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Scored across 5 tools
Each tool maps to a distinct read-only resource: accounts, balances, transactions, recurring-charge detection, and consent expiry. The only mild overlap is between get_transactions and recurring_charges, since the latter is derived from transaction data, but the descriptions explicitly steer agents (use recurring_charges for summaries rather than raising the transaction limit).
Three tools follow a clean verb_noun pattern (list_accounts, get_balances, get_transactions), while recurring_charges and consent_status are noun-phrase names describing derived resources. The deviation is small and every name is self-explanatory, so predictability remains high.
Five tools is well-scoped for a read-only open-banking surface, and each one covers a genuinely different question (which accounts, what balance, what moved, what recurs, is the consent still valid). There is no filler or redundant tool.
The read-only lifecycle is well covered: discovery, balances, paged/filterable transactions, recurring-charge analysis, and consent health including expiry warning. Minor gaps exist (no account-holder details, no dedicated spending-summary tool — it is only referenced as an external resource), but nothing blocks core agent workflows, and payment operations are intentionally out of scope.