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Hlídač spoření MCP server

Which MCP servers are Hlídač spoření's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-29

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Whose server it is
  • Registry namecz.hlidacsporeni/sporeniverified in the MCP registry

The registry name sits under hlidacsporeni.cz. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-10-29
  • Stateanswerschecked 2026-10-29
  • Tools4
  • Server calls itselfhlidac-sporeni
  • Server version1.0.0
  • Protocol version2025-06-18

On 2026-10-29 the server answered initialize and tools/list without a sign-in. First answer in 362 ms.

Should an agent connect itNot proven either way yet
  • Its tools do compare savings account rates across Czech banks; estimate net yearly interest after 15% withholding tax, but not get email alerts when better savings offers appear.
  • Checked on 5 of the 7 days it takes to judge reliability.

Once connected

  • For "compare savings account rates across Czech banks", the likely first call is hlidac_compare_savings.
  • For "estimate net yearly interest after 15% withholding tax", the likely first call is hlidac_compare_savings.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 5, the first on 2026-10-29
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 5 so far
  • What an agent can do with it2 of 3 use cases
  • Answeredmeasuring5 of the 7 daily checks it takes to print a share
  • Median first answer373 ms
  • Space in an agent's context≈ 1,506 tokensthe definitions of all its tools (4), which an agent carries on every turn
  • Tool definitionsA · 100 of 100
  • Typed results4 of 4 toolsdeclared outputSchema: results come typed, read once
  • Every tool passes all six checks.

What an agent can do with it

  • can do · compare savings account rates across Czech banks
  • can do · estimate net yearly interest after 15% withholding tax
  • cannot · get email alerts when better savings offers appear

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers4 tools · read 2026-10-29
  • hlidac_compare_savings

    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…

  • hlidac_compare_term_deposits

    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…

  • hlidac_get_product

    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)…

  • hlidac_plan_allocation

    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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "sporeni": {
      "type": "http",
      "url": "https://hlidacsporeni.cz/mcp"
    }
  }
}

Add it

Claude Code, in a terminal

claude mcp add --transport http hlidacsporeni https://hlidacsporeni.cz/mcp

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://hlidacsporeni.cz/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.