Moneyed – a personal OpenBanking API

by @edent | # # # # # | 1 comment | Read ~159 times.

After writing about how to use MoneyDashboard’s unofficial API, the good folk at Moneyed told me about their officially supported API! So here’s a quick review & howto guide.

Moneyed is a slightly strange service. I think it is designed for companies to give as a benefit to their employees. But you can sign up as an individual. The first month is free – but I don’t see a way to tell how much subsequent months are. Although it is presented as an app for Android and iPhone, you can log in on the website.

It is a read-only account aggregator. This allows you to see all your credit cards, current accounts, and savings accounts in one place.

There are a good range of OpenBanking API accounts which you can add.

List of OpenBanking providers.

There’s also investment accounts, credit cards, and pensions.

You can download your data as CSV – but that’s not the exciting part!

In the settings screen, you can generate an API key. That gives you JSON access to your accounts and transactions.

Settings Screen.

Once done, there’s a quick guide to downloading your data.

API Token generation screen.

You need your API key sent as a header, and your account’s unique ID.

curl --header "Authorization: Api-Key 123456" https://app.moneyed.co.uk/v1/capi/assets/abc123

Here’s a sample JSON output from my credit card, it shows me buying groceries and getting a refund from eBay. At the bottom is the total balance on the card.

{
  "id": "ABC123",
  "name": "American Express",
  "transactions": [
    {
      "category": "GROCERIES",
      "label": "Morrisons Bradford",
      "pending": false,
      "timestamp": "2020-10-16T00:00:00",
      "value": {
        "amount": "-99.99",
        "currency": "GBP"
      }
    },
    {
      "category": "INCOME",
      "label": "Ebay O Luxembourg",
      "pending": false,
      "timestamp": "2020-10-19T00:00:00",
      "value": {
        "amount": "12.34",
        "currency": "GBP"
      }
    }
  ]
  "type": "CREDIT_CARD",
  "valuations": [
    {
      "date": "2020-10-24",
      "value": {
        "amount": "-123.45",
        "currency": "GBP"
      }
    }
  ]
}

That’s not as detailed as the MoneyDashboard API – but it covers everything I need. It would be nice to have more accurate timestamps. At the moment, it only seems to give the last month of spending. But it’s a beta project and should improve as time goes on.

You can sign up to Moneyed for one month free – no credit card details required.

One thought on “Moneyed – a personal OpenBanking API

  1. Looks to be £5 per month moneyed.co.uk/app/

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