Hlídač spoření MCP
Read-only MCP server providing daily updated comparisons of Czech savings accounts and term deposits. It allows agents to compare effective interest rates, net yields after tax, and conditions for specific deposit amounts, as well as plan fund allocation across banks to maximize insured amounts.
Endpoint and access
No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.
MCP endpoint (Streamable HTTP)
https://hlidacsporeni.cz/mcpWhat you can do with it
- Compare savings accounts by effective interest rate for a specific deposit amount
- Find term deposits based on duration and client status
- Get detailed product conditions including tax and insurance details
- Plan fund allocation across multiple banks to stay within insurance limits
Source and maintenance
Vendor evidenceRegistry 1.0.0
Protocol and capabilities
- Server
- hlidac-sporeni 1.0.0
- MCP protocol
- 2025-06-18
- Tools
- 4 advertised
- Resources
- Not advertised
- Resource templates
- Not advertised
- Prompts
- Not advertised
Server-advertised capabilities
{
"tools": {
"listChanged": true
}
}Server-provided instructions
Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.
Tools
4 advertised
hlidac_compare_savings — Compare Czech savings accounts
Advertised read-only
Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions. Examples: - "Kam dát 800 000 Kč na spořicí účet?" -> amount=800000 - "Nejvyšší úrok bez podmínek pro 1 milion" -> amount=1000000, no_conditions=true Use hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.
hlidac_compare_savings input schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"amount"
],
"properties": {
"limit": {
"type": "integer",
"default": 5,
"maximum": 20,
"minimum": 1,
"description": "How many accounts to return, best first"
},
"amount": {
"type": "integer",
"maximum": 10000000,
"minimum": 1000,
"description": "Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000"
},
"no_conditions": {
"type": "boolean",
"default": false,
"description": "Only accounts with no conditions at all (spořicí účet bez podmínek)"
},
"without_new_money": {
"type": "boolean",
"default": false,
"description": "Exclude offers only for new money moved from another bank (bez nových peněz)"
},
"include_investment": {
"type": "boolean",
"default": false,
"description": "Count the higher rate some banks pay with a regular investment"
},
"without_card_payments": {
"type": "boolean",
"default": false,
"description": "Exclude accounts that require card payments (bez placení kartou)"
},
"without_income_requirement": {
"type": "boolean",
"default": false,
"description": "Exclude accounts that require a regular income (bez požadavku na příjem)"
}
},
"additionalProperties": false
}hlidac_compare_savings output schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"asOf",
"attribution",
"amount",
"accounts",
"total_matching",
"comparison_url"
],
"properties": {
"asOf": {
"type": "string",
"description": "When the rates were last updated (ISO 8601)"
},
"amount": {
"type": "number"
},
"accounts": {
"type": "array",
"items": {
"type": "object",
"required": [
"rank",
"product_id",
"bank",
"product",
"effective_rate",
"net_yield_year",
"conditions",
"condition_kinds",
"rate_without_conditions",
"rate_basis",
"promo_until",
"deposit_insurance",
"verified_at",
"stale",
"detail_url",
"bank_url"
],
"properties": {
"bank": {
"type": "string"
},
"rank": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991
},
"stale": {
"type": "boolean",
"description": "true when verified more than 7 days ago"
},
"product": {
"type": "string"
},
"bank_url": {
"type": "string"
},
"conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"detail_url": {
"type": "string"
},
"product_id": {
"type": "string"
},
"rate_basis": {
"enum": [
"standard",
"new_client",
"promo"
],
"type": "string",
"description": "'standard' for any client meeting the conditions, 'new_client' only for new money or a new client, 'promo' a promotion with an end"
},
"promo_until": {
"type": [
"string",
"null"
],
"description": "End of the promotional rate (YYYY-MM-DD), null when none is stated"
},
"verified_at": {
"type": "string"
},
"effective_rate": {
"type": "number",
"description": "% p. a. for the whole deposit (weighted over bands)"
},
"net_yield_year": {
"type": "number",
"description": "CZK a year after the 15 % withholding tax"
},
"condition_kinds": {
"type": "array",
"items": {
"enum": [
"card_payments",
"income",
"new_money",
"investment",
"other"
],
"type": "string"
}
},
"deposit_insurance": {
"type": "object",
"required": [
"country",
"system"
],
"properties": {
"system": {
"type": [
"string",
"null"
]
},
"country": {
"type": "string"
}
},
"additionalProperties": false
},
"rate_without_conditions": {
"type": [
"number",
"null"
]
}
},
"additionalProperties": false
}
},
"attribution": {
"type": "string"
},
"comparison_url": {
"type": "string"
},
"total_matching": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991
}
},
"additionalProperties": false
}hlidac_compare_savings annotations
{
"title": "Compare Czech savings accounts",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}hlidac_compare_term_deposits — Compare Czech term deposits
Advertised read-only
Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits. Examples: - "Nejlepší termínovaný vklad na rok pro 200 000" -> amount=200000, term_months=12 - "Vklad na 3 měsíce, jsem nový klient" -> term_months=3, client='new'
hlidac_compare_term_deposits input schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"amount",
"term_months"
],
"properties": {
"limit": {
"type": "integer",
"default": 5,
"maximum": 20,
"minimum": 1,
"description": "How many offers to return, best first"
},
"amount": {
"type": "integer",
"maximum": 10000000,
"minimum": 1000,
"description": "Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000"
},
"client": {
"enum": [
"existing",
"new"
],
"type": "string",
"default": "existing",
"description": "'new' also counts offers only for a bank's new clients (noví klienti)"
},
"term_months": {
"type": "integer",
"maximum": 120,
"minimum": 1,
"description": "Term in months (délka vkladu): 1, 3, 6, 12, 24, 36, 60 …"
},
"include_promotions": {
"type": "boolean",
"default": true,
"description": "Count time-limited promotions (akce)"
},
"need_early_withdrawal": {
"type": "boolean",
"default": false,
"description": "Only banks where an early withdrawal (předčasný výběr) is possible without asking the bank"
}
},
"additionalProperties": false
}hlidac_compare_term_deposits output schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"asOf",
"attribution",
"amount",
"term_months",
"offers",
"outside_limits",
"comparison_url"
],
"properties": {
"asOf": {
"type": "string",
"description": "When the rates were last updated (ISO 8601)"
},
"amount": {
"type": "number"
},
"offers": {
"type": "array",
"items": {
"type": "object",
"required": [
"rank",
"product_id",
"bank",
"product",
"rate",
"segment",
"standard_rate",
"net_yield_term",
"early_withdrawal",
"tax_withheld",
"deposit_insurance",
"verified_at",
"stale",
"detail_url"
],
"properties": {
"bank": {
"type": "string"
},
"rank": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991
},
"rate": {
"type": "number",
"description": "% p. a. for this deposit and term"
},
"stale": {
"type": "boolean"
},
"product": {
"type": "string"
},
"segment": {
"enum": [
"standard",
"promotion",
"new_clients"
],
"type": "string"
},
"detail_url": {
"type": "string"
},
"product_id": {
"type": "string"
},
"verified_at": {
"type": "string"
},
"tax_withheld": {
"type": "boolean",
"description": "false: the bank does not withhold the tax, the client declares it"
},
"standard_rate": {
"type": [
"number",
"null"
],
"description": "The bank's standard rate next to a promotion"
},
"net_yield_term": {
"type": "number",
"description": "CZK for the whole term after 15 % tax, simple interest, no renewal"
},
"early_withdrawal": {
"type": "object",
"required": [
"kind",
"text"
],
"properties": {
"kind": {
"type": "string"
},
"text": {
"type": "string"
}
},
"additionalProperties": false
},
"deposit_insurance": {
"type": "object",
"required": [
"country",
"system"
],
"properties": {
"system": {
"type": [
"string",
"null"
]
},
"country": {
"type": "string"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}
},
"attribution": {
"type": "string"
},
"term_months": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991
},
"comparison_url": {
"type": "string"
},
"outside_limits": {
"type": "array",
"items": {
"type": "object",
"required": [
"bank",
"reason"
],
"properties": {
"bank": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"additionalProperties": false
}
}
},
"additionalProperties": false
}hlidac_compare_term_deposits annotations
{
"title": "Compare Czech term deposits",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}hlidac_get_product — Get one savings account or term deposit
Advertised read-only
Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.
hlidac_get_product input schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"product_id"
],
"properties": {
"product_id": {
"type": "string",
"pattern": "^[a-z0-9-]{2,40}$",
"description": "Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad)"
}
},
"additionalProperties": false
}hlidac_get_product output schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"asOf",
"attribution",
"kind",
"product_id",
"bank",
"product",
"detail_url",
"bank_url",
"verified_at",
"stale",
"deposit_insurance",
"unknown"
],
"properties": {
"asOf": {
"type": "string",
"description": "When the rates were last updated (ISO 8601)"
},
"bank": {
"type": "string"
},
"kind": {
"enum": [
"savings_account",
"term_deposit"
],
"type": "string"
},
"stale": {
"type": "boolean"
},
"product": {
"type": "string"
},
"savings": {
"type": "object",
"required": [
"tier_mode",
"bands",
"investment_bands",
"conditions",
"condition_kinds",
"investment_requirement",
"rate_without_conditions",
"promo_until",
"note",
"interest_payout",
"examples"
],
"properties": {
"note": {
"type": [
"string",
"null"
]
},
"bands": {
"type": "array",
"items": {
"type": "object",
"required": [
"rate",
"up_to"
],
"properties": {
"rate": {
"type": "number"
},
"up_to": {
"type": [
"number",
"null"
]
}
},
"additionalProperties": false
}
},
"examples": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount",
"effective_rate",
"net_yield_year"
],
"properties": {
"amount": {
"type": "number"
},
"effective_rate": {
"type": "number"
},
"net_yield_year": {
"type": "number"
}
},
"additionalProperties": false
}
},
"tier_mode": {
"enum": [
"band",
"whole"
],
"type": "string"
},
"conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"promo_until": {
"type": [
"string",
"null"
]
},
"condition_kinds": {
"type": "array",
"items": {
"enum": [
"card_payments",
"income",
"new_money",
"investment",
"other"
],
"type": "string"
}
},
"interest_payout": {
"type": [
"string",
"null"
],
"description": "How interest accrues and when it is credited, verified from the bank terms; null = unknown"
},
"investment_bands": {
"anyOf": [
{
"type": "array",
"items": {
"type": "object",
"required": [
"rate",
"up_to"
],
"properties": {
"rate": {
"type": "number"
},
"up_to": {
"type": [
"number",
"null"
]
}
},
"additionalProperties": false
}
},
{
"type": "null"
}
]
},
"investment_requirement": {
"type": [
"string",
"null"
]
},
"rate_without_conditions": {
"type": [
"number",
"null"
]
}
},
"additionalProperties": false
},
"unknown": {
"type": "array",
"items": {
"type": "string"
},
"description": "Facts we do not have for this product; never guess them"
},
"bank_url": {
"type": "string"
},
"detail_url": {
"type": "string"
},
"product_id": {
"type": "string"
},
"attribution": {
"type": "string"
},
"verified_at": {
"type": "string"
},
"term_deposit": {
"type": "object",
"required": [
"offers",
"promo",
"renewal",
"early_withdrawal",
"channel",
"current_account_required",
"tax_withheld",
"min_existing_balance"
],
"properties": {
"promo": {
"anyOf": [
{
"type": "object",
"required": [
"label",
"until"
],
"properties": {
"label": {
"type": "string"
},
"until": {
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"offers": {
"type": "array",
"items": {
"type": "object",
"required": [
"term_months",
"term_days",
"rate",
"segment",
"min_amount",
"max_amount",
"payout"
],
"properties": {
"rate": {
"type": "number"
},
"payout": {
"type": "string"
},
"segment": {
"enum": [
"standard",
"promotion",
"new_clients"
],
"type": "string"
},
"term_days": {
"type": [
"number",
"null"
]
},
"max_amount": {
"type": [
"number",
"null"
]
},
"min_amount": {
"type": "number"
},
"term_months": {
"type": [
"number",
"null"
]
}
},
"additionalProperties": false
}
},
"channel": {
"type": "string"
},
"renewal": {
"type": [
"string",
"null"
]
},
"tax_withheld": {
"type": "boolean"
},
"early_withdrawal": {
"type": "object",
"required": [
"kind",
"text"
],
"properties": {
"kind": {
"type": "string"
},
"text": {
"type": "string"
}
},
"additionalProperties": false
},
"min_existing_balance": {
"type": [
"number",
"null"
]
},
"current_account_required": {
"type": [
"boolean",
"null"
]
}
},
"additionalProperties": false
},
"deposit_insurance": {
"type": "object",
"required": [
"country",
"system"
],
"properties": {
"system": {
"type": [
"string",
"null"
]
},
"country": {
"type": "string"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}hlidac_get_product annotations
{
"title": "Get one savings account or term deposit",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}hlidac_plan_allocation — Split savings across banks within deposit insurance
Advertised read-only
Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit. Example: "Mám 6 milionů, jak je rozložit, aby byly pojištěné?" -> amount=6000000, max_banks=3
hlidac_plan_allocation input schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"amount"
],
"properties": {
"amount": {
"type": "integer",
"maximum": 50000000,
"minimum": 1000,
"description": "Total to place in CZK, e.g. 6000000"
},
"eur_czk": {
"type": "number",
"maximum": 40,
"minimum": 15,
"description": "EUR/CZK rate for the 100 000 EUR insurance limit; default: today's ČNB rate"
},
"max_banks": {
"type": "integer",
"default": 3,
"maximum": 6,
"minimum": 1,
"description": "At most this many banks"
},
"can_invest": {
"type": "boolean",
"default": false,
"description": "The client will invest regularly where it raises the rate"
},
"has_income": {
"type": "boolean",
"default": false,
"description": "The client can route a regular income to the bank (příjem)"
},
"can_pay_by_card": {
"type": "boolean",
"default": false,
"description": "The client will meet card payment conditions (platby kartou)"
},
"can_bring_new_money": {
"type": "boolean",
"default": false,
"description": "The money is new to the bank, moved from another bank (nové peníze)"
}
},
"additionalProperties": false
}hlidac_plan_allocation output schema
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"asOf",
"attribution",
"amount",
"insurance_limit_eur",
"eur_czk",
"eur_czk_source",
"insurance_limit_czk",
"allocations",
"total_net_yield_year",
"weighted_rate",
"uninsured_amount",
"notes"
],
"properties": {
"asOf": {
"type": "string",
"description": "When the rates were last updated (ISO 8601)"
},
"notes": {
"type": "array",
"items": {
"type": "string"
}
},
"amount": {
"type": "number"
},
"eur_czk": {
"type": "number"
},
"allocations": {
"type": "array",
"items": {
"type": "object",
"required": [
"bank",
"product_id",
"product",
"amount",
"effective_rate",
"net_yield_year",
"conditions",
"detail_url"
],
"properties": {
"bank": {
"type": "string"
},
"amount": {
"type": "number"
},
"product": {
"type": "string"
},
"conditions": {
"type": "array",
"items": {
"type": "string"
}
},
"detail_url": {
"type": "string"
},
"product_id": {
"type": "string"
},
"effective_rate": {
"type": "number"
},
"net_yield_year": {
"type": "number"
}
},
"additionalProperties": false
}
},
"attribution": {
"type": "string"
},
"weighted_rate": {
"type": "number"
},
"eur_czk_source": {
"type": "string"
},
"uninsured_amount": {
"type": "number",
"description": "CZK above the insurance limit with the bank limit of max_banks banks"
},
"insurance_limit_czk": {
"type": "number"
},
"insurance_limit_eur": {
"type": "number"
},
"total_net_yield_year": {
"type": "number"
}
},
"additionalProperties": false
}hlidac_plan_allocation annotations
{
"title": "Split savings across banks within deposit insurance",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}Prompts
Not advertised
Resources
Not advertised
30-day availability
Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.
- Successful checks
- 1 of 1 (100%)
- Average latency
- 1004 ms
- 95th percentile latency
- 1004 ms
Maintenance history
Public check and source-refresh events. Editorial and ownership records remain private.
- · probe · passed · 1004 ms · metadata changed · 4 tool(s)
Connect from your client
Each snippet registers the same endpoint; pick the client you use.
Claude Code
Claude Code configuration
claude mcp add --transport http hli-dac-spor-eni-mcp https://hlidacsporeni.cz/mcpCodex
Codex configuration
codex mcp add hli-dac-spor-eni-mcp --url https://hlidacsporeni.cz/mcpCursor
Cursor configuration
{
"mcpServers": {
"hli-dac-spor-eni-mcp": {
"url": "https://hlidacsporeni.cz/mcp"
}
}
}Cline
Cline configuration
{
"mcpServers": {
"hli-dac-spor-eni-mcp": {
"type": "streamableHttp",
"url": "https://hlidacsporeni.cz/mcp",
"disabled": false
}
}
}VS Code
VS Code configuration
{
"servers": {
"hli-dac-spor-eni-mcp": {
"type": "http",
"url": "https://hlidacsporeni.cz/mcp"
}
}
}Gemini CLI
Gemini CLI configuration
gemini mcp add --transport http hli-dac-spor-eni-mcp https://hlidacsporeni.cz/mcpClaude Desktop
Claude Desktop configuration
{
"mcpServers": {
"hli-dac-spor-eni-mcp": {
"url": "https://hlidacsporeni.cz/mcp"
}
}
}Windsurf
Windsurf configuration
{
"mcpServers": {
"hli-dac-spor-eni-mcp": {
"serverUrl": "https://hlidacsporeni.cz/mcp"
}
}
}Let your agent find its tools
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