Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, idempotent behavior. The description adds that the tool uses 'OpenIBAN' as a data source and that spaces are stripped automatically (from schema), but does not disclose any additional behavioral traits beyond what annotations and schema provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.