Retrieves bank account balances and transaction history via PSD2 Open Banking (TrueLayer), covering 300+ UK and European banks. Returns the account balance, ISO 4217 currency code, and up to 100 recent transactions — each with date, merchant description, amount, and category. Supports optional date filtering to narrow the transaction window. Use this tool when an agent needs to inspect a user's spending history, verify a payment has cleared, assess account affordability, categorise recent bank transactions, or produce a financial summary from live bank data. Do not use for payment initiation — this tool is strictly read-only. Do not use for Stripe-specific payment records, subscription billing, or failed charge investigation — use stripe_payments instead. Requires a TrueLayer access token; returns structured mock data if no token is configured.
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