# Hlídač spoření (remote · hlidacsporeni.cz)

Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only.

- Trust score: 76/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `hlidacsporeni.cz`: 76/100 (this document), [markdown](https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni.md), [page](https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni)

## Channel facts

- Endpoint: `https://hlidacsporeni.cz/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 83/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 59/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1303 tokens (~325/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 33/100
  - Stability observed for 10 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the Hlídač spoření MCP server?

Hlídač spoření is a hosted endpoint at https://hlidacsporeni.cz/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http cz-hlidacsporeni-sporeni 'https://hlidacsporeni.cz/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "cz-hlidacsporeni-sporeni": {
      "url": "https://hlidacsporeni.cz/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "cz-hlidacsporeni-sporeni": {
      "type": "http",
      "url": "https://hlidacsporeni.cz/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.cz-hlidacsporeni-sporeni]
url = "https://hlidacsporeni.cz/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "cz-hlidacsporeni-sporeni": {
      "type": "remote",
      "url": "https://hlidacsporeni.cz/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add cz-hlidacsporeni-sporeni --url 'https://hlidacsporeni.cz/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  cz-hlidacsporeni-sporeni:
    url: "https://hlidacsporeni.cz/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "cz-hlidacsporeni-sporeni": {
      "Transport": "http",
      "Url": "https://hlidacsporeni.cz/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add cz-hlidacsporeni-sporeni -t streamable-http -u 'https://hlidacsporeni.cz/mcp'
```

### Other

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

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-03 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 72, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-26 (score 72)

First indexed and scored.

## MCP tools (4)

### `hlidac_compare_savings` (~376 tokens)

Compare Czech savings accounts

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.

Input parameters:

- `amount` (integer, required): Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000
- `include_investment` (boolean): Count the higher rate some banks pay with a regular investment
- `limit` (integer): How many accounts to return, best first
- `no_conditions` (boolean): Only accounts with no conditions at all (spořicí účet bez podmínek)
- `without_card_payments` (boolean): Exclude accounts that require card payments (bez placení kartou)
- `without_income_requirement` (boolean): Exclude accounts that require a regular income (bez požadavku na příjem)
- `without_new_money` (boolean): Exclude offers only for new money moved from another bank (bez nových peněz)

Output parameters:

- `accounts` (array)
- `amount` (number)
- `asOf` (string): When the rates were last updated (ISO 8601)
- `attribution` (string)
- `comparison_url` (string)
- `total_matching` (integer)

### `hlidac_compare_term_deposits` (~353 tokens)

Compare Czech 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 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'

Input parameters:

- `amount` (integer, required): Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000
- `client` (string): 'new' also counts offers only for a bank's new clients (noví klienti)
- `include_promotions` (boolean): Count time-limited promotions (akce)
- `limit` (integer): How many offers to return, best first
- `need_early_withdrawal` (boolean): Only banks where an early withdrawal (předčasný výběr) is possible without asking the bank
- `term_months` (integer, required): Term in months (délka vkladu): 1, 3, 6, 12, 24, 36, 60 …

Output parameters:

- `amount` (number)
- `asOf` (string): When the rates were last updated (ISO 8601)
- `attribution` (string)
- `comparison_url` (string)
- `offers` (array)
- `outside_limits` (array)
- `term_months` (integer)

### `hlidac_get_product` (~158 tokens)

Get one savings account or term deposit

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.

Input parameters:

- `product_id` (string, required): Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad)

Output parameters:

- `asOf` (string): When the rates were last updated (ISO 8601)
- `attribution` (string)
- `bank` (string)
- `bank_url` (string)
- `deposit_insurance` (object)
- `detail_url` (string)
- `kind` (string)
- `product` (string)
- `product_id` (string)
- `savings` (object)
- `stale` (boolean)
- `term_deposit` (object)
- `unknown` (array): Facts we do not have for this product; never guess them
- `verified_at` (string)

### `hlidac_plan_allocation` (~295 tokens)

Split savings across banks within deposit insurance

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

Input parameters:

- `amount` (integer, required): Total to place in CZK, e.g. 6000000
- `can_bring_new_money` (boolean): The money is new to the bank, moved from another bank (nové peníze)
- `can_invest` (boolean): The client will invest regularly where it raises the rate
- `can_pay_by_card` (boolean): The client will meet card payment conditions (platby kartou)
- `eur_czk` (number): EUR/CZK rate for the 100 000 EUR insurance limit; default: today's ČNB rate
- `has_income` (boolean): The client can route a regular income to the bank (příjem)
- `max_banks` (integer): At most this many banks

Output parameters:

- `allocations` (array)
- `amount` (number)
- `asOf` (string): When the rates were last updated (ISO 8601)
- `attribution` (string)
- `eur_czk` (number)
- `eur_czk_source` (string)
- `insurance_limit_czk` (number)
- `insurance_limit_eur` (number)
- `notes` (array)
- `total_net_yield_year` (number)
- `uninsured_amount` (number): CZK above the insurance limit with the bank limit of max_banks banks
- `weighted_rate` (number)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni#diagnostics

## Score history

- 2026-11-05: 76
- 2026-11-04: 76
- 2026-11-03: 76
- 2026-11-02: 75
- 2026-11-01: 75
- 2026-10-31: 74
- 2026-10-30: 74
- 2026-10-29: 73
- 2026-10-28: 73
- 2026-10-27: 72
- 2026-10-26: 72

## Common questions

### What is the Hlídač spoření MCP server?

Hlídač spoření is an MCP server listed in the public MCP registry as cz.hlidacsporeni/sporeni. Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only. This page covers its hosted endpoint (https://hlidacsporeni.cz/mcp).

### Is the Hlídač spoření MCP server safe to use?

Hlídač spoření scores 76 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Hlídač spoření MCP server expose?

Hlídač spoření exposes 4 tools: hlidac_compare_savings, hlidac_compare_term_deposits, hlidac_get_product, hlidac_plan_allocation. Their descriptions and schemas cost roughly 1,182 tokens of context every time the server is loaded.

### Does the Hlídač spoření MCP server require authentication?

No. We connected to Hlídač spoření without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Hlídač spoření MCP server still maintained?

Hlídač spoření is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the Hlídač spoření MCP server?

VerifyMCP ran 13 checks on Hlídač spoření, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://hlidacsporeni.cz/mcp
- Website: https://hlidacsporeni.cz/pro-agenty.md
- Changelog RSS feed: https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni.xml
- Changelog JSON feed: https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni.json
- HTML version of this page: https://verifymcp.io/servers/cz-hlidacsporeni-sporeni/hlidacsporeni