Moneyed - a personal OpenBanking API

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.

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.

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

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.