Monzo

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.'
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Banking
- Fintech
- Financial Services
- Payments
- Open Banking
- Accounts
- Transactions
- OAuth
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
  - 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.