# Monese

**Canonical:** https://apis.io/providers/monese/  
**Website:** https://monese.com  
**APIs profiled:** 0

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.

## Kin Score — 11.8 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.8).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Monese Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Banking, Payments, Mobile, Money Transfer, Digital Banking, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/monese/). Scores are computed from the provider's own public artifacts under a published rubric.