MoneySuperMarket

Returns a collection of current accounts searched with filtering and sorting.

Current Accounts

• Reference

Overview

This document defines relevant information so that the AI model can work with the Money Broker API for Current Accounts. Below is a reference of fields used to filter and interpret current account products.

Field Mappings for requests and responses

Available category.code mappings:

| Category Code | Label | Description | |---------------|-------|-------------| | all_tiers | All accounts | All current account types | | cur_benefits | Packaged accounts | Current accounts with added benefits | | cur_interest | High interest accounts | Current accounts that offer high interest rates | | cur_managed | Credit Building | Current accounts with credit building features | | cur_standard | Current accounts | Standard current accounts | | cur_student | Student accounts | Current accounts designed for students | | cur_switchincentive | Switch incentive | Current accounts offering incentives for switching | | cur_under_18s | Under 18s accounts | Current accounts for individuals under 18 years old | | cur_overdraft | Overdraft | Current accounts with overdraft facilities |

Usage notes:

• Categories are dynamically assigned to products by the backend based on account properties
• The AI model must use a category.code filter in all requests, to avoid getting duplicate products in results

Sorting Options

Accounts should be sorted to provide the user with the best fit to their interests. Below are available sorting options and user goals they correspond to, these can be mixed and matched as appropriate:

| Sorting Options | User Goal | | productAttributes.switchIncentivePerceivedValue | Users looking for accounts with switch incentives | | productAttributes.interestRates.grossAER | Users seeking accounts with interest rates | | productAttributes.overdraft.hasOverdraftFacility | Users interested in overdraft facilities | | productAttributes.overdraft.interestFreeOverdraftLimit | Users interested in overdraft facilities | | productAttributes.overdraft.annualCost | Users interested in overdraft facilities | | productAttributes.customerRatingScore | Users interested in the account's customer service | | productAttributes.digitalBankRating | Users interested in the account's digital access facilities |

Default Sorting

Sorting should always use the list bellow in the order presented. Depending on user goals, additional sorting options can be added to the start of the list or moved to the start if the option already exists in the list.

• productAttributes.switchIncentivePerceivedValue (descending)
• productAttributes.customerRatingScore (descending)
• productAttributes.overdraft.hasOverdraftFacility (descending)
• productAttributes.overdraft.interestFreeOverdraftLimit (descending)
• productAttributes.overdraft.annualCost (ascending)
• productAttributes.interestRates.grossAER (descending)
• monthlyFee (ascending)
• productAttributes.noCreditCheck (ascending)
• productAttributes.guaranteedAcceptance (descending)
• brand.name (ascending)
• name (ascending)

Usage Summary

When presenting results the AI model should always:

• round down total interest earned
• restrict the number of results to a maximum of 5 accounts

Find the best broadband deals for a UK address. Connects to MoneySuperMarket's live comparison engine to retrieve personalized deals from major UK providers (BT, Sky, Virgin Media, TalkTalk, Plusnet, EE, and more) with filtering by provider, price range, speed, and contract length. Always ask for the complete UK address (house name/number AND postcode) before calling this tool - do not use placeholder values.

Provides instant car insurance price estimates for UK drivers based on vehicle registration, location, and driver profile. The tool calculates a price range (lower and upper bounds) using vehicle details automatically retrieved from the registration number, combined with driver information including age, no-claims history, home ownership status, and licence type. All estimates are for UK vehicles only and require valid UK registration numbers and postcodes. Use this tool when users request car insurance quotes, price estimates, or want to understand insurance costs for a specific vehicle and driver combination. The tool returns both a price range and relevant vehicle details to help users make informed decisions.

Retrieves updated motor insurance quotes based on a user's previous enquiry, enabling quick comparison of current prices without re-entering all details. The tool automatically locates the user's most recent motor insurance enquiry, applies the new policy start date, looks up the vehicles associated with the provided registration and generates fresh quotes from multiple insurance providers. Authentication is required as this tool accesses the user's personal enquiry history. Use this tool when users want to look for car or van insurance. IMPORTANT: Default to vehicleType='car' unless the user explicitly mentions 'van' insurance. If the tool fails with vehicleType='car', retry with vehicleType='van'. If the user has no previous motor insurance enquiries on their profile or the user is not authenticated the tool will fail. In this scenario use the car insurance quick estimate tool instead.

Calculates personalized broadband speed recommendations for UK households based on household size, usage patterns, and connectivity needs. The tool uses an official speed recommendation matrix to determine optimal minimum and maximum download speeds (in Mbps) by analyzing the number of occupants, whether anyone streams video or plays online games, and whether anyone works from home. Returns a speed range that ensures all household members can use the internet simultaneously without performance degradation. Use this tool when users ask about suitable broadband speeds, what speed they need for their household, or when helping them find appropriate broadband deals. This tool is particularly useful as a prerequisite before searching for broadband packages using the get_broadband_deal tool, as it ensures recommendations match the household's actual requirements. For households with 1-2 people and basic usage, speeds typically range from 10-74 Mbps, while larger households with gaming and remote work may require 150-1000 Mbps.

Returns a collection of savings accounts searched with filtering and sorting.

Savings Accounts

• Reference

Overview

This document defines relevant information so that the AI model can work with the Money Broker API for Savings Accounts. Below there's a list of available numeric IDs for filtering savings account products, the AI model must use numeric values not enum names.

Field ID Mappings for requests and responses

accountTypeId

Savings account types:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | CASH_ISA | Standard tax-free Cash ISA | | 3 | EASY_ACCESS | Instant access savings accounts with no withdrawal restrictions | | 5 | NOTICE_ACCOUNT | Savings accounts requiring advance notice for withdrawals | | 7 | CHILD_TRUST_FUND | Government savings scheme for children (legacy) | | 8 | FIXED_RATE_BOND | Fixed interest rate bond products with term commitment | | 9 | FIXED_TERM_BOND | Fixed term bond products with locked-in rates | | 11 | FIXED_RATE_CASH_ISA | Tax-free ISA with fixed interest rate | | 12 | REGULAR_SAVER | Regular monthly savings accounts | | 13 | NOTICE_CASH_ISA | Tax-free ISA requiring withdrawal notice | | 14 | ISA_REGULAR_SAVER | Regular saver with ISA tax benefits | | 15 | CHILDREN_EASY_ACCESS | Easy access savings for children | | 16 | CHILDREN_NOTICE_ACCOUNT | Notice account for children | | 17 | CHILDREN_REGULAR_SAVER | Regular saver for children | | 18 | CHILDREN_FIXED_RATE | Fixed rate savings for children | | 19 | OFFSHORE_EASY_ACCESS | Offshore easy access accounts | | 20 | OFFSHORE_NOTICE_ACCOUNT | Offshore notice accounts | | 21 | OFFSHORE_REGULAR_SAVER | Offshore regular saver accounts | | 22 | OFFSHORE_FIXED_RATE | Offshore fixed rate products | | 23 | FIXED_TERM_CASH_ISA | Tax-free ISA with fixed term commitment | | 24 | CHILDREN_FIXED_TERM_ACCOUNT | Fixed term savings for children | | 25 | CASH_JUNIOR_ISA | Tax-free savings for children under 18 | | 26 | REGULAR_SAVER_JUNIOR_ISA | Junior ISA with regular contributions | | 27 | ALTERNATIVE_JUNIOR_ISA | Alternative Junior ISA products | | 28 | HELP_TO_BUY_ISA | Government Help to Buy ISA scheme | | 29 | LIFETIME_ISA | Tax-free ISA for first-time buyers and retirement |

Common groupings:

• All standard bonds: "[8, 9]"
• All ISAs: "[1, 11, 13, 14, 23]"
• All Junior ISAs: "[25, 26, 27]"
• Fixed rate products: "[8, 11, 18, 22]"
• Fixed term products: "[9, 23, 24]"
• Easy access products: "[3, 15, 19]"
• Notice accounts: "[5, 13, 16, 20]"
• Regular savers: "[12, 14, 17, 21, 26]"
• Children's accounts: "[7, 15, 16, 17, 18, 24, 25, 26, 27]"
• Offshore accounts: "[19, 20, 21, 22]"
• Government schemes: "[28, 29]"

accountOpeningAgeTypeIds

Age eligibility criteria:

| ID | Enum Name | Age Range | Description | |----|-----------|-----------|-------------| | 1 | UNDER_SIXTEEN | Under 16 years | Children and minors | | 2 | SIXTEEN_TO_TWENTY_TWO | 16-22 years | Young adults and students | | 3 | TWENTY_THREE_TO_FORTY_NINE | 23-49 years | Working-age adults | | 4 | FIFTY_AND_OVER | 50+ years | Senior savers |

Usage notes:

• Multiple age ranges can be combined with "filterType: 'ANY'"
• Use "filterType: 'ALL'" only if product must match all age criteria (rare)

accountOpeningTypeIds

Account opening channels:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | BRANCH | Open account in physical branch | | 2 | ONLINE | Open account via website | | 3 | POST | Open account by postal application | | 4 | PHONE | Open account via telephone | | 8 | MOBILE_APP | Open account via mobile application |

Usage notes:

• Use "filterType: 'ANY'" to find accounts available through at least one channel
• Combine multiple IDs to find accounts available via multiple channels

accountGroupTypeId

Product category groupings:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | CASH_ISA_ACCOUNTS | All Cash ISA products | | 2 | EASY_ACCESS_ACCOUNTS | Instant access accounts | | 3 | NOTICE_ACCOUNTS | Accounts requiring withdrawal notice | | 4 | REGULAR_SAVING_ACCOUNTS | Regular monthly savers | | 5 | FIXED_RATE_BONDS | Fixed interest rate bonds | | 6 | FIXED_TERM_BONDS | Fixed term bond products | | 7 | OFFSHORE_ACCOUNTS | Offshore savings products | | 8 | CHILD_TRUST_FUNDS | Child Trust Fund accounts | | 9 | HELP_TO_BUY_ISA | Help to Buy ISA products | | 10 | CASH_JUNIOR_ISA | Junior ISA products | | 11 | LIFETIME_ISA | Lifetime ISA products |

accountAccessTypeIds

Account access channels:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | BRANCH | Manage account in branch | | 2 | ONLINE | Manage account via website | | 3 | POST | Manage account by post | | 4 | PHONE | Manage account via telephone | | 8 | MOBILE_APP | Manage account via mobile app | | 9 | ATM | Manage account via cash machine |

Usage notes:

• Use "filterType: 'ANY'" to find accounts manageable through at least one channel
• Modern accounts typically support: "[2, 4, 8]" (Online, Phone, Mobile App)

rateTypeId

Interest rate types:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | VARIABLE | Interest rate can change over time | | 2 | FIXED | Interest rate guaranteed for term | | 3 | FIXED_THEN_VARIABLE | Fixed rate initially, then variable |

Usage notes:

• Fixed (2): Best for rate certainty
• Variable (1): May benefit from rate rises
• Fixed Then Variable (3): Initial guarantee with future flexibility

interestPaidTypeId

Interest payment frequency:

| ID | Enum Name | Description | Best For | |----|-----------|-------------|----------| | 1 | HALF_YEARLY | Interest paid twice per year | Semi-annual income | | 2 | ANNIVERSARY | Interest paid on account anniversary | Annual budgeters | | 3 | MONTHLY | Interest credited every month | Regular income seekers | | 4 | ON_CLOSURE | Interest paid when account closes | Flexible savers | | 5 | ON_MATURITY | Interest paid at end of term | Long-term savers | | 6 | ON_MATURITY_COMPOUNDED_ANNUALLY | Interest compounded and paid at maturity | Maximum growth | | 7 | ON_REQUEST | Interest paid on demand | Flexible income | | 8 | QUARTERLY | Interest paid four times per year | Quarterly income | | 9 | YEARLY | Interest paid once per year | Annual budgeters | | 10 | IN_ADVANCE | Interest paid upfront | Immediate income | | 11 | DAILY | Interest calculated and credited daily | Maximum compounding |

Usage notes:

• Most common: Monthly (3), Yearly (9), On Maturity (5)
• For maximum growth: Daily (11) or On Maturity Compounded Annually (6)

termAndNoticeId

Product term lengths and notice periods:

| ID | Enum Name | Description | Applies To | |----|-----------|-------------|------------| | 1 | INSTANT_OR_NONE | No term or notice requirement | Easy access accounts | | 2 | THIRTY_DAYS | 30 days notice or term | Notice accounts, short bonds | | 3 | SIXTY_DAYS | 60 days notice or term | Notice accounts | | 4 | ONE_TWENTY_DAYS | 120 days notice or term | Long notice accounts | | 5 | ONE_YEAR | 1 year term | Fixed term bonds | | 6 | TWO_YEARS | 2 year term | Fixed term bonds | | 7 | THREE_YEARS | 3 year term | Fixed term bonds | | 8 | FOUR_YEARS | 4 year term | Fixed term bonds | | 9 | FIVE_YEARS_PLUS | 5+ year term | Long-term bonds |

Usage notes:

• Easy access: Use "1" (INSTANT_OR_NONE)
• Notice accounts: Use "[2, 3, 4]"
• Bonds: Use "[5, 6, 7, 8, 9]" based on desired term length

category.code

Product category codes (dynamically assigned based on account type and term):

| Code | Description | Assignment Logic | |------|-------------|---------------------------------------------------| | "all_tiers" | All products | Default filter (assigned to all products) | | "all_products_and_all_tiers" | All products and tiers | Standard filter (assigned to all products) | | "savings-childrens-accounts" | Children's accounts | Any children's account type (IDs: 7, 15-18, 24-27) | | "seo easy access" | Easy access accounts | EASY_ACCESS account type (ID: 3) | | "seo notice accounts" | Notice accounts | NOTICE_ACCOUNT type (ID: 5) | | "seo help to buy isas" | Help to Buy ISAs | HELP_TO_BUY_ISA type (ID: 28) | | "seo cash isa" | Cash ISAs | CASH_ISA type (ID: 1) | | "seo fixed rate bonds 1 year" | 1-year fixed rate bonds | Fixed rate bond with 1-365 days term | | "seo fixed rate bonds 18 months" | 18-month fixed rate bonds | Fixed rate bond with 366-458 days term | | "seo fixed rate bonds 2 year" | 2-year fixed rate bonds | Fixed rate bond with 459-731 days term | | "seo fixed rate bonds 3 year" | 3-year fixed rate bonds | Fixed rate bond with 732-1095 days term | | "seo fixed rate bonds 4 year" | 4-year fixed rate bonds | Fixed rate bond with 1096-1461 days term | | "seo fixed rate bonds 5 year" | 5-year+ fixed rate bonds | Fixed rate bond with 1462+ days term | | "seo fixed rate isa 1 year" | 1-year fixed rate ISA | Fixed rate ISA with 1-365 days term | | "seo fixed rate isa 2 years" | 2-year fixed rate ISA | Fixed rate ISA with 366-731 days term | | "seo fixed rate isa 3 years" | 3-year+ fixed rate ISA | Fixed rate ISA with 732-1095 days term | | "seo fixed rate isa 4 years" | 4-year fixed rate ISA | Fixed rate ISA with 1096-1461 days term | | "seo fixed rate isa 5 years" | 5-year+ fixed rate ISA | Fixed rate ISA with 1462+ days term | | "seo regular saver" | Regular saver accounts | REGULAR_SAVER type (ID: 12) | | "seo offshore" | Offshore accounts | Any offshore account type (IDs: 19-22) |

Usage notes:

• Categories are dynamically assigned to products by the backend based on account type and term length
• The AI model must filter using the default category.code "all_tiers" in all requests, to avoid getting duplicate products in results
• Use "accountTypeId" and "termAndNoticeId" filters should be used to filter products instead of specific categories
• Non default category codes are useful for interpreting response data and understanding product classification

noticePeriod

How long someone must wait to access the funds in their savings account:

| Code | Description | |----------|-------------------------------------------------------| | "" | Notice period is not applicable | | "none" | Funds are available without notice | | "x days" | x days notice required, where x is the number of days |

displaySettings.showProceedButton

UI control for product application:

| Value | Meaning | |-------|---------| | "1" | Show "Proceed" button (standard for user-facing results) | | "0" | Hide "Proceed" button |

Usage notes:

• Always request accounts that show the "proceed" button by default ("1")

accountFeeFrequencyTypeId

Fee payment frequency:

| ID | Enum Name | Description | |----|-----------|-------------| | 1 | YEARLY | Annual fee charged | | 2 | MONTHLY | Monthly fee charged | | 3 | QUARTERLY | Quarterly fee charged | | 10 | NONE | No fees charged |

Usage notes:

• Fee Frequency Type Ids are useful for interpreting response data

filterCode

The code will be added to each account's click out URL. It's an internal field used for tracking purposes. The field has two components separated by an underscore ("_"): 1. The first part indicates the general type of the account based on the productAttributes.accountDetails.accountTypeId filter used. a. If the filter is used accepted values for the first part are: "FIXED_RATE", "EASY_ACCESS" and "ISA" b. If the filter is not used or contains values matching multiple accepted values then "ALL_TIERS" should be used instead. 2. The second part is optional and indicates the term length or notice period based on the productAttributes.accountDetails.termAndNoticeId filter. a. If the filter is used accepted values are: "1Y", "2Y", "3Y", "4Y", "5Y", or "NO_NOTICE". b. If the filter is not used or contains values matching multiple accepted values then this part should be omitted.

The list of acceptable options is:

| filterCode | Description | |------------|-------------| | FIXED_RATE_1Y | Fixed rate bond with 1 year term | | FIXED_RATE_2Y | Fixed rate bond with 2 year term | | FIXED_RATE_3Y | Fixed rate bond with 3 year term | | FIXED_RATE_4Y | Fixed rate bond with 4 year term | | FIXED_RATE_5Y | Fixed rate bond with 5 year or more term | | FIXED_RATE | Fixed rate bond without a termAndNoticeId filter or a mix of terms | | EASY_ACCESS | Easy access account regardless of the termAndNoticeId filter | | ISA_1Y | ISA with 1 year term | | ISA_2Y | ISA with 2 year term | | ISA_3Y | ISA with 3 year or more term | | ISA_4Y | ISA with 4 year term | | ISA_5Y | ISA with 5 year or more term | | ISA_NO_NOTICE | ISA with termAndNoticeId of 1

• INSTANT_OR_NONE |

| ALL_TIERS | Default code for all other cases |

Usage Summary

When presenting results the AI model should always:

• round down total interest earned
• restrict the number of results to a maximum of 5 accounts

Provides access to authoritative financial guidance from MoneySuperMarket's expert knowledge base, covering comprehensive information about financial products, services, and money management topics. The tool searches through verified articles and returns relevant excerpts with source citations, enabling users to get trusted advice on loans, mortgages, credit cards, insurance, energy, broadband, banking, and personal finance. Each response includes combined answer text synthesized from multiple sources, direct links to full MoneySuperMarket articles for deeper reading, and structured data with individual excerpts and citations for transparency.

Use this tool when users ask about financial products, services, or personal finance topics including: • Loans: personal loans, car loans, bad credit loans, debt consolidation, loan eligibility, APR rates, secured vs unsecured • Mortgages: first-time buyer guidance, remortgaging process, mortgage types (fixed/variable/tracker), rates, affordability, deposit requirements • Credit Cards: best cards for specific needs, cashback and rewards programs, balance transfers, credit building, 0% purchase/transfer offers • Credit Scores: improving credit rating, understanding credit reports, factors affecting scores, credit checks impact, credit reference agencies • Insurance: car, home, life, travel, pet insurance comparisons, policy types, coverage options, claims processes, exclusions • Energy: switching suppliers, tariff comparisons, fixed vs variable rates, smart meters, energy efficiency tips, understanding bills • Broadband: speed requirements, provider comparisons, switching process, contract terms, fiber availability, technology types • Banking: current accounts, savings accounts, overdrafts, switching services, account features, fees • Money Management: budgeting strategies, saving techniques, financial planning, cost of living advice, debt management • MoneySupermarket's own customer rewards program SuperSaveClub: how it works, benefits, and redemption options.

The tool returns only verified, up-to-date information from official MoneySuperMarket editorial content. All results are properly cited with source article links that are automatically displayed. This tool is ideal for educational content and general financial guidance but cannot provide personalized financial advice or execute transactions.