Monese

Monese is a London-founded fintech that provides mobile money accounts to consumers across Europe. Operating as a licensed Electronic Money Institution (EMI) rather than a traditional bank, Monese lets over two million users open an account in minutes and then spend, send, and save money directly from a smartphone app. Its product surface covers multi-currency and local accounts, international money transfers, physical and virtual debit cards, budgeting and savings tools, and credit-building features. Monese is a consumer-facing mobile application and does not publish a public developer API, developer portal, or API documentation as of this enrichment pass.

Monese is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Payments, and Mobile.

Monese’s developer surface includes engineering blog, pricing, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.8/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechBankingPaymentsMobileMoney TransferDigital BankingEurope

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 11.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 5.4 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/monese: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: monese
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/monese.png
name: Monese
description: Monese is a London-founded fintech that provides mobile money accounts to consumers across Europe. Operating
  as a licensed Electronic Money Institution (EMI) rather than a traditional bank, Monese lets over two million users open
  an account in minutes and then spend, send, and save money directly from a smartphone app. Its product surface covers multi-currency
  and local accounts, international money transfers, physical and virtual debit cards, budgeting and savings tools, and credit-building
  features. Monese is a consumer-facing mobile application and does not publish a public developer API, developer portal,
  or API documentation as of this enrichment pass.
url: https://raw.githubusercontent.com/api-evangelist/monese/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
- seedcamp
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Banking
- Payments
- Mobile
- Money Transfer
- Digital Banking
- Europe
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://monese.com
- type: Blog
  url: https://monese.com/blog
- type: Pricing
  url: https://monese.com/our-pricing
- type: PrivacyPolicy
  url: https://monese.com/privacy
- type: TermsOfService
  url: https://monese.com/terms
- type: Support
  url: https://support.monese.com
- type: StatusPage
  url: https://status.monese.com
- type: DomainSecurity
  url: security/monese-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1