# Monument Bank

**Canonical:** https://apis.io/providers/monument-bank/  
**Website:** https://www.monument.co/  
**APIs profiled:** 4

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.

## Kin Score — 39.5 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 39.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.2 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 87.3 (matched via tags).

## Agent readiness — 39.3 (agent-ready)

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

## Access

No public developer program identified — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (4)

- **Monument Bank Open Data API** — 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 commerci...
- **Monument Bank Account and Transaction Information API** — UK Open Banking Read/Write Account & Transaction Information (AIS) API per the OBIE Read/Write API Standard - accounts, balances, transactions, beneficiaries, standing orders, d...
- **Monument Bank Payment Initiation API** — 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 fo...
- **Monument Bank Confirmation of Funds API** — 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 paymen...

## Agentic access (1)

- **Monument Bank Agentic Access** — 86 operations · 20 acting

## Security (2)

- **Monument Bank Authentication** — oauth2 · 2 schemes
- **Monument Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Savings, Challenger Bank, Account Information, Payments

---

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