Monument Bank
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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Monument Bank the way a machine reads it — 39 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Monument Bank scores 40.5/100 (developing), with a separate agent-readiness read of 37/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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title="Monument Bank on API Evangelist — API profile and Kin Score">
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alt="Monument Bank Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Monument Bank
Each block below is one kind of artifact we hold for Monument Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 34
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Monument Bank Account Access Consents API
The Account Access Consents API from Monument Bank — 2 operation(s) for account access consents.
Monument Bank Accounts API
The Accounts API from Monument Bank — 2 operation(s) for accounts.
Monument Bank ATM API
Endpoint for getting ATM data
Monument Bank Balances API
The Balances API from Monument Bank — 2 operation(s) for balances.
Monument Bank BCA API
Endpoint for getting Business Current Account data
Monument Bank Beneficiaries API
The Beneficiaries API from Monument Bank — 2 operation(s) for beneficiaries.
Monument Bank Branch API
Endpoint for getting Branch data
Monument Bank CCC API
Endpoint for getting Commercial Credit Card data
Monument Bank Direct Debits API
The Direct Debits API from Monument Bank — 2 operation(s) for direct debits.
Monument Bank Domestic Payment Consents API
The Domestic Payment Consents API from Monument Bank — 3 operation(s) for domestic payment consents.
Monument Bank Domestic Payments API
The Domestic Payments API from Monument Bank — 3 operation(s) for domestic payments.
Monument Bank Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Monument Bank — 2 operation(s) for domestic scheduled payment consents.
Monument Bank Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Monument Bank — 3 operation(s) for domestic scheduled payments.
Monument Bank Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Monument Bank — 2 operation(s) for domestic standing order consents.
Monument Bank Domestic Standing Orders API
The Domestic Standing Orders API from Monument Bank — 3 operation(s) for domestic standing orders.
Monument Bank File Payment Consents API
The File Payment Consents API from Monument Bank — 3 operation(s) for file payment consents.
Monument Bank File Payments API
The File Payments API from Monument Bank — 4 operation(s) for file payments.
Monument Bank Funds Confirmation Consents API
The Funds Confirmation Consents API from Monument Bank — 2 operation(s) for funds confirmation consents.
Monument Bank Funds Confirmations API
The Funds Confirmations API from Monument Bank — 1 operation(s) for funds confirmations.
Monument Bank International Payment Consents API
The International Payment Consents API from Monument Bank — 3 operation(s) for international payment consents.
Monument Bank International Payments API
The International Payments API from Monument Bank — 3 operation(s) for international payments.
Monument Bank International Scheduled Payments API
The International Scheduled Payments API from Monument Bank — 3 operation(s) for international scheduled payments.
Monument Bank International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Monument Bank — 3 operation(s) for international scheduled payments consents.
Monument Bank International Standing Orders API
The International Standing Orders API from Monument Bank — 3 operation(s) for international standing orders.
Monument Bank International Standing Orders Consents API
The International Standing Orders Consents API from Monument Bank — 2 operation(s) for international standing orders consents.
Monument Bank Offers API
The Offers API from Monument Bank — 2 operation(s) for offers.
Monument Bank Parties API
The Parties API from Monument Bank — 3 operation(s) for parties.
Monument Bank PCA API
Endpoint for getting Personal Current Account data
Monument Bank Products API
The Products API from Monument Bank — 2 operation(s) for products.
Monument Bank Scheduled Payments API
The Scheduled Payments API from Monument Bank — 2 operation(s) for scheduled payments.
Monument Bank SME API
Endpoint for getting Unsecured SME Loan data
Monument Bank Standing Orders API
The Standing Orders API from Monument Bank — 2 operation(s) for standing orders.
Monument Bank Statements API
The Statements API from Monument Bank — 5 operation(s) for statements.
Monument Bank Transactions API
The Transactions API from Monument Bank — 2 operation(s) for transactions.
Scroll within the panel for all 34 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Open Data API
OPEN COLLECTIONSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Monument Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 5
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/monument-bank · machine-readable index on apis.io
This is an independent, third-party profile of Monument Bank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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