List all Monzo accounts with their types and IDs.

Returns account details including whether each is personal or joint, and whether it is open or closed.

Get current balance for a Monzo account.

Args: account_type: "personal" or "joint" (default: "personal")

Returns balance, spend today, and currency. Also records a balance snapshot.

List all pots (savings buckets) for a Monzo account.

Args: account_type: "personal" or "joint" (default: "personal")

Returns the account the pots belong to, plus pot names and balances. Also records balance snapshots.

Sync transactions, balances, and pots from the Monzo API into the local cache.

Fetches up to 11 months of history (within SCA window) or falls back to the last-synced timestamp / 90 days. Handles pagination and auth-hold deduplication automatically.

Args: account_type: "personal", "joint", or None to sync all accounts since: Optional ISO date ("2026-01-01") or datetime ("2026-01-01T14:30:00Z") to start the backfill from, overriding last-sync resumption. Reaching beyond ~90 days only works inside the post-auth SCA window.

List transactions from the local cache.

Auto-syncs if the cache is stale (last sync before today).

Queries the synced transaction database, not the live API. Bank transfers (faster payments, p2p, bacs) include a counterparty object with the payee name and, where the scheme provides them, sort code and account number.

Returns {"account_type": ..., "transactions": [...]}, where account_type echoes the filter applied and is null when unfiltered.

Args: account_type: "personal" or "joint" (default: all) since: Start date in ISO format, e.g. "2026-01-01" (inclusive) before: End date in ISO format, e.g. "2026-02-01" (exclusive) category: Exact category match, e.g. "groceries", "eating_out", "transport" merchant: Merchant name search (case-insensitive, partial match) limit: Max results (default 50)

Search cached transactions by merchant, counterparty (payee), description, or notes.

Auto-syncs if the cache is stale (last sync before today).

Case-insensitive partial match across merchant_name, counterparty_name, description, and notes fields. Counterparty matching finds bank transfers (faster payments, p2p, bacs) by payee name.

Returns {"account_type": ..., "transactions": [...]}, where account_type echoes the filter applied and is null when unfiltered.

Args: query: Search term account_type: "personal" or "joint" (default: all) since: Start date in ISO format (inclusive) before: End date in ISO format (exclusive) limit: Max results (default 30)

Analyse spending from cached Monzo transactions.

Auto-syncs if the cache is stale (last sync before today).

Every result carries account_type, echoing the filter applied and null when unfiltered, so a zero total says which account it measured.

Args: month: Month in YYYY-MM format (default: current month) category: Filter by category, e.g. "groceries", "eating_out", "transport" account_type: "personal" or "joint" (default: all) detail: If true, return individual transactions instead of category summary