Monument Bank

aid: monument-bank
url: https://raw.githubusercontent.com/api-evangelist/monument-bank/refs/heads/main/apis.yml
name: Monument Bank
kind: company
description: Monument Bank Limited is a UK challenger bank headquartered at 33 Cavendish Square, London, purpose-built for
  the "mass affluent" - professionals, entrepreneurs, and savers with substantial assets who have historically been underserved
  between mainstream retail banking and private banking. It received a full UK banking licence in November 2021, launched
  its first app-based savings products in early 2022, and in 2024 joined Tech Nation's Future Fifty cohort of leading pre-IPO
  companies. Monument is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority
  (FCA) and PRA under FRN 849724, with eligible deposits protected by the FSCS. It is privately held (investors include Dubai
  Investments, which took a ~9% stake) and operates the technology it spun out as Monument Technology. Its current product
  suite is app-only savings - easy access accounts, cash ISAs, limited access savers, notice accounts, and fixed-term deposits
  - plus a planned move into buy-to-let and property lending. As a smaller, savings-and-lending-focused ASPSP it is NOT one
  of the CMA9 mandated banks and does not publish a public developer portal; where it participates in UK Open Banking it does
  so against the Open Banking Implementation Entity (OBIE) Open Data and Read/Write API Standards under the PSD2 / FCA framework,
  secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: No public developer program identified
  confidence: low
  source:
  - website
  generated: '2026-07-23'
  method: manual
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Savings
- Challenger Bank
- Account Information
- Payments
created: '2026-07-23'
modified: '2026-07-23T10:00:00Z'
specificationVersion: '0.19'
apis:
- aid: monument-bank:monument-open-data-api
  name: Monument Bank Open Data API
  description: UK Open Banking Open Data API - the PUBLIC, unauthenticated reference-data surface defined by the OBIE Open
    Data Standard (product, ATM, branch, PCA, BCA, SME loan, and commercial credit card reference data). Represented here
    against the shared OBIE Open Data Standard; Monument does not publish a confirmed public Open Data endpoint (its API host
    api.monument.co responds 403 / access-controlled), so this entry is UNVERIFIED for Monument and the harvested spec is
    the shared standard, not a Monument contract.
  humanURL: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  baseURL: https://api.monument.co/open-data/v2.3
  tags:
  - Open Data
  - Reference Data
  - Public
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-swagger.json
  - type: Documentation
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/
- aid: monument-bank:monument-account-info-api
  name: Monument Bank Account and Transaction Information API
  description: UK Open Banking Read/Write Account & Transaction Information (AIS) API per the OBIE Read/Write API Standard
    - accounts, balances, transactions, beneficiaries, standing orders, direct debits, statements, and parties for authorised
    AISP third parties. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). Represented against the shared OBIE standard; Monument
    publishes no public developer portal and the harvested spec is the OBIE standard, not a Monument contract - UNVERIFIED
    for Monument.
  humanURL: https://github.com/OpenBankingUK/read-write-api-specs
  baseURL: https://api.monument.co/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AIS
  - Read/Write
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-openapi.yaml
  - type: Documentation
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/
- aid: monument-bank:monument-payment-initiation-api
  name: Monument Bank Payment Initiation API
  description: UK Open Banking Read/Write Payment Initiation (PIS) API per the OBIE Read/Write API Standard - domestic, scheduled,
    standing-order, international, and file payment initiation for authorised PISP third parties. FAPI-secured (OAuth2/OIDC,
    mTLS, PSD2 SCA). Represented against the shared OBIE standard; the harvested spec is the OBIE standard, not a Monument
    contract - UNVERIFIED for Monument.
  humanURL: https://github.com/OpenBankingUK/read-write-api-specs
  baseURL: https://api.monument.co/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PIS
  - Read/Write
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/
- aid: monument-bank:monument-confirmation-of-funds-api
  name: Monument Bank Confirmation of Funds API
  description: UK Open Banking Read/Write Confirmation of Funds (CBPII) API per the OBIE Read/Write API Standard - confirms
    availability of funds on an account for authorised card-based payment instrument issuers. FAPI-secured (OAuth2/OIDC, mTLS,
    PSD2 SCA). Represented against the shared OBIE standard; the harvested spec is the OBIE standard, not a Monument contract
    - UNVERIFIED for Monument.
  humanURL: https://github.com/OpenBankingUK/read-write-api-specs
  baseURL: https://api.monument.co/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Read/Write
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-openapi.yaml
  - type: Documentation
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/
common:
- type: AgenticAccess
  url: agentic-access/monument-bank-agentic-access.yml
- type: ErrorCatalog
  url: errors/monument-bank-problem-types.yml
- type: Conformance
  url: conformance/monument-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/monument-bank-lifecycle.yml
- type: Conventions
  url: conventions/monument-bank-conventions.yml
- type: Idempotency
  url: conventions/monument-bank-conventions.yml
- type: DataModel
  url: data-model/monument-bank-data-model.yml
- type: LLMsTxt
  url: llms/monument-bank-llms.txt
- type: DomainSecurity
  url: security/monument-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/monument-bank-scopes.yml
- type: Authentication
  url: authentication/monument-bank-authentication.yml
- type: Website
  url: https://www.monument.co/
- type: About
  url: https://www.monument.co/about
- type: Blog
  url: https://www.monument.co/blog
- type: News
  url: https://www.monument.co/news
- type: LinkedIn
  url: https://www.linkedin.com/company/monument-bank/
- type: Support
  url: https://www.monument.co/contact-us
- type: FAQ
  url: https://www.monument.co/faq
- type: TermsOfService
  url: https://www.monument.co/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.monument.co/privacy
- type: Compliance
  url: https://register.fca.org.uk/s/firm?id=0010X00004ksS6tQAE
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com