Monzo

Monzo is a UK-based digital challenger bank (Monzo Bank Ltd, FCA-authorised) offering current accounts, savings pots, joint accounts, business banking and lending through a mobile-first app. For developers, Monzo publishes a public REST API at api.monzo.com that lets a user build personal applications against their own Monzo account: listing accounts, reading balances, managing savings pots, retrieving and annotating transactions, uploading receipts and attachments, posting custom feed items into the app, and registering webhooks for real-time transaction notifications. Access uses OAuth 2.0 with Strong Customer Authentication (SCA) approved via push notification in the Monzo app. The API is intended for personal use and small groups of authorised users rather than large public applications.

Monzo is listed with 1 API on the APIs.io network. Tagged areas include Company, Banking, Fintech, Financial Services, and Payments.

The Monzo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Monzo’s developer surface includes authentication, sandbox, documentation, API reference, getting-started guide, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.8/100 developing ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API 1 MCP Servers 3 Agent Skills

Company Banking Fintech Financial Services Payments Open Banking Account Transaction OAuth Consumer Banking Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 40.8/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 11.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 4.4 / 11

Contract Governance 0.5 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.7 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 4.5 — up to +11.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/monzo/apis.yml: open an issue on github.com/api-evangelist/monzo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Raycast Store Extensions (first-party publishers + community-wrapped products)	mixed	31.2	-	-
IFTTT Services (service publishers)	mixed	31.2	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Monzo API

The Monzo API is a REST interface over a user's Monzo account. It exposes accounts, balance, savings pots (with deposit/withdraw), transactions (list, retrieve, annotate with me...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Monzo MCP (candidate)

Remote MCP server over HTTP; 13 tools listed. A candidate, not confirmed as published by the provider.

MCP SERVER

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Move money between an account and savings pots

AGENT SKILL

Receive real-time transaction notifications via webhooks

AGENT SKILL

List, retrieve and annotate transactions

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Monzo Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Monzo Authentication

oauth2/http · 2 schemes

SECURITY

Monzo Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Monzo Vulnerability Disclosure

Intigriti · security.txt · contact published

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

MCPServer

LLMsTxt

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

DomainSecurity

SecurityTxt

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: monzo
name: Monzo
description: 'Monzo is a UK-based digital challenger bank (Monzo Bank Ltd, FCA-authorised) offering current accounts, savings
  pots, joint accounts, business banking and lending through a mobile-first app. For developers, Monzo publishes a public
  REST API at api.monzo.com that lets a user build personal applications against their own Monzo account: listing accounts,
  reading balances, managing savings pots, retrieving and annotating transactions, uploading receipts and attachments, posting
  custom feed items into the app, and registering webhooks for real-time transaction notifications. Access uses OAuth 2.0
  with Strong Customer Authentication (SCA) approved via push notification in the Monzo app. The API is intended for personal
  use and small groups of authorised users rather than large public applications.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://monzo.com/static/images/favicon.png
url: https://raw.githubusercontent.com/api-evangelist/monzo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: profiled
x-tier-reason: enriched-from-portfolio-lead
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Banking
- Fintech
- Financial Services
- Payments
- Open Banking
- Account
- Transaction
- OAuth
- Consumer Banking
- Authentication
tags_raw:
- Company
- Banking
- Fintech
- Financial Services
- Payments
- Open Banking
- Accounts
- Transactions
- OAuth
- Financial-Services
- Consumer Banking
- Authentication
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/monzo-vulnerability-disclosure.yml
- name: Monzo Security Policy & Bug Bounty
  url: https://monzo.com/.well-known/security.txt
  type: Security
- type: DomainSecurity
  url: security/monzo-domain-security.yml
- name: Monzo security.txt
  url: well-known/monzo-security.txt
  type: SecurityTxt
- name: Monzo Well-Known Index
  url: well-known/monzo-well-known.yml
  type: WellKnown
- name: Monzo Authentication Profile
  url: authentication/monzo-authentication.yml
  type: Authentication
- name: Monzo API Conventions
  url: conventions/monzo-conventions.yml
  type: Conventions
- name: Monzo Idempotency (dedupe_id)
  url: conventions/monzo-conventions.yml
  type: Idempotency
- name: Monzo Error Catalog
  url: errors/monzo-problem-types.yml
  type: ErrorCatalog
- name: Monzo Lifecycle
  url: lifecycle/monzo-lifecycle.yml
  type: Lifecycle
- name: Monzo Conformance
  url: conformance/monzo-conformance.yml
  type: Conformance
- name: Monzo Data Model
  url: data-model/monzo-data-model.yml
  type: DataModel
- name: Monzo API Playground
  url: sandbox/monzo-sandbox.yml
  type: Sandbox
- name: Monzo MCP (candidate)
  url: mcp/monzo-mcp.yml
  type: MCPServer
- name: Monzo llms.txt
  url: llms/monzo-llms.txt
  type: LLMsTxt
- name: Monzo Webhooks
  url: asyncapi/monzo-webhooks.yml
  type: Webhooks
- name: Monzo Agent Skills
  url: skills/_index.yml
  type: AgentSkill
- name: Monzo
  url: https://monzo.com
  type: Website
- name: Monzo for Developers
  url: https://developers.monzo.com
  type: DeveloperPortal
- name: Monzo API Documentation
  url: https://docs.monzo.com
  type: Documentation
- name: Monzo API Reference
  url: https://docs.monzo.com
  type: APIReference
- name: Monzo Developer Playground
  url: https://developers.monzo.com/api/playground
  type: GettingStarted
- name: Monzo Blog
  url: https://monzo.com/blog/
  type: Blog
- name: Monzo Community
  url: https://community.monzo.com
  type: Support
- name: Monzo on GitHub
  url: https://github.com/monzo
  type: GitHubOrganization
- name: Monzo Status
  url: https://status.monzo.com
  type: StatusPage
- name: Monzo Terms and Conditions
  url: https://monzo.com/legal/terms-and-conditions/
  type: TermsOfService
- name: Monzo Privacy Policy
  url: https://monzo.com/legal/privacy-policy/
  type: PrivacyPolicy
apis:
- aid: monzo:monzo-api
  name: Monzo API
  humanURL: https://docs.monzo.com
  baseURL: https://api.monzo.com
  tags:
  - Banking
  - Account
  - Balances
  - Pots
  - Transaction
  - Feed
  - Attachments
  - Receipts
  - Webhook
  tags_raw:
  - Banking
  - Accounts
  - Balance
  - Pots
  - Transactions
  - Feed
  - Attachments
  - Receipts
  - Webhooks
  properties:
  - url: https://docs.monzo.com
    type: Documentation
  - url: https://docs.monzo.com
    type: APIReference
  - url: https://developers.monzo.com/api/playground
    type: GettingStarted
  description: The Monzo API is a REST interface over a user's Monzo account. It exposes accounts, balance, savings pots (with
    deposit/withdraw), transactions (list, retrieve, annotate with metadata, expand merchant), feed items, attachments, transaction
    receipts, and webhooks for real-time transaction.created notifications. Authentication is OAuth 2.0 (authorization code
    grant) with Strong Customer Authentication approved in the Monzo mobile app; all requests carry a Bearer access token.

Monzo API — frequently asked questions

Does Monzo have an API?

Yes. APIs.io lists 1 API from Monzo, including Monzo API.

How do I authenticate with the Monzo API?

Monzo uses bearer-token authentication (oauth2/http · 2 schemes). The details are profiled on APIs.io as Monzo Authentication.

Does Monzo have an MCP server?

Yes. APIs.io lists 1 MCP server for Monzo: Remote MCP server over HTTP; 13 tools listed. A candidate, not confirmed as published by the provider.

Is the Monzo API ready for AI agents?

Monzo has a Kin Score of 40.8 out of 100 (developing) and an Agent Readiness score of 26.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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