BankBridge

Get a link for connecting a new bank account to BankBridge, plus reconnect links for any already-connected bank that needs re-authorization or whose consent expires within 30 days. This tool only returns links: the bank connection itself happens when the user opens the link in their browser and signs in to their bank on bankbridge.money. Nothing is connected or changed by calling it.

connect_bank

Find recurring charges such as subscriptions and bills by grouping charges per merchant and detecting a steady weekly, biweekly, monthly, quarterly, or yearly interval. Returns each merchant's typical amount, frequency, last charge date, and total. Default window is the last 6 months; yearly charges need a window of 13 months or more. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

get_recurring_charges

Get one account's live details (balances, credit limit, type, institution, last 4 digits) by its account id from list_accounts. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

get_account

List every connected account (checking, savings, credit card, loan, investment) with live balances, credit limits, institution, and last 4 digits. Each account's id is what the account_id parameter of the other tools accepts. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

list_accounts

List current investment positions (ticker, name, quantity, price, market value, cost basis, gain/loss) across connected investment accounts, largest value first, plus portfolio totals. Cost basis and gain/loss are null when the institution doesn't report cost basis. Paginated with limit/offset (default 50, max 200). The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

list_holdings

List investment account activity (buys, sells, dividends and other cash events, fees, transfers), newest first, with ticker, quantity, price, and amount. Dividends have type "cash" and subtype "dividend". Default window is the last 90 days. Paginated with limit/offset (default 50, max 100). The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

list_investment_transactions

List the spending categories that appear in the user's transactions, with transaction count and net dollar total per category, largest first. Default window is the last 90 days. These are the values the category parameter of list_transactions accepts. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

list_categories

List transactions across connected accounts, newest first, with optional filters for date range, account, category, amount, and pending status. Positive amounts are money spent; negative amounts are money received. Default window is the last 30 days; banks provide up to 24 months. Paginated with limit/offset (default 50, max 100); the response includes total_count and has_more. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

list_transactions

Charge history for one merchant (case-insensitive substring match on merchant name or description): charge count, total spent, average amount, first and last charge dates, and the matching transactions, newest first. Default window is the last 12 months. Transactions are paginated with limit/offset (default 50, max 200); the totals cover every match. The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

get_merchant_history

Income, expenses, and net for one calendar month across connected accounts, with the top 5 income sources and top 5 expense categories. Pending transactions are left out. Income is money coming in (negative transaction amounts); expenses are money going out (positive amounts). The response includes a `warnings` array of notices about banks that could not contribute (for example, a bank that needs reconnecting), each with a message and, when relevant, a reconnect_url.

get_monthly_cashflow