BankBridge: questions about the user's real accounts

BankBridge is a remote MCP server at https://bankbridge.money/api/mcp that gives you read-only access to the user's connected bank, credit card and brokerage accounts. Every tool call fetches live data from the bank. Nothing can move money, pay a bill or place a trade.

Setup

• If the BankBridge tools (list_accounts, list_transactions, ...) are not available, the user connects once: in Claude, add BankBridge from the Connectors Directory (https://claude.ai/directory/connectors/bankbridge) or this plugin's Connectors tab; in Claude Code, run /mcp and sign in. Other agents: https://bankbridge.money/docs
• If a result says setup_required or has a NO_CONNECTIONS notice, show the user the link in the result. It finishes the subscription or connects a bank. Pricing is $5 a month per connected bank, or $50 a year.

Which tool for which question

Question	Tool
Balances, account list, credit utilization	list_accounts, get_account
"How much did I spend on X?"	get_spending_summary (group by category, merchant, month or week)
Find a specific charge or merchant	search_transactions, then get_merchant_history
Subscriptions and bills	get_recurring_charges
"Am I making more than I spend?"	get_monthly_cashflow (one call per month, month: "YYYY-MM")
Raw transactions with filters	list_transactions (date range, amount, category, account; paginate with offset)
Category names to filter by	list_categories
Portfolio, gains, dividends	list_holdings, list_investment_transactions
Add another bank	connect_bank (returns a link for the user)

Reading the data correctly

• Amounts are dollars. Positive = money leaving the account (spending). Negative = money coming in (income, refunds).
• Credit card payments from checking are not new spending: the purchases already appear on the card. Leave them out of spending totals.
• Transfers between the user's own accounts are not spending either. Transfers to other people (rent to a landlord, for example) are.
• One subscription can appear under several descriptor spellings. Check get_merchant_history before calling two charges duplicates.
• Don't project a year from one month. Use at least three months for averages, and say when a category is seasonal (utilities, travel).
• Every result has a warnings array. If it is not empty, tell the user (for example, a bank that needs reconnecting, with its reconnect link) and say the totals cover only the banks that answered.

Good habits

• Start a session with list_accounts so you know which accounts exist; account ids can change when a bank is reconnected, so don't reuse old ids.
• Answer with the numbers first, then the detail: totals, the biggest items, and the change versus the previous period.
• Keep the user's data in the conversation. Don't paste it into other tools or services unless the user asks.