aid: monument-bank url: https://raw.githubusercontent.com/api-evangelist/monument-bank/refs/heads/main/apis.yml name: Monument Bank kind: company description: >- 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. accessModel: pricing: unknown onboarding: unknown trial: false try_now: false public: false label: No public developer program identified confidence: low source: - website generated: '2026-07-23' method: manual image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - United Kingdom - Savings - Challenger Bank - Account Information - Payments created: '2026-07-23' modified: '2026-07-23T10:00:00Z' specificationVersion: '0.19' apis: - aid: monument-bank:monument-open-data-api name: Monument Bank Open Data API description: >- UK Open Banking Open Data API - the PUBLIC, unauthenticated reference-data surface defined by the OBIE Open Data Standard (product, ATM, branch, PCA, BCA, SME loan, and commercial credit card reference data). Represented here against the shared OBIE Open Data Standard; Monument does not publish a confirmed public Open Data endpoint (its API host api.monument.co responds 403 / access-controlled), so this entry is UNVERIFIED for Monument and the harvested spec is the shared standard, not a Monument contract. humanURL: https://github.com/OpenBankingUK/opendata-api-spec-compiled baseURL: https://api.monument.co/open-data/v2.3 tags: - Open Data - Reference Data - Public properties: - type: OpenAPI url: openapi/obie-opendata-swagger.json - type: Documentation url: https://github.com/OpenBankingUK/opendata-api-spec-compiled - type: APIReference url: https://openbankinguk.github.io/opendata-api-docs-pub/ - aid: monument-bank:monument-account-info-api name: Monument Bank Account and Transaction Information API description: >- UK Open Banking Read/Write Account & Transaction Information (AIS) API per the OBIE Read/Write API Standard - accounts, balances, transactions, beneficiaries, standing orders, direct debits, statements, and parties for authorised AISP third parties. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). Represented against the shared OBIE standard; Monument publishes no public developer portal and the harvested spec is the OBIE standard, not a Monument contract - UNVERIFIED for Monument. humanURL: https://github.com/OpenBankingUK/read-write-api-specs baseURL: https://api.monument.co/open-banking/v3.1/aisp tags: - Account Information - AIS - Read/Write properties: - type: OpenAPI url: openapi/obie-account-info-openapi.yaml - type: Documentation url: https://github.com/OpenBankingUK/read-write-api-specs - type: APIReference url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/ - aid: monument-bank:monument-payment-initiation-api name: Monument Bank Payment Initiation API description: >- UK Open Banking Read/Write Payment Initiation (PIS) API per the OBIE Read/Write API Standard - domestic, scheduled, standing-order, international, and file payment initiation for authorised PISP third parties. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). Represented against the shared OBIE standard; the harvested spec is the OBIE standard, not a Monument contract - UNVERIFIED for Monument. humanURL: https://github.com/OpenBankingUK/read-write-api-specs baseURL: https://api.monument.co/open-banking/v3.1/pisp tags: - Payment Initiation - PIS - Read/Write properties: - type: OpenAPI url: openapi/obie-payment-initiation-openapi.yaml - type: Documentation url: https://github.com/OpenBankingUK/read-write-api-specs - type: APIReference url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/ - aid: monument-bank:monument-confirmation-of-funds-api name: Monument Bank Confirmation of Funds API description: >- UK Open Banking Read/Write Confirmation of Funds (CBPII) API per the OBIE Read/Write API Standard - confirms availability of funds on an account for authorised card-based payment instrument issuers. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). Represented against the shared OBIE standard; the harvested spec is the OBIE standard, not a Monument contract - UNVERIFIED for Monument. humanURL: https://github.com/OpenBankingUK/read-write-api-specs baseURL: https://api.monument.co/open-banking/v3.1/cbpii tags: - Confirmation of Funds - CBPII - Read/Write properties: - type: OpenAPI url: openapi/obie-confirmation-funds-openapi.yaml - type: Documentation url: https://github.com/OpenBankingUK/read-write-api-specs - type: APIReference url: https://openbankinguk.github.io/read-write-api-docs-pub/v3.1.11/ common: - type: AgenticAccess url: agentic-access/monument-bank-agentic-access.yml - type: ErrorCatalog url: errors/monument-bank-problem-types.yml - type: Conformance url: conformance/monument-bank-conformance.yml - type: Lifecycle url: lifecycle/monument-bank-lifecycle.yml - type: Conventions url: conventions/monument-bank-conventions.yml - type: Idempotency url: conventions/monument-bank-conventions.yml - type: DataModel url: data-model/monument-bank-data-model.yml - type: LLMsTxt url: llms/monument-bank-llms.txt - type: DomainSecurity url: security/monument-bank-domain-security.yml - type: OAuthScopes url: scopes/monument-bank-scopes.yml - type: Authentication url: authentication/monument-bank-authentication.yml - type: Website url: https://www.monument.co/ - type: About url: https://www.monument.co/about - type: Blog url: https://www.monument.co/blog - type: News url: https://www.monument.co/news - type: LinkedIn url: https://www.linkedin.com/company/monument-bank/ - type: Support url: https://www.monument.co/contact-us - type: FAQ url: https://www.monument.co/faq - type: TermsOfService url: https://www.monument.co/terms-and-conditions - type: PrivacyPolicy url: https://www.monument.co/privacy - type: Compliance url: https://register.fca.org.uk/s/firm?id=0010X00004ksS6tQAE maintainers: - FN: Kin Lane email: kin@apievangelist.com