diff --git a/src/Purrse.Api/Services/ChatService.cs b/src/Purrse.Api/Services/ChatService.cs
index 8feeafe..b4de673 100644
--- a/src/Purrse.Api/Services/ChatService.cs
+++ b/src/Purrse.Api/Services/ChatService.cs
@@ -593,7 +593,8 @@ public class ChatService : IChatService
         summary.AppendLine($"Found {result.TotalCount} transaction(s).");
         foreach (var txn in result.Items.Take(25))
         {
-            summary.AppendLine($"- {txn.Date:yyyy-MM-dd} | {txn.PayeeName ?? "Unknown"} | {txn.Amount:C} | {txn.CategoryName ?? "Uncategorized"} (ID: {txn.Id})");
+            var memo = string.IsNullOrWhiteSpace(txn.Memo) ? "" : $" | \"{txn.Memo}\"";
+            summary.AppendLine($"- {txn.Date:yyyy-MM-dd} | {txn.PayeeName ?? "Unknown"} | {txn.Amount:C} | {txn.CategoryName ?? "Uncategorized"}{memo} (ID: {txn.Id})");
         }
 
         return ("transactions", result, summary.ToString());