bank_switch_offers
ClaudeUse this when someone in the UK asks which banks pay you to switch, or for current account switching bonuses. UK current accounts that pay to switch, from MoneyHQ's checked records, highest bonus first among offers open to most people, then offers open only to some (such as Premier customers only), labelled: the bonus, the conditions to get it and the deadlines, the monthly fee, when MoneyHQ last checked it against the bank's own page, and a link. Where William, MoneyHQ's deal editor, has reviewed the bank, his verdict is quoted with a link.
bill_audit_link
ClaudeUse this when someone wants to check all their household bills in one go. The link to MoneyHQ's free Bill Audit on moneyhq.uk, which walks through broadband, mobile, SIM and energy bills to see whether the same thing costs less on today's deals. Takes no input and collects nothing in the chat.
check_if_overpaying
ClaudeUse this when someone in the UK says what they pay now for broadband, a SIM only plan or a phone contract and wants to know if they are overpaying, could pay less, or should switch. Sets their monthly price against the cheapest comparable deal in MoneyHQ's live feed (at least as fast, or at least as much data) and returns the saving in pounds over that deal's contract, per month and per year, with every step of the sum shown. Broadband needs a full postcode; ask for their current speed (or data allowance) and how many months are left on their contract to compare like for like. Their figure is held flat and the deal includes its stated price rises; cashback is never subtracted. If they share a photo or PDF of their bill, read the figures off it (monthly price, speed or data, contract end date) and pass those: only the figures are sent, never the image. The postcode is used once and never stored.
check_price_rise
ClaudeUse this when someone in the UK has had, or expects, a mid-contract price rise on broadband or mobile, or asks if they are out of contract or can leave without an exit fee. Applies Ofcom's published rules to their dates and figures: since 17 January 2025 any rise must be set out in pounds and pence before signing; a rise the contract did not set out, or one bigger than it said, can be escaped within 30 days of being told; out of contract there is no exit fee. Returns whether they can leave free and until when, the rise in pounds a month, a year and to the end of the contract, the working, and Ofcom's sources. Ask when they signed, the contract length, what the contract said about rises, and the old and new monthly prices. Nothing is stored.
compare_broadband
ClaudeUse this when someone wants broadband deals they have already seen set side by side. Side by side comparison of two to five broadband deals by their deal ids (from search_broadband): monthly price, setup fee, total contract cost with stated rises, average monthly cost, speeds, contract length and any reward, with which is cheapest over the contract and which is fastest. Pass the same postcode to re-read the deals live there.
energy_price_cap
ClaudeUse this when someone in the UK asks what their gas and electricity cost on the price cap, what the cap means for their bill, or how to get an energy quote. Works out the yearly and monthly cost at their own usage in kWh (from a bill or annual statement), or at Ofgem's typical usage, from Ofgem's published cap rates for Direct Debit, with every step shown and the dates the rates apply. It does not quote tariffs in the chat: a priced quote needs the home's address, so the answer links to MoneyHQ's page where the quote is done with its energy partner. Nothing is stored.
explain_broadband_term
ClaudeUse this when someone asks what a broadband term means. Explain one broadband term from MoneyHQ's fixed glossary, such as full fibre, mid-contract price rises, setup fees or switching. Only the glossary's own wording is returned.
find_phone_deals
ClaudeUse this when someone in the UK asks about pay monthly deals for a particular phone. UK pay monthly contracts for one handset (for example "iPhone 17 Pro" or "Galaxy S25") from MoneyHQ's comparison partner, read live. Optional filters: highest monthly price, highest upfront cost, network, minimum data. Each contract gives the monthly price, upfront cost, the total contract cost with stated rises, data, contract length, any cashback, a deal id and a link to its MoneyHQ page. Ranked by total contract cost, with the cheapest by total at each storage size. Beside the list, two labelled picks, each by a stated rule: the lowest upfront cost, and the lowest total among unlimited data deals. For a phone in launch week (for example the iPhone Duo, Apple's folding iPhone) it also says whether it is on pre-order and when it ships, with the maker's prices. If the handset name is not found or matches several phones, the closest names are returned to choose from.
find_sim_deals
ClaudeUse this when someone in the UK asks for a SIM only deal, the cheapest SIM, more data for less, or a plan on a particular network. UK SIM only deals from MoneyHQ's comparison partner, read live. Optional filters: network, minimum data, unlimited only, highest monthly price, contract length. Each deal gives the monthly price, data, contract length, every stated mid-contract price rise, the total contract cost with those rises, a deal id and a link to its MoneyHQ page. Ranked by average monthly cost over the contract. Where William, MoneyHQ's deal editor, has written a guide to the network, his verdict is quoted with a link.
get_deal_details
ClaudeUse this when someone wants more on one deal from an earlier answer. Everything MoneyHQ holds on one deal by its deal id (from any other tool): figures, terms, the total contract cost, where the figures come from and when they were read, caveats, William's verdict where he has written one, and a link to its MoneyHQ page. For a broadband deal, pass the postcode to re-read it live there.
haggle_helper
ClaudeUse this when someone in the UK says their broadband or mobile bill went up, or wants to haggle, negotiate a lower price or threaten to leave. Returns the cheapest comparable deal in MoneyHQ's live feed with its whole-contract total (broadband needs a full postcode; give their speed or data to compare like for like), their provider's number to leave on and its opening hours from a dated list checked on each provider's own help page, their rights under Ofcom's rules (with dates, whether they can leave without an exit fee and until when), and a short script built only from those figures. If they share a photo of a bill or a price rise letter, read the figures off it and pass those: only the figures are sent, never the image. Nothing is stored.
outright_vs_contract
ClaudeUse this when someone in the UK asks whether to buy a phone outright and add a SIM only plan, or take it on a pay monthly contract. Works out both over 24 months from MoneyHQ's live feed: the cheapest 24 month contract for that handset, against the outright price plus the cheapest 24 month SIM only plan with at least the same data, stated price rises included, with the working shown. The outright price is the maker's own UK store price for the same storage, from a list MoneyHQ checks by hand and dates (Apple, Samsung and Google phones the partner carries); where it holds none, or the user gives their own price, pass outright_price_gbp and the answer labels it as theirs.
recommend_speed_band
ClaudeUse this when someone asks what broadband speed their household needs. Suggest a broadband speed band for a household from how many people use it and what they do at the same time (HD and 4K streams, video calls, online gaming, large uploads). The rules are fixed and shown in the answer, with the minimum download speed to pass to search_broadband. A rule of thumb, not a guarantee of what a line delivers.
reminders_and_alerts
ClaudeUse this when someone in the UK asks to be reminded when their broadband, SIM or phone contract ends, alerted when a savings rate beats a figure, told when the energy price cap changes, or alerted when a deal drops below a price. Returns what MoneyHQ can actually send and a link to its page on moneyhq.uk where they sign up with their email. Nothing is collected in the chat. MoneyHQ has no alert for a single deal's price; for that it offers its weekly email and says so.
savings_interest
ClaudeUse this when someone in the UK asks how much interest a sum would earn, what they would get after tax, or whether a Cash ISA is worth it for them. Takes the amount, an account from MoneyHQ's checked savings shelf (a deal id from savings_rates, or the top account of a kind by AER) and their income tax band, and works out the interest over the term, the tax under HMRC's Personal Savings Allowance and starting rate for savings, and what the top Cash ISA on the shelf would leave instead (only the ISA allowance can go in). Every step and HMRC figure is shown with its gov.uk source. Information only.
savings_rates
ClaudeUse this when someone in the UK asks about savings rates, easy access accounts, fixed rate bonds, Cash ISAs, regular savers or notice accounts. UK savings accounts and Cash ISAs from MoneyHQ's checked records, highest rate first, for one kind: easy access, fixed rate, cash ISA, regular saver or notice. Each gives the AER, the term or access, the minimum, the catch, when MoneyHQ last checked it against the provider, and a link to its MoneyHQ page. A checked selection, not the whole market. Ranked by AER only.
search_broadband
ClaudeUse this when someone in the UK asks what broadband they can get, the cheapest broadband or full fibre where they live, or broadband at a postcode. Broadband packages available at a UK postcode, read live from MoneyHQ's comparison partner. Optional filters: highest monthly price, minimum download speed, contract length, full fibre only, one provider. Each deal gives the monthly price, setup fee, contract length, the total contract cost with any stated price rises, speeds, a deal id for get_deal_details or compare_broadband, and a link to its MoneyHQ page. Ranked by average monthly cost over the contract. The postcode is used once for this read and never stored. Broadband only and broadband with a phone line; TV bundles and 4G or 5G home broadband are not included.
social_tariffs
ClaudeUse this when someone in the UK asks about cheaper broadband for people on benefits, social tariffs, essential or basic broadband, or help with bills on Universal Credit or Pension Credit. Lists every social tariff on Ofcom's published list with its monthly price, speed and where it is offered, cheapest first, with who qualifies and the date Ofcom last updated the list. Optional filters: highest price, minimum speed, a place name (UK-wide tariffs are included either way), one provider. Asks nothing about the person's benefits; nothing is stored.
