zero balances, derived fields can lag and be stale, provider incidents make values unreliable, and identity notices require deduplication. These are substantial and non-obvious behavioral disclosures that an agent needs to handle responses correctly.

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

Conciseness4/5

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

The description is long but front-loaded with the core result and then systematically covers critical edge cases. Every paragraph adds meaningful guidance about usage, data reliability, or response interpretation. It is not concise in word count, but it is dense and well-organized for a tool with many caveats; a slightly tighter structure would improve it.

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?

With no output schema, the description carries the full burden of explaining return values and their semantics, and it does so thoroughly: field meanings, bank naming, filtering behavior, credit bill caveats, stale data, incidents, identity notices, and bulk support. It also references related tools for complementary data. An agent has enough context to call the tool and interpret results appropriately.

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?

The input schema has 0% description coverage, so the description must compensate. It does explain `item` vs `item_ids` well and clarifies the meaning of BANK and CREDIT account categories. However, it does not explicitly explain the singular `item_id` parameter or state that `type` acts as a filter, leaving some parameter semantics partially inferred rather than fully documented.

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 states a specific verb and resource: 'Returns accounts for a bank connection' with account types, fields, and aggregating behavior. It also distinguishes itself from related tools like openfinance_list_credit_card_bills and openfinance_get_account_balance by describing what this tool uniquely provides. The purpose is immediately clear even among many sibling tools.

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` to list accounts across all linked banks when the user asks for 'my accounts/cards' without naming a bank, and pass `item` to target a single bank. It also names alternatives such as openfinance_list_credit_card_bills and openfinance_force_sync for specific situations, and warns against misinterpreting balances. This leaves little to inference.

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

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TDQS

A3.9/5.0
Disambiguation3/5

Most openfinance_* tools are clearly separated by resource and action, and the long descriptions help, but several pairs can trip up an agent: authenticate/connect both deal with login/connection state, openfinance_list_transactions and openfinance_list_transactions_by_item sound nearly identical, and marketplace internally exposes report_bug/list_tools functions that also exist as top-level tools. This is more than a single ambiguous edge.

Naming Consistency3/5

The 19 openfinance_* tools follow a clean get_/list_/update_ pattern and are easy to navigate, but the platform-level tools break the convention: authenticate, connect, marketplace, toolkit_info, report_bug, and show_version mix bare verbs, nouns, and noun-noun compounds. The pattern is not chaotic, but it is definitely mixed.

Tool Count3/5

25 tools is on the heavy end of the borderline range and is a large working set for an agent. The openfinance tools are individually justified and support batching, but the extra platform/marketplace tools add scope and some redundancy with report_bug and toolkit_info.

Completeness5/5

For a bank-data aggregation server, the surface is complete: connector discovery, linking/reconnecting/disconnecting, account lists and details, balances, transactions, categorization, credit-card bills, investments, loans, sync status, and provider health are all covered. There are no obvious dead ends in the main workflows.