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bunq Banking MCP

bunq Banking MCP

connection_status

Read-onlyIdempotent

Verify that the vault-backed production connection works by reading the authenticated user's monetary accounts. Use it to confirm banking access before running account or payment operations.

Instructions

Verify the vault-backed production connection by reading the authenticated user's monetary accounts.

Input Schema

NameRequiredDescriptionDefault

No arguments

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv0.3.5

TDQS

A3.6/5.0
Behavior3/5

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

Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered structurally. The description adds useful context that this touches a vault-backed production system with authenticated credentials, but says nothing about failure behavior, latency, or what a failed verification looks like - notable gaps for an open-world network call.

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?

A single front-loaded sentence with the action verb first and the mechanism immediately after. There is no filler, hedging, or restatement of the tool name.

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?

With no parameters and no output schema, the description carries the full burden of explaining the result, yet it never says what "verify" produces (raw account list, boolean, error on failure). It conveys enough to attempt the call correctly but leaves the outcome shape ambiguous.

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?

The tool takes zero parameters, so there is no parameter meaning for the description to carry; the baseline applies. The description correctly avoids inventing inputs and implicitly conveys that the target (the authenticated user's accounts) is fixed by credentials rather than by arguments.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

"Verify the vault-backed production connection by reading the authenticated user's monetary accounts" gives a specific verb (verify) plus the mechanism (reading accounts), which distinguishes it from siblings like read_account_history and review_financial_records. It stops short of saying what the verification actually returns, so an agent must infer that the account readout is the verification result.

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?

Usage is only implied: the word "verify" suggests a pre-flight/health-check call, but the description never states when to call this versus review_financial_records or read_account_history, nor any conditions or prerequisites. An agent can guess the intent but gets no explicit routing rule.

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