actual_accounts_list
List all accounts in Actual Budget including checking, savings, credit cards, and investment accounts. Returns account ID, name, balance (in cents), on-budget/off-budget status, and open/closed state.
This record as markdown: /tools/actual/actual-accounts-list.md
What actual_accounts_list does on Actual
AI agents call actual_accounts_list to retrieve information from Actual without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
Why actual_accounts_list is rated Low
This tool queries and retrieves financial account information without creating, modifying, or deleting any data. While the data concerns financial accounts, the tool itself performs no financial transactions or commitments. It is a read-only query operation with minimal blast radius if misused by an AI agent.
From the tool's definition Tool name contains 'list' and description states it 'List all accounts' and 'Returns account ID, name, balance...' — a retrieval operation with no modification or side effects.
Attacks that exploit this kind of access
The rule that runs actual_accounts_list safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Actual, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For actual_accounts_list, this is the rule to start with:
actual_accounts_list is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Actual, apply this rule, and every actual_accounts_list call is checked against it from then on.
Questions about actual_accounts_list
List all accounts in Actual Budget including checking, savings, credit cards, and investment accounts. Returns account ID, name, balance (in cents), on-budget/off-budget status, and open/closed state. It is categorised as a Read tool in the Actual MCP Server, which means it retrieves data without modifying state.
Register the Actual MCP server in PolicyLayer and add a rule for actual_accounts_list: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Actual. Nothing to install.
actual_accounts_list is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the actual_accounts_list rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for actual_accounts_list. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
actual_accounts_list is provided by the Actual MCP server (actual-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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