Most tools are clearly distinct: accounts, balances, transactions, and pots each have separate operations. The only minor overlap is between list_transactions and search_transactions, though the search tool's merchant/description filtering gives it a different purpose.

Tool names follow a consistent snake_case verb_noun pattern throughout, such as list_accounts, get_balance, and annotate_transaction. Even multi-word actions like deposit_to_pot and withdraw_from_pot follow a predictable and readable structure.

Nine tools is a well-scoped size for a personal banking API server. Each tool covers a distinct core operation without unnecessary bloat, and the set feels appropriately bounded for the domain.

The toolset covers account listing, balance checks, transaction viewing/searching/annotating, and pot deposits/withdrawals, which covers most common Monzo workflows. It lacks pot creation/deletion and account-level transfers, but these are reasonable minor gaps rather than critical dead ends.