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partymola

monzo-mcp

monzo-mcp

CI License: GPL v3 Python 3.13+ Glama MCP Server

MCP-Server für die Monzo-Banking-API. Schreibgeschützter Zugriff auf Konten, Guthaben, Pots, Transaktionen und Ausgabenanalyse – alles über Claude Code oder einen beliebigen MCP-Client.

Im Gegensatz zu anderen Monzo-MCP-Implementierungen, die rohe Bearer-Tokens verwenden (die nach 6 Stunden ablaufen), unterstützt dieser Server vollständiges OAuth mit automatischer Token-Aktualisierung.

Funktionen

  • 7 schreibgeschützte Tools – keine Schreiboperationen, keine Geldbewegungen

  • OAuth mit Auto-Refresh – Tokens werden automatisch erneuert, keine manuelle Neugenerierung

  • Lokaler Transaktions-Cache – SQLite-Datenbank, die Monzos 90-Tage-SCA-Fenster übersteht

  • Automatische Synchronisierung bei Bedarf – Die Cache-lesenden Tools führen automatisch eine inkrementelle Synchronisierung durch, wenn der Cache heute noch nicht synchronisiert wurde; so müssen Sie monzo_sync kaum noch von Hand aufrufen

  • Ausgabenanalyse – Aufschlüsselung nach Kategorien, Top-Händler, Monatsvergleich

  • Transaktionssuche – Suche nach Händler, Zahlungsempfänger (Counterparty), Beschreibung oder Notizen im gesamten Cache-Verlauf

  • Zahlungsempfänger-Details – Banktransfers (Faster Payments, p2p, Bacs) werden mit Name, Sort Code und Kontonummer des Empfängers im Cache abgelegt

Related MCP server: monzo-mcp

Tools

Tool

Beschreibung

Datenquelle

monzo_list_accounts

Konten mit Typen und IDs auflisten

Live-API

monzo_get_balance

Aktuellen Kontostand und heutige Ausgaben abrufen

Live-API

monzo_list_pots

Spar-Pots und Guthaben auflisten

Live-API

monzo_sync

Transaktionen in den lokalen Cache synchronisieren

Live-API -> SQLite

monzo_list_transactions

Gecachte Transaktionen auflisten/filtern

Lokaler Cache (Auto-Sync bei veralteten Daten)

monzo_search_transactions

Suche nach Händler/Empfänger/Beschreibung/Notizen

Lokaler Cache (Auto-Sync bei veralteten Daten)

monzo_spending

Ausgabenanalyse mit Kategorie-Aufschlüsselung

Lokaler Cache (Auto-Sync bei veralteten Daten)

Voraussetzungen

  • Python 3.13+

  • uv (empfohlen) oder pip

  • Ein Monzo-Konto, das auf developers.monzo.com einen OAuth-Client registriert hat

Installation

git clone https://github.com/partymola/monzo-mcp.git
cd monzo-mcp
uv venv --python 3.13 .venv
uv pip install -e .

Dieses Paket ist nicht auf PyPI veröffentlicht – der Name wird von einem unabhängigen Projekt verwendet. Stattdessen wird ein Container-Image veröffentlicht; siehe Docker.

Einrichtung

1. Einen Monzo-OAuth-Client registrier

Rufen Sie developers.monzo.com auf und legen Sie einen OAuth-Client an:

  • Setzen Sie die Redirect-URL auf http://localhost:6600/callback

  • Notieren Sie sich Ihre Client ID und Ihr Client Secret

2. Authentifizieren

monzo-mcp auth

Dadurch wird Ihr Browser für die Monzo-OAuth-Autorisierung geöffnet. Nach der Autorisierung bestätigen Sie die Anmeldung innerhalb von 5 Minuten in Ihrer Monzo-App, um vollständigen Zugriff auf den Transaktionsverlauf zu erhalten (Monzos SCA-Fenster).

3. Bei Claude Code registrieren

claude mcp add -s user monzo -- /path/to/monzo-mcp/.venv/bin/monzo-mcp

Unter Windows befindet sich das Konsolen-Skript unter .venv\Scripts\monzo-mcp.exe.

4. Erste Synchronisierung

Führen Sie in Claude Code monzo_sync aus, um den lokalen Transaktions-Cache zu befüllen. Tun Sie das unmittelbar nach der Authentifizierung, um das SCA-Fenster auszunutzen (bis zu 11 Monate Verlauf).

Docker

Die Images werden unter ghcr.io/partymola/monzo-mcp veröffentlicht. Tags tragen ein v-Präfix (:vX.Y.Z), und :latest folgt dem neuesten Release.

Der Container benötigt ein Volume. Anmeldedaten und der Transaktions-Cache liegen unter /data; wenn dort nichts eingebunden wird, startet der Container trotzdem, aber jedes Tool meldet, dass es nicht konfiguriert ist, und alles, was Sie autorisieren, geht verloren, sobald der Container ersetzt wird.

Registrieren Sie zuerst einen OAuth-Client wie in Einrichtung Schritt 1 beschrieben – auth fragt nach Client ID und Secret, und es gibt keine Möglichkeit, diese später anzugeben. Die Redirect-URL ist http://localhost:6600/callback, identisch zu einer Installation aus denQuellcode.

Authentifizieren Sie sich einmal in einem benannten Volume. Entscheiden Sie vor der Ausführung, ob Sie stattdessen einen Bind-Mount verwenden möchten – ein späterer Wechsel bedeutet, dass Sie sich erneut authentifizieren müssen:

docker volume create monzo-mcp-data
docker run --rm -it \
  -v monzo-mcp-data:/data \
  -p 127.0.0.1:6600:6600 \
  ghcr.io/partymola/monzo-mcp:latest auth

Der veröffentlichte Port wird nur für diesen Schritt benötigt, damit der OAuth-Redirect den Container erreichen kann. Die Bindung an 127.0.0.1 hält den Callback-Listener aus Ihrem Netzwerk heraus. Es öffnet sich kein Browser – der Container hat keinen –, kopieren Sie also die ausgegebene URL. Bestätigen Sie danach die Anmeldung innerhalb von 5 Minuten in Ihrer Monzo-App (siehe Monzo-SCA-Fenster).

Registrieren Sie anschließend den Server und verwenden Sie dabei dasselbe Volume:

claude mcp add -s user monzo -- \
  docker run --rm -i -v monzo-mcp-data:/data ghcr.io/partymola/monzo-mcp:latest

-i ist erforderlich – der Server spricht JSON-RPC über stdin und stdout.

Synchronisieren Sie sofort. Der 11-Monate-Backfill schließt 5 Minuten nach der Bestätigung in der Monzo-App (siehe Monzo-SCA-Fenster), und dieser Weg ist länger als eine Installation aus dem Quellcode. Rufen Sie monzo_sync daher auf, sobald der Server registriert ist. Wenn Sie das verpassen, erhalten Sie stillschweigend nur 90 Tage – ohne Fehlermeldung.

Um die Dateien an einem lesbaren Ort zu lagERN, verwenden Sie einen Bind-Mount anstelle eines benannten Volumes. Der Container läuft root und schreibt Anmeldedaten mit Rechten nurfür den Besitzer. Ohne --user gehören diese Dateien also are.

mkdir -p ~/monzo-mcp-data/config
docker run --rm -it \
  -v ~/monzo-mcp-data:/data \
  --user $(id -u):$(id -g) \
  -p 127.0.0.1:6600:6600 \
  ghcr.io/partymola/monzo-mcp:latest auth

Übergeben Sie dieselben -v- und --user-Parameter an den Serverbefehl. Erstellen Sie das Verzeichnis zuerst – --user schlägt bei einem benannten Volume fehl, weil Dasvolume aus dem Image mit root als Besitzer initialisiert wird.

CLI

monzo-mcp              Start the MCP server (stdio transport)
monzo-mcp auth         Interactive OAuth setup (opens the browser)
monzo-mcp --version    Print the installed package version

Konfiguration

Alle Konfiguration erfolgt über Umgebungsvariablen (optional):

Variable

Standard

Beschreibung

MONZO_MCP_CONFIG_DIR

<package>/config/

Verzeichnis für OAuth-Anmeldedaten und Tokens

MONZO_MCP_DB_PATH

<package>/monzo.db

Pfad zum SQLite-Transaktions-Cache

MONZO_MCP_CALLBACK_HOST

localhost

Schnittstelle, an die der auth-Callback-Server gebunden wird. Die Redirect-URI ist bleibt unberührt

Das Container-Image setzt die ersten beiden unter /data, weil die paketrelativen Standardwerte dort in das lib-Verzeichnis des Interpreters aufgelöst werden, das nicht eingebunden werden kann. Für den dritten Wert wird 0.0.0.0 verwendet, da eruption Port an der Brücken-Netzwerkschnittstelle des Containers ankommt und eine localhost-Bindung ihn ablehnen würde.

Credential-Dateien (erzeugt durch monzo-mcp auth):

  • config/monzo_client.json – OAuth-Client-ID und -Secret

  • config/monzo_tokens.json – Access- und Refresh-Tokens (automatisch aktualisiert)

Monzo-SCA-Fenster

Monzos Strong Customer Authentication (SCA) begrenzt den Zugriff auf den Transaktionsverlauf:

  • Innerhalb von 5 Minuten nach der App-Bestätigung: bis zu ~11 Monate Verlauf

  • Nach Ablauf des Fensters: nur die letzten 90 Tage

Der lokale SQLite-Cache bewahrt alle synchronisierten Transaktionen dauerhaft auf. Führen Sie monzo_sync daher kurze nach monzo-mcp auth aus.

Um einen bestimmten Bereich anzuschließen, übergeben Sie since an mnzo_sync – ein ISO-Datum (2026-01-01) oder ein Datum/Uhrzeit-Wert (2026-01-01T14:30:00Z). Ein Rückgriff über mehr als ~90 Tage funktioniert nur innerhalb des SCA-Fensters; außerhalb werden nur die letzten 90 Tage zurückgegeben.

Ältere Cache-Transaktionenn erhalten neue Felder aus neueren Versionen (z. B. Empfängerdetails bei Banktransfers) nur dann, wenn sie erneut abgerufen werden. Eine vollständige Synchronisation nach der Authentifizierung macht das für den Verlauf, den sie erneut abzieht.

Sicherheit

  • Null Schreibwerkzeuge – kein Geld senden, keine Mittel zwischen Pots verschieben, keine Transaktionen verändern

  • Die Monzo-API selbst kein Geld an externe Konten senden

  • Tokens werden als JSON-Dateien im Verzeichnis config/ gespeichert (gitigniert)

  • Alle API-Aufrufe sind GET-Anfragen mit Bearer-Token-Authentifizierung

Fehlerbehebung

  • „SCA erforderlich“ oder nur 90 Tage Verlauf – führen Sie monzo-mcp auth erneut aus und bestätigen Sie die Anmeldung in der Monzo-App innerhalb von 5 Minuten und synchronisieren Sie dann sofort (siehe SCA-Fenster).

  • Token abgelaufen / keine Aktualisierung – führen Sie monzo-mcp auth erneut aus, um die Autorisierung zu erneuern.

  • „Keine Transaktionsdaten verfügbar“ – der Cache ist leer; rufen Sie nach der Authentifizierung einmal monzo_sync auf (oder ein beliebiges Cache-lesendes Tool, das automatisch synchronisiert).

  • Jedes Tool meldet unter Docker „nicht konfiguriert“, oder die Authentifizierung überlebt keinen Neustart – es ist nichts unter /data eingebunden. Siehe Docker; dasselbe Volume muss sowohl dem auth-Lauf als auch dem Server übergeben werden.

  • auth bleibt nach der Bestätigung bei „Waiting for callback...“ – Der Callback wurde nicht zugestellt. Drücken Sie Ctrl-C und führen Sie ihn erneut aus. Kehren Sie unter Docker, ob der Port veröffentlicht ist (-p 127.0.0.1:6600:6600).

Mitwirken

Siehe CONTRIBUTING.md für die gesamte Entwicklungsumgebung, den Testworkflow und den Pre-Commit-Hook. Änderungen werden in CHANGELOG.md festgehalten.

Lizenz

GPL-3.0-or-later. Siehe LICENSE.

Available Tools

7 tools
monzo_get_balanceA

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_typeNopersonal

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A3.5/5.0
Behavior3/5

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

With no annotations, the description carries the behavioral disclosure burden. It usefully discloses return fields and a side effect: 'Also records a balance snapshot.' However, it omits details about authorization, whether the balance is live/cached, or consequences of the snapshot, leaving material ambiguity for a side-effecting read tool.

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

Conciseness5/5

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

The description is compact, front-loaded with the core action, and structured into Args and Returns sections. Every sentence earns its place and there is no filler.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a single-parameter tool with an output schema, the description is mostly sufficient to invoke correctly. It covers the parameter, the return, and a side effect. However, it lacks usage context and enough detail about the snapshot side effect to feel fully complete.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The description restates the only parameter and its allowed values, which are already present in the schema as an enum with a default. It provides no deeper meaning about what distinguishes personal from joint or how selection works, so it only partially compensates for the absence of schema descriptions.

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: 'Get current balance for a Monzo account.' This clearly distinguishes it from siblings like monzo_list_transactions, monzo_list_accounts, and monzo_spending.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No when-to-use or when-not-to-use guidance is provided. It mentions the account_type default but does not explain how to choose between personal and joint, nor does it point to an alternative sibling for cases where a different tool would be more appropriate.

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

monzo_list_accountsA

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.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.1/5.0
Behavior3/5

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

No annotations present. The description states it returns account details, but does not explicitly confirm it is read-only or disclose potential side effects. For a simple list, default behavior is assumed.

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

Conciseness5/5

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

Two sentences, no wasted words, front-loaded with purpose and key return details.

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?

For a zero-parameter list tool with an output schema, the description sufficiently explains what is returned (type and status), making it complete.

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?

Zero parameters: schema coverage is 100% trivially, and the description adds no param info (as none needed). Baseline of 4 is appropriate per rubric.

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?

Description clearly states verb 'List' and resource 'Monzo accounts', specifying returned details (type, status) that distinguish it from siblings like transaction or balance tools.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No explicit when-to-use or alternatives are provided. Usage is implied from context, but the description lacks direct guidance.

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

monzo_list_potsA

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_typeNopersonal

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.3/5.0
Behavior4/5

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

With no annotations provided, the description carries the behavioral burden. It discloses what the tool returns (account, pot names, balances) and notes an important side effect: "Also records balance snapshots." It does not discuss authentication or rate limits, but for a simple list tool the disclosure is adequate.

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

Conciseness5/5

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

The description is compact and well-structured: purpose comes first, followed by the single argument, then return behavior and side effect. Every sentence earns its place and there is no extraneous content.

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?

For a tool with one optional parameter and an output schema, the description covers purpose, argument semantics, return contents, and the snapshot side effect. Nothing an agent needs to invoke it correctly is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The description restates the schema's enum and default values for account_type without adding deeper meaning, such as when to choose personal versus joint. Since it is the only optional parameter and the schema already defines it clearly, this is sufficient but not additive.

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: "List all pots (savings buckets) for a Monzo account." This clearly distinguishes the tool from the sibling tools, none of which target pots, and the parenthetical clarifies the domain-specific term.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives clear context on what the tool does and documents the account_type choice of personal or joint. It does not explicitly name alternatives or exclusions, but no sibling tool overlaps with listing pots, so the guidance is sufficient for selection.

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

monzo_list_transactionsA

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, e.g. "2026-01-01" (inclusive) before: End date, 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)

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNo
sinceNo
beforeNo
categoryNo
merchantNo
account_typeNo

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.5/5.0
Behavior4/5

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

With no annotations present, the description carries the full burden, and it discloses the most important behaviors: cached-not-live data access, the auto-sync side effect with its staleness threshold, the counterparty enrichment for bank transfers, and the shape of the response envelope. It stops short of a 5 because it does not state what happens if the auto-sync fails (stale data served? error?) or whether results are paginated beyond the limit.

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

Conciseness5/5

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

The description is dense but well-organized: purpose front-loaded in the first line, followed by the cache/sync behavior, the counterparty caveat, the return envelope, and a clean Args block. Every sentence earns its place, and the parameter documentation is scannable rather than prose-heavy.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given that an output schema exists, the description is not obligated to explain return values in detail, yet it still provides the top-level envelope. All six optional parameters are fully documented, and the tool's complexity is moderate. The only material gap is failure behavior during the auto-sync path and the absence of pagination semantics, which keeps this from a 5.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 0%, so the description must document the parameters itself — and it does, exhaustively and with added meaning. It specifies inclusive/exclusive semantics for since/before, exact-match semantics for category, case-insensitive partial-match semantics for merchant, allowed values plus default for account_type, and the max-results behavior for limit, all with concrete examples. This fully compensates for the empty schema descriptions.

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 first line — 'List transactions from the local cache' — pairs a specific verb (list) with a specific resource (transactions) and a scope qualifier (local cache), immediately distinguishing it from siblings such as monzo_get_balance, monzo_list_pots, and monzo_search_transactions. The follow-up 'not the live API' further sharpens the boundary, making the tool's identity unambiguous.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives clear context for when the tool is appropriate: it reads from the synced database rather than the live API, and it 'auto-syncs if the cache is stale (last sync before today)', which tells an agent when a prior sync step is unnecessary. It does not explicitly name an alternative tool for cases where live or search-level data is required (e.g., monzo_sync or monzo_search_transactions), so the when-not guidance is implied rather than explicit.

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

monzo_search_transactionsA

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, e.g. "2026-01-01" (inclusive) before: End date, e.g. "2026-02-01" (exclusive) limit: Max results (default 30)

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNo
queryYes
sinceNo
beforeNo
account_typeNo

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.8/5.0
Behavior5/5

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

No annotations are provided, so the description carries the full behavioral burden. It discloses case-insensitive partial matching, the exact fields searched, counterparty behavior for bank transfers, cache auto-sync behavior, and the response shape. This is unusually transparent for a search tool.

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

Conciseness5/5

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

The purpose is front-loaded in the first sentence, followed by compact, high-value behavioral details and a clean Args list. Every sentence adds information; there is no redundant filler.

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?

For a tool with five parameters and no annotations, the description covers search matching, cache staleness behavior, date-range semantics, account filtering, result limits, and the returned JSON shape. Nothing essential is missing for an agent to select and invoke it correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema has 0% description coverage, but the description lists every parameter with meaningful detail: query semantics, account_type values, since/before inclusivity with examples, and the limit default. This fully compensates for the schema gap.

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?

Opens with a specific verb-resource pair: 'Search cached transactions by merchant, counterparty (payee), description, or notes.' This clearly distinguishes it from sibling tools like monzo_list_transactions or monzo_sync by focusing on search across cached transaction fields.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives clear usage context: search by named fields, with automatic sync when the cache is stale ('last sync before today'). It stops short of explicitly naming alternatives or saying when not to use the tool, but the intended scenarios are easy to infer.

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

monzo_spendingA

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

ParametersJSON Schema
NameRequiredDescriptionDefault
monthNo
detailNo
categoryNo
account_typeNo

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.3/5.0
Behavior4/5

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

With no annotations, the description carries the full behavioral burden. It discloses the auto-sync side effect, the output behavior (account_type echo, null when unfiltered), and the detail switch affecting the return format. This goes beyond the schema and provides useful context, though it does not mention potential side effects like rate limits or error handling. The disclosure is substantial and does not contradict any annotations.

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

Conciseness5/5

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

The description is well-structured: a clear summary sentence, a brief note on caching, an explanation of output behavior, and a concise Args list. It is front-loaded with the core purpose, and every sentence adds value. It is appropriately sized for a tool with four parameters and behavioral nuances, with no redundant phrasing.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The description covers the tool's purpose, caching behavior, output characteristics, and all parameter semantics. It does not explicitly detail the return schema, but an output schema is available, so that is acceptable. It lacks explicit guidance on when to use this versus siblings, but the purpose is clear enough. Overall, it is nearly complete for an analysis tool, with only minor gaps.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, so the description must compensate. The Args section provides format (YYYY-MM for month), examples (category values), default behavior (current month, all accounts), and the effect of detail (individual transactions vs summary). This adds rich meaning beyond the bare schema titles and types, fully satisfying the requirement.

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 opens with 'Analyse spending from cached Monzo transactions,' which states a specific verb (analyse), a resource (spending from Monzo transactions), and the caching behavior. This clearly distinguishes it from siblings like monzo_list_transactions (which would list raw transactions) and monzo_get_balance (which reads a balance). The purpose is unambiguous.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explains what the tool does and mentions auto-sync when the cache is stale, but it does not explicitly state when to prefer this tool over alternatives like monzo_search_transactions or monzo_list_transactions. The usage context is implied by the purpose (spending analysis) but not directly contrasted with siblings, leaving some room for ambiguity.

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

monzo_syncA

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
sinceNo
account_typeNo

Output Schema

ParametersJSON Schema
NameRequiredDescription
resultYes

TDQS

A4.4/5.0
Behavior4/5

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

With no annotations, the description carries the full burden of behavioral disclosure. It transparently covers the 11-month fetch window, the fallback to last-synced timestamp or 90 days, automatic pagination, auth-hold deduplication, and the SCA constraint on deep backfills. It does not address side effects on the local cache or auth prerequisites in detail, but it is substantially transparent.

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

Conciseness5/5

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

The description is well-structured with a purpose statement, a behavior summary, and a clear parameter list. Every sentence adds substantive value, and the most important constraints are front-loaded. There is no redundant restatement of schema information.

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?

The description is complete for a tool with two optional parameters and an output schema. It explains what the tool fetches, the sync window behavior, pagination/deduplication, parameter semantics, and edge cases around the SCA window. Return values are reasonably covered by the output schema, so no extra explanation is needed.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, so the description must compensate, and it does. It explains account_type values ('personal', 'joint', or None to sync all accounts') and gives precise since formats (ISO date or datetime) plus its override behavior and SCA limitation. This goes well beyond the bare schema.

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 ('Sync') and resource ('transactions, balances, and pots from the Monzo API into the local cache'), clearly distinguishing it from sibling read/list/search tools. It also adds concrete scope details like history depth, pagination, and deduplication.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies usage for refreshing or backfilling a local cache, but it does not explicitly state when to prefer this over sibling tools like monzo_list_transactions or monzo_search_transactions. It gives helpful context around backfill windows and last-sync resumption, but no exclusions or alternative routing.

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

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 6 tool updatesv0.9.0
    • Changedmonzo_get_balance1 field changed
      • addedInput schema / properties / account_type / enum
        Added value: +[
        +  "personal",
        +  "joint"
        +]
    • Changedmonzo_list_pots1 field changed
      • addedInput schema / properties / account_type / enum
        Added value: +[
        +  "personal",
        +  "joint"
        +]
    • Changedmonzo_list_transactions1 field changed
      • changedInput schema / properties / account_type / anyOf
        Previous value: -[
        -  {
        -    "type": "string"
        -  },
        -  {
        -    "type": "null"
        -  }
        -]New value: +[
        +  {
        +    "enum": [
        +      "personal",
        +      "joint"
        +    ],
        +    "type": "string"
        +  },
        +  {
        +    "type": "null"
        +  }
        +]
    • Changedmonzo_search_transactions1 field changed
      • changedInput schema / properties / account_type / anyOf
        Previous value: -[
        -  {
        -    "type": "string"
        -  },
        -  {
        -    "type": "null"
        -  }
        -]New value: +[
        +  {
        +    "enum": [
        +      "personal",
        +      "joint"
        +    ],
        +    "type": "string"
        +  },
        +  {
        +    "type": "null"
        +  }
        +]
    • Changedmonzo_spending1 field changed
      • changedInput schema / properties / account_type / anyOf
        Previous value: -[
        -  {
        -    "type": "string"
        -  },
        -  {
        -    "type": "null"
        -  }
        -]New value: +[
        +  {
        +    "enum": [
        +      "personal",
        +      "joint"
        +    ],
        +    "type": "string"
        +  },
        +  {
        +    "type": "null"
        +  }
        +]
    • Changedmonzo_sync1 field changed
      • changedInput schema / properties / account_type / anyOf
        Previous value: -[
        -  {
        -    "type": "string"
        -  },
        -  {
        -    "type": "null"
        -  }
        -]New value: +[
        +  {
        +    "enum": [
        +      "personal",
        +      "joint"
        +    ],
        +    "type": "string"
        +  },
        +  {
        +    "type": "null"
        +  }
        +]
  2. 1 tool updatev0.2.1
    • Changedmonzo_sync1 field changed
      • addedInput schema / properties / since
        Added value: +{
        +  "anyOf": [
        +    {
        +      "type": "string"
        +    },
        +    {
        +      "type": "null"
        +    }
        +  ],
        +  "default": null,
        +  "title": "Since"
        +}
  3. 7 tool updatesv0.1.0
    • First observedmonzo_get_balance
    • First observedmonzo_list_accounts
    • First observedmonzo_list_pots
    • First observedmonzo_list_transactions
    • First observedmonzo_search_transactions
    • First observedmonzo_spending
    • First observedmonzo_sync

TDQS

A4.1/5.0

Scored across 7 tools

Disambiguation4/5

Tools are mostly distinct, but monzo_search_transactions and monzo_list_transactions both query cached transactions, differing mainly in search vs filter semantics; users could confuse which to use. Spending analysis is distinct as it provides aggregated insights.

Naming Consistency4/5

All tools follow the monzo_ prefix with snake_case and mostly verb_noun pattern (get_balance, list_pots, search_transactions). However, 'monzo_sync' lacks a noun and 'monzo_spending' uses a noun as the action, deviating slightly from the pattern.

Tool Count5/5

Seven tools is well-scoped for a personal finance MCP covering balance, pots, accounts, transactions, and spending analysis. Each tool serves a clear purpose without redundancy.

Completeness4/5

Covers core read-only banking operations: balance, accounts, pots, transaction listing/search, spending analysis, and data synchronization. Missing features like pot transfers or transaction details by ID, but these are beyond typical read-only scope.

Maintenance

ActivityActive
ResponsivenessSlow

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