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.

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.

How we profile Monzo

Each block below is one kind of artifact we hold for Monzo. 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 1

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.

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 expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

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

Monzo MCP (candidate)

MCP SERVER

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

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 — 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.

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

Every other property we hold for Monzo — 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.

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