# PocketSmith MCP server vs Snoop (slim)

> PocketSmith scores 46.6 (D) to Snoop's 26.9 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/pocketsmith-mcp-vs-snoop.md (~3,150 tokens) · this version ~1,780 tokens · JSON https://www.anchorterminal.com/compare/pocketsmith-mcp-vs-snoop.json · canonical https://www.anchorterminal.com/compare/pocketsmith-mcp-vs-snoop
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
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PocketSmith MCP server scores 46.6 (D) on agent readiness against Snoop's 26.9 (F), and leads in 3 of 7 scored categories. Snoop leads on reliability and transparency & trust. Both do personal transactions.

- PocketSmith MCP server: D 46.6, rank #1172 of 1510 · https://www.anchorterminal.com/tools/pocketsmith-mcp.min.md
- Snoop: F 26.9, rank #1433 of 1510 · https://www.anchorterminal.com/tools/snoop.min.md
- PocketSmith MCP server, good for People who budget in PocketSmith and want an assistant to review spending, categorise transactions and plan budgets. Ahead on Schema & documentation, 46 against 0; Agent ergonomics, 55 against 0; Security & auth, 53 against 6. Also A hosted endpoint, with nothing to install.
- Snoop, good for UK users who want bills and subscriptions watched and savings suggested at no cost. Ahead on Reliability, 60 against 40; Transparency & trust, 60 against 52.

| Category | PocketSmith MCP server | Snoop |
| --- | --- | --- |
| Reliability (16%) | 40 | 60 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 46 | 0 |
| Agent ergonomics (13%) | 55 | 0 |
| Security & auth (14%) | 53 | 6 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 53 | 55 |
| Transparency & trust (7%) | 52 | 60 |

| Fact (where they differ) | PocketSmith MCP server | Snoop |
| --- | --- | --- |
| Kind | MCP server | Platform |
| Vendor | PocketSmith Ltd | Usnoop Limited |
| Hosted endpoint | `https://mcp.pocketsmith.com/mcp` | no (local only) |
| Transports | Streamable HTTP |  |
| Auth | OAuth | OAuth or key |
| Licence | none | Closed service under Snoop's terms and conditions (Usnoop Limited) |
| Tools exposed | 66 | none |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| MCP registry | `com.pocketsmith/mcp` | not listed |
| Last release | none | 2026-09-30 |
| Terms last updated | no document linked | no date given |
| Privacy policy last updated | not read yet | no date given |
| Customer content may train models | not read yet | not found in the text |
| Terms restrict automated access | not read yet | not found in the text |
| Terms restrict benchmarking | not read yet | not found in the text |
| Terms or service can change without notice | not read yet | not found in the text |
| Arbitration or class-action waiver | not read yet | not found in the text |
| Agent reviews | none | 1.8/5 (4) |

Why the edge:
- Agent ergonomics, PocketSmith MCP server +55: PocketSmith MCP server 55 (66 tools on the full server (5), with a separate 40-tool read-only server (5 back). Pagination guide for the REST API (12 of 20). Errors guide (10 of 20). Deletes always need the user's approval, and a read-only server exists; annotations not read (15 of 20). One-click directory listings in Claude and ChatGPT; SDKs not checked (8 of 15). 10 + 12 + 10 + 15 + 8 = 55.); Snoop 0 (Graded on the interface an outside agent can use. Snoop has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.)
- Security & auth, PocketSmith MCP server +47: PocketSmith MCP server 53 (OAuth, revocable, tokens encrypted and stateless; scopes not published (22 of 30). A separate read-only server and approval before any delete (18 of 20). Transaction descriptions come from banks and payees; no injection guidance (5 of 15). No audit log of agent calls found (0). A security page with an email for reports and no bug bounty; no security.txt (404) (8 of 20). 22 + 18 + 5 + 0 + 8 = 53.); Snoop 6 (Graded on the interface an outside agent can use. With none for Snoop, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, login combines the device, phone number and a key code or biometrics, and banks connect through Open Banking. A responsible disclosure policy with an email address and GPG key, no bounty, and "regular audits" with unnamed security partners; no security.txt or certification found (6 of 20).)
- Schema & documentation, PocketSmith MCP server +46: PocketSmith MCP server 46 (Schemas not read without sign-in (15 of 25). llms.txt and a Markdown copy of every docs page (10). Capabilities described by task, not per tool (8 of 20). Inputs not verifiable (5 of 15). Usage examples and an errors guide for the REST API (8 of 15). The developer changelog's newest entry is almost eight years old (0). 15 + 10 + 8 + 5 + 8 + 0 = 46.); Snoop 0 (Graded on the interface an outside agent can use. Snoop has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. snoop.app/llms.txt returns 404 (0). With no agent interface there is nothing to version (0 of 15).)
- Reliability, Snoop +20: PocketSmith MCP server 40 (Statuspage at status.pocketsmith.com with components for web, mobile and API, feeds and email, none for MCP (15). One 'Unexpected outage and degraded performance' on 18 August 2026 in the last 90 days (10). API rate limits not found in the docs read (0). An Errors guide in the developer docs, no retry guidance found (5 of 15). No SLA found (0). Not labelled beta (10). 15 + 10 + 0 + 5 + 0 + 10 = 40.); Snoop 60 (Read with the hosted lines. Statuspage at snoopstatus.statuspage.io with app, account-linking and per-bank components and history back to 2020 (20). No incident from 16 July to 14 October 2026; the last was a transaction and bill refresh problem on 16 and 17 December 2025 (30). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2020 and not labelled beta (10).)
- Transparency & trust, Snoop +8: PocketSmith MCP server 52 (Closed service; the privacy policy names PocketSmith Limited (15). Data handling is described by purpose and names Plaid and Salt Edge as feed providers, with no retention periods (15 of 30). No deprecation policy found (2 of 20). Bank-feed processors named, no full subprocessor list (10 of 20). 15 + 15 + 2 + 10 = 42.); Snoop 60 (Closed service under terms naming Usnoop Limited, undated (15). The privacy policy, also undated, says Snoop never sells personal data but sells aggregated market research with personal data removed, and gives no retention periods (15 of 30). No deprecation policy or dated notices found (2 of 20). A table names processors with data locations, including US analytics, and the transfer safeguards (16 of 20).)