Starling Bank MCP
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TDQS
Scored across 54 tools
Most tools have clearly distinct purposes (e.g., list_transactions vs list_settled_transactions vs get_feed_changes_since), and descriptions provide guidance. However, some overlap exists: get_savings_goal vs get_savings_goal_recurring_transfer, and multiple payment history tools (list_payment_order_payments, list_payee_payments) require careful differentiation. With 54 tools, some ambiguity is inevitable, but it's manageable.
The vast majority of tools follow a consistent verb_noun pattern (list_*, get_*, check_*, export_*, download_*). A few tools break the pattern slightly (e.g., get_financial_overview, summarise_spending, find_recurring_payments use non-standard verbs but remain descriptive), and there's a mix of British and American spellings (summarise vs list) but overall consistency is high.
54 tools for a banking API is heavy and may overwhelm an agent, though each tool targets a distinct resource or operation. The count is borderline excessive; consolidation of some read-only tools (e.g., separate getters for account holder details by type) would improve usability.
The surface covers a wide range of banking operations: accounts, transactions, payments, direct debits, standing orders, savings goals, spaces, cards, payees, and user profiles. However, there are notable gaps: no tools for creating payees, creating direct debit mandates, or updating spending categories (recategorisation is only mentioned in list_spending_categories). Also, no tool for making payments is explicitly present (only checking payment orders), which seems like a core missing operation.