Get all accounts associated with the logged in account holder. This is typically the first call to make to get account information. An account holder (e.g. a person or business) can have multiple accounts (e.g. a GBP and EUR account).
AI agents call accounts_list to retrieve information from Starling Bank without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool queries and returns account information without creating, modifying, or deleting data. While it pertains to a financial system, it is a read-only operation that merely lists accounts. The blast radius is minimal: an AI agent calling this tool would only retrieve metadata about existing accounts, not move funds, lock accounts, or cause irreversible changes.
From the tool's definition Tool description explicitly states 'Get all accounts associated with the logged in account holder' — a retrieval operation with no modification or side effects.
Attacks that exploit this kind of access
Get all accounts associated with the logged in account holder. This is typically the first call to make to get account information. An account holder (e.g. a person or business) can have multiple accounts (e.g. a GBP and EUR account). It is categorised as a Read tool in the Starling Bank MCP Server, which means it retrieves data without modifying state.
Register the Starling Bank MCP server in PolicyLayer and add a rule for 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 Starling Bank. Nothing to install.
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 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 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.
accounts_list is provided by the Starling Bank MCP server (starling-bank-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Every MCP server has a record like this.
Type a name, get the same breakdown: verified identity, auth posture, risk grade, capabilities, recommended policy.
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