# Monzo

**Canonical:** https://apis.io/providers/monzo/  
**Website:** https://monzo.com  
**APIs profiled:** 1

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.

## Kin Score — 44.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.3).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 66.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags).

## Agent readiness — 40.0 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **Monzo MCP (candidate)**

## Security (3)

- **Monzo Authentication** — oauth2/http · 2 schemes
- **Monzo Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Monzo Vulnerability Disclosure** — Intigriti · security.txt · contact published

## Tags

Company, Banking, Fintech, Financial-Services, Payments, Open Banking, Account, Transaction, Authentication

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