Monzo API

https://docs.monzo.com
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### JWT Header Example

Source: https://docs.monzo.com/open-banking

This snippet shows an example of a JWT header. The 'alg' field must be set to 'none' for a self-signed software statement, or 'PS256' otherwise. The 'typ' field must be 'jwt'.

```json
{
  "alg": "none",
  "typ": "JWT"
}
```

--------------------------------

### Monzo EU PSD2 DCR Header Example

Source: https://docs.monzo.com/open-banking

An example of the header for a Dynamic Client Registration (DCR) request using the EU PSD2 API. It specifies the signing algorithm and key ID.

```json
{
  "alg": "PS256",
  "kid": "8ilr3X9lD-oE19ggCRv_ITpSQQc",
  "typ": "JWT"
}
```

--------------------------------

### Monzo EU PSD2 DCR Body Example

Source: https://docs.monzo.com/open-banking

An example of the body for a Dynamic Client Registration (DCR) request using the EU PSD2 API. This JSON object contains all the necessary client registration details.

```json
{
  "application_type": "web",
  "aud": "PSDIE-CBI-000000",
  "exp": 1742552600,
  "grant_types": [
    "client_credentials",
    "authorization_code",
    "refresh_token"
  ],
  "iat": 1742549000,
  "id_token_signed_response_alg": "PS256",
  "iss": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "jti": "279B865B-554E-48E7-89A4-D2705BC607AF",
  "redirect_uris": [
    "https://verify-s101.eu.monzo.com/open-banking/callback"
  ],
  "request_object_signing_alg": "PS256",
  "response_types": [
    "code id_token"
  ],
  "scope": "openid accounts",
  "software_id": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "software_statement": "eyJhbGciOiJub25lIiwia2lkIjoiIiwidHlwIjoiSldUIn0.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",
  "tls_client_auth_subject_dn": "C=GB,O=Monzo Bank Limited,organizationIdentifier=PSDIE-CBI-000000,CN=monzo.com",
  "token_endpoint_auth_method": "tls_client_auth"
}
```

--------------------------------

### Example Software Statement Assertion (SSA) Body

Source: https://docs.monzo.com/open-banking

This is an example of the body for a Software Statement Assertion (SSA). It includes details about the software, the organization, and its authorization claims. The 'software_id' must be a valid v4 UUID, and 'org_id' is the PSD2 Authorization Number.

```json
{
  "iss": "Monzo Bank Ltd",
  "iat": 1742549000,
  "software_environment": "sandbox",
  "software_mode": "Test",
  "software_id": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "software_client_id": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "software_client_name": "Monzo",
  "software_client_description": "Manage your money in one place",
  "software_version": "1.0",
  "software_client_uri": "https://developers.monzo.com",
  "software_redirect_uris": [
    "https://verify-s101.eu.monzo.com/open-banking/callback"
  ],
  "software_roles": [
    "AISP"
  ],
  "organisation_competent_authority_claims": {
    "authority_id": "FCAGBR",
    "registration_id": "730427",
    "status": "Active",
    "authorisations": [
      {
        "member_state": "IE",
        "roles": [
          "PISP",
          "AISP",
          "ASPSP"
        ]
      }
    ]
  },
  "software_logo_uri": "https://public-images.monzo.com/logo/avatar_blue.png",
  "org_status": "Active",
  "org_id": "PSDIE-CBI-000000",
  "org_name": "Monzo Bank Limited",
  "org_contacts": [
    {
      "name": "Technical",
      "email": "openbanking@monzo.com",
      "phone": "07553123807",
      "type": "Technical"
    },
    {
      "name": "Business",
      "email": "openbanking@monzo.com",
      "phone": "07553123807",
      "type": "Business"
    }
  ],
  "org_jwks_endpoint": "https://api.s101.nonprod-ffs.io/open-banking/eu/jwks.json",
  "software_policy_uri": "https://monzo.com/legal/terms-and-conditions",
  "software_tos_uri": "https://monzo.com/legal/terms-and-conditions"
}
```

--------------------------------

### Example EU Account and Pot Response

Source: https://docs.monzo.com/open-banking

This JSON structure represents an example of a Current Account and a Pot returned by the EU Account Information Services API. In the EU, pots are presented as separate accounts. The 'AccountId' is a unique identifier for the account.

```json
{
  "Data": {
    "Account": [
      {
        "AccountId": "acc_0000AvDK9NmomdubVdW9jd",
        "Status": "Enabled",
        "StatusUpdateDateTime": "2025-06-17T07:09:35.3Z",
        "Currency": "EUR",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Description": "Personal Account",
        "Account": [
          {
            "SchemeName": "UK.OBIE.IBAN",
            "Identification": "IE05MONZ00000003102060",
            "Name": "Camila McSimpburg"
          }
        ],
        "OpeningDate": "2025-06-17",
        "SwitchStatus": "UK.CASS.NotSwitched"
      },
      {
        "AccountId": "acc_0000Avmn7n4tTdiAoOXbe5",
        "Status": "Enabled",
        "StatusUpdateDateTime": "2025-07-04T09:49:08.53Z",
        "Currency": "EUR",
        "AccountType": "Personal",
        "AccountSubType": "Savings",
        "Description": "Personal Pot",
        "Account": [
          {
            "SchemeName": "",
            "Identification": "",
            "Name": "Holiday"
          }
        ],
        "OpeningDate": "2025-07-04"
      }
    ]
  },
  "Links": {
    "Self": "https://openbanking.s101.nonprod-ffs.io/open-banking/v3.1/aisp/accounts"
  },
  "Meta": {}
}
```

--------------------------------

### Retrieve Transactions JSON Example

Source: https://docs.monzo.com/open-banking

This JSON example demonstrates the structure of a transaction response from the Monzo API. It includes details such as account ID, transaction ID, amount, and status.  The response adheres to the Open Banking specification.

```JSON
{
  "Data": {
    "Transaction": [
      {
        "AccountId": "acc_0000AAca1egQMHUQX14Mt7",
        "TransactionId": "tx_0000AGpfr2kVwbONyQ4XFR",
        "CreditDebitIndicator": "Credit",
        "Status": "Booked",
        "BookingDateTime": "2022-02-25T10:35:39.636Z",
        "TransactionInformation": "Mr. Payroll Services",
        "Amount": {
          "Amount": "150.0000",
          "Currency": "GBP"
        },
        "ProprietaryBankTransactionCode": {
          "Code": "bacs",
          "Issuer": "Monzo"
        },
        "DebtorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "12345612345678",
          "Name": "Mr Payroll Service"
        },
        "SupplementaryData": {
          "Declined": false,
          "RawTransactionDescription": "MR PAYROLL SERVICE"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://openbanking.s101.nonprod-ffs.io/open-banking/v3.1/aisp/accounts/acc_0000AAca1egQMHUQX14Mt7/transactions?fromBookingDateTime=2022-02-03T00%3A00%3A00"
  },
  "Meta": {}
}
```

--------------------------------

### GET /balance

Source: https://docs.monzo.com/index

Retrieves balance information for a specific account. This includes the available balance, total balance, currency, and spending for the current day.

```APIDOC
## Read balance

### Description
Retrieves balance information for a specific account. This includes the available balance, total balance, currency, and spending for the current day.

### Method
GET

### Endpoint
https://api.monzo.com/balance

### Parameters
#### Query Parameters
- **account_id** (string) - Required - The ID of the account for which to retrieve the balance.

#### Headers
- **Authorization** (string) - Required - Bearer token for authentication (e.g., `Bearer $access_token`).

### Request Example
```bash
$ http "https://api.monzo.com/balance" \
    "Authorization: Bearer $access_token" \
    "account_id==$account_id"
```

### Response
#### Success Response (200)
- **balance** (integer) - The currently available balance of the account, as a 64bit integer in minor units of the currency (e.g., pennies for GBP).
- **total_balance** (integer) - The sum of the currently available balance and the combined total of all user's pots, as a 64bit integer in minor units.
- **currency** (string) - The ISO 4217 currency code (e.g., "GBP").
- **spend_today** (integer) - The amount spent from this account today (considered from approx 4am onwards), as a 64bit integer in minor units of the currency.

#### Response Example
```json
{
    "balance": 5000,
    "total_balance": 6000,
    "currency": "GBP",
    "spend_today": 0
}
```
```

--------------------------------

### Authenticate API Request (httpie)

Source: https://docs.monzo.com/index

This httpie command shows how to make an authenticated request to the Monzo API. It includes the access token in the Authorization header using the Bearer scheme. The example calls the /ping/whoami endpoint to verify authentication.

```httpie
$ http "https://api.monzo.com/ping/whoami" \
    "Authorization: Bearer $access_token"
```

--------------------------------

### Sandbox Environment - Account Consent Testing

Source: https://docs.monzo.com/open-banking

Utilize the Sandbox environment for testing integrations. Specific fields in the `Data/SupplementaryData` object can be set to automatically approve or decline account information consents.

```APIDOC
## Testing in the Sandbox

Our Sandbox environment is a handy playground where you can test your integration before putting it live. **We run exactly the same code in our sandbox environment as we do production** to make switching between them as easy as possible.
In the **sandbox** environment, you can automatically have account information consents approved or declined to help with testing. To do this, you should set some specific fields in the `Data/SupplementaryData` object:

### Request Body Example for SupplementaryData

```json
{
  "DesiredStatus": "Authorised",
  "UserID": "user_000xxx"
}
```

The `Data/SupplementaryData` object in an Account Consent request is not part of the Open Banking specification, but we accept it specifically in the Sandbox environment to mirror how we allow consent automatic approval in the Payment Initiation API.

### Sandbox Users

#### Heavy User
UserID: `user_0000A4C4ZChWNMEvew2U77` AccountID: `acc_0000A4C4ZSskDOixqNPfpR`
#### Medium User
UserID: `user_0000A4C4nqORb7K9YYW3r0` AccountID: `acc_0000A4C4o66FCYJoERQhHN`
#### Light User
UserID: `user_0000A4C4wkPFE7x9at8Ujp` AccountID: `acc_0000A4C4wz4Ail0f3sONTV`
#### EU (Ireland) User
UserID: `user_0000Av3bpksv3AAmdybBCr` AccountID: `acc_0000Av3bry7sn2XsI3eZ3C`
```

--------------------------------

### Dynamic Client Registration

Source: https://docs.monzo.com/open-banking

Register your application using the `POST /register` endpoint, compliant with version 3.2 of the Open Banking Dynamic Client Registration specification.

```APIDOC
## Dynamic Client Registration

We have implemented the `POST /register` endpoint in version 3.2 of the Open Banking Dynamic Client Registration specification. You can find the full specification here. [Link to full specification]

You can find the appropriate URL and supported configuration in our well-known endpoints for each environment.
```

--------------------------------

### GET /accounts

Source: https://docs.monzo.com/index

Retrieves a list of accounts owned by the currently authorized user. Accounts represent a store of funds and have associated transactions.

```APIDOC
## List accounts

### Description
Returns a list of accounts owned by the currently authorized user. Accounts represent a store of funds and have a list of transactions. You can filter accounts by type.

### Method
GET

### Endpoint
https://api.monzo.com/accounts

### Parameters
#### Query Parameters
- **account_type** (string) - Optional - Filters accounts by type. Valid values are `uk_retail` and `uk_retail_joint`.

#### Headers
- **Authorization** (string) - Required - Bearer token for authentication (e.g., `Bearer $access_token`).

### Request Example
```bash
# List all accounts
$ http "https://api.monzo.com/accounts" \
    "Authorization: Bearer $access_token"

# List only UK retail accounts
$ http "https://api.monzo.com/accounts" \
    "Authorization: Bearer $access_token" \
    account_type==uk_retail
```

### Response
#### Success Response (200)
- **accounts** (array) - A list of account objects.
  - **id** (string) - The unique identifier for the account.
  - **description** (string) - A description of the account.
  - **created** (string) - The ISO 8601 timestamp when the account was created.

#### Response Example
```json
{
    "accounts": [
        {
            "id": "acc_00009237aqC8c5umZmrRdh",
            "description": "Peter Pan's Account",
            "created": "2015-11-13T12:17:42Z"
        }
    ]
}
```
```

--------------------------------

### Dynamic Client Registration

Source: https://docs.monzo.com/open-banking

Implements the `POST /register` endpoint according to version 3.2 of the Open Banking Dynamic Client Registration specification.

```APIDOC
## POST /register

### Description
Registers a new client application with Monzo's Open Banking platform. This endpoint follows the Open Banking Dynamic Client Registration specification (version 3.2).

### Method
POST

### Endpoint
`/register`

### Parameters
#### Request Body
- **client_name** (string) - Required - The name of the client application.
- **client_uri** (string) - Optional - The URI of the client application.
- **logo_uri** (string) - Optional - The URI of the client application's logo.
- **redirect_uris** (array of strings) - Required - A list of valid redirect URIs for the client application.
- **grant_types** (array of strings) - Required - The grant types supported by the client application (e.g., `authorization_code`).
- **response_types** (array of strings) - Required - The response types supported by the client application (e.g., `code`).
- **scope** (string) - Required - The scope of access requested by the client application.
- **token_endpoint_auth_method** (string) - Optional - The authentication method for the token endpoint (e.g., `tls_client_auth`).

### Request Example
```json
{
  "client_name": "My Awesome App",
  "redirect_uris": ["https://myapp.com/callback"],
  "grant_types": ["authorization_code"],
  "response_types": ["code"],
  "scope": "openid accounts",
  "token_endpoint_auth_method": "tls_client_auth"
}
```

### Response
#### Success Response (201 Created)
- **client_id** (string) - The unique identifier for the registered client.
- **client_secret** (string) - The client secret (if applicable and supported by the authentication method).
- **registration_access_token** (string) - An access token for managing the client registration.
- **registration_client_uri** (string) - The URI for managing the client registration.
- **expires_at** (string) - The expiration time of the registration access token.

#### Response Example
```json
{
  "client_id": "client_12345abcde",
  "client_secret": "secret_abcdef12345",
  "registration_access_token": "reg_access_token_xyz789",
  "registration_client_uri": "https://openbanking.monzo.com/register/client_12345abcde",
  "expires_at": "2024-12-31T23:59:59Z"
}
```
```

--------------------------------

### Dynamic Client Registration

Source: https://docs.monzo.com/open-banking

Endpoint for dynamic client registration, implementing version 3.2 of the Open Banking specification.

```APIDOC
## POST /register

### Description
Registers a new client application with the Monzo EU PSD2 API. This endpoint follows version 3.2 of the Open Banking Dynamic Client Registration specification. TPPs not registered with the Open Banking directory must use a self-signed (or not signed) SSA, setting the `alg` claim to `none`.

### Method
POST

### Endpoint
`/register`

### Parameters
#### Path Parameters
None

#### Query Parameters
None

#### Request Body
- **application_type** (string) - Required - The type of application (e.g., "web").
- **aud** (string) - Required - The audience for the token.
- **exp** (integer) - Required - Expiration time of the JWT.
- **grant_types** (array) - Required - Allowed grant types (e.g., ["client_credentials", "authorization_code", "refresh_token"]).
- **iat** (integer) - Required - Issued at time of the JWT.
- **id_token_signed_response_alg** (string) - Required - Algorithm for signing ID tokens (e.g., "PS256").
- **iss** (string) - Required - The issuer of the JWT.
- **jti** (string) - Required - JWT ID.
- **redirect_uris** (array) - Required - List of valid redirect URIs.
- **request_object_signing_alg** (string) - Required - Algorithm for signing request objects (e.g., "PS256").
- **response_types** (array) - Required - Supported response types (e.g., ["code id_token"]).
- **scope** (string) - Required - Requested scopes (e.g., "openid accounts").
- **software_id** (string) - Required - Unique identifier for the software.
- **software_statement** (string) - Required - The software statement (JWT).
- **tls_client_auth_subject_dn** (string) - Required - Subject DN for TLS client authentication.
- **token_endpoint_auth_method** (string) - Required - Method for authenticating the token endpoint (e.g., "tls_client_auth").

### Request Example
```json
{
  "application_type": "web",
  "aud": "PSDIE-CBI-000000",
  "exp": 1742552600,
  "grant_types": [
    "client_credentials",
    "authorization_code",
    "refresh_token"
  ],
  "iat": 1742549000,
  "id_token_signed_response_alg": "PS256",
  "iss": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "jti": "279B865B-554E-48E7-89A4-D2705BC607AF",
  "redirect_uris": [
    "https://verify-s101.eu.monzo.com/open-banking/callback"
  ],
  "request_object_signing_alg": "PS256",
  "response_types": [
    "code id_token"
  ],
  "scope": "openid accounts",
  "software_id": "278BE778-DCAE-4F7C-9713-89C338F7331C",
  "software_statement": "eyJhbGciOiJub25lIiwia2lkIjoiIiwidHlwIjoiSldUIn0.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",
  "tls_client_auth_subject_dn": "C=GB,O=Monzo Bank Limited,organizationIdentifier=PSDIE-CBI-000000,CN=monzo.com",
  "token_endpoint_auth_method": "tls_client_auth"
}
```

### Response
#### Success Response (200)
- **client_id** (string) - The unique identifier for the registered client.
- **client_secret** (string) - The secret for the registered client (if applicable).
- **registration_access_token** (string) - An access token for managing the client registration.
- **registration_client_uri** (string) - The URI for managing the client registration.
- **expires_at** (integer) - The expiration time of the registration access token.

#### Response Example
```json
{
  "client_id": "a1b2c3d4-e5f6-7890-1234-567890abcdef",
  "client_secret": "a_very_secret_client_secret",
  "registration_access_token": "eyJhbGciOiJSUzI1NiIsImtpZCI6IjEyMzQ1Njc4OSJ9.eyJzdWIiOiJhMWIyYzNkNC1lNWY2LTc4OTAtMTIzNC01Njc4OTBhYmNkZiJ9.signature",
  "registration_client_uri": "https://api.monzo.com/open-banking/register/a1b2c3d4-e5f6-7890-1234-567890abcdef",
  "expires_at": 1742556200
}
```
```

--------------------------------

### GET /accounts/{accountId}/transactions

Source: https://docs.monzo.com/open-banking

Retrieves a list of transactions for a given account. Transactions are returned in RFC3339 format and can be ordered by date.

```APIDOC
## GET /accounts/{accountId}/transactions

### Description
Retrieves a list of transactions for a given account within a specified date range. The response is organized by transaction creation time and supports ordering by date.

### Method
GET

### Endpoint
`/accounts/{accountId}/transactions`

### Parameters
#### Path Parameters
- **accountId** (string) - Required - The unique identifier for the account.

#### Query Parameters
- **TransactionFromDateTime** (string) - Required - The start of the date range for transactions (RFC3339 format).
- **TransactionToDateTime** (string) - Required - The end of the date range for transactions (RFC3339 format).
- **order** (string) - Optional - Specifies the order of transactions. `asc` for oldest to newest (default), `desc` for newest to oldest.

### Request Example
```
GET /accounts/acc_0000AAca1egQMHUQX14Mt7/transactions?TransactionFromDateTime=2022-02-03T00:00:00&TransactionToDateTime=2022-02-25T23:59:59&order=asc
```

### Response
#### Success Response (200)
- **Data** (object) - Contains the transaction data.
  - **Transaction** (array) - A list of transaction objects.
    - **AccountId** (string) - The ID of the account the transaction belongs to.
    - **TransactionId** (string) - The unique identifier for the transaction.
    - **CreditDebitIndicator** (string) - Indicates if the transaction is a 'Credit' or 'Debit'.
    - **Status** (string) - The status of the transaction (e.g., 'Booked', 'Pending', 'Rejected').
    - **BookingDateTime** (string) - The date and time the transaction was booked (RFC3339 format).
    - **TransactionInformation** (string) - A description of the transaction.
    - **Amount** (object) - Details of the transaction amount.
      - **Amount** (string) - The monetary value of the transaction.
      - **Currency** (string) - The currency of the transaction (e.g., 'GBP').
    - **ProprietaryBankTransactionCode** (object) - Bank-specific transaction code.
      - **Code** (string) - The transaction code (e.g., 'bacs', 'faster_payments').
      - **Issuer** (string) - The issuer of the code (always 'Monzo').
    - **DebtorAccount** (object) - Details of the account holder (if applicable).
    - **SupplementaryData** (object) - Additional data related to the transaction.
- **Links** (object) - Links related to the transaction data.
- **Meta** (object) - Metadata about the response.

#### Response Example
```json
{
  "Data": {
    "Transaction": [
      {
        "AccountId": "acc_0000AAca1egQMHUQX14Mt7",
        "TransactionId": "tx_0000AGpfr2kVwbONyQ4XFR",
        "CreditDebitIndicator": "Credit",
        "Status": "Booked",
        "BookingDateTime": "2022-02-25T10:35:39.636Z",
        "TransactionInformation": "Mr. Payroll Services",
        "Amount": {
          "Amount": "150.0000",
          "Currency": "GBP"
        },
        "ProprietaryBankTransactionCode": {
          "Code": "bacs",
          "Issuer": "Monzo"
        },
        "DebtorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "12345612345678",
          "Name": "Mr Payroll Service"
        },
        "SupplementaryData": {
          "Declined": false,
          "RawTransactionDescription": "MR PAYROLL SERVICE"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://openbanking.s101.nonprod-ffs.io/open-banking/v3.1/aisp/accounts/acc_0000AAca1egQMHUQX14Mt7/transactions?fromBookingDateTime=2022-02-03T00%3A00%3A00"
  },
  "Meta": {}
}
```
```

--------------------------------

### Base URLs

Source: https://docs.monzo.com/open-banking

Access Monzo's API services through these Base URLs for both Sandbox and Production environments.

```APIDOC
## Base URLs

We've included the Base URLs for our Sandbox and Production environments below.

| Environment  | Base URL                                                |
|--------------|---------------------------------------------------------|
| Sandbox      | `https://openbanking.s101.nonprod-ffs.io/open-banking/v3.1/pisp` |
| Production   | `https://openbanking.monzo.com/open-banking/v3.1/pisp`      |
```

--------------------------------

### GET /pots

Source: https://docs.monzo.com/index

Retrieves a list of pots associated with a specific account. Pots are separate places to keep money, distinct from the main spending account.

```APIDOC
## List pots

### Description
Returns a list of pots owned by the currently authorized user that are associated with the specified account. Pots are places to keep money separate from the main spending account.

### Method
GET

### Endpoint
https://api.monzo.com/pots

### Parameters
#### Query Parameters
- **current_account_id** (string) - Required - The ID of the account to which the pots are associated.

#### Headers
- **Authorization** (string) - Required - Bearer token for authentication (e.g., `Bearer $access_token`).

### Request Example
```bash
$ http "https://api.monzo.com/pots" \
    "current_account_id==$account_id" \
    "Authorization: Bearer $access_token"
```

### Response
#### Success Response (200)
- **pots** (array) - A list of pot objects.
  - **id** (string) - The unique identifier for the pot.
  - **name** (string) - The name of the pot.
  - **style** (string) - A style identifier for the pot's appearance.
  - **balance** (integer) - The current balance of the pot in minor units of the currency.
  - **currency** (string) - The ISO 4217 currency code.
  - **created** (string) - The ISO 8601 timestamp when the pot was created.
  - **updated** (string) - The ISO 8601 timestamp when the pot was last updated.
  - **deleted** (boolean) - Indicates if the pot has been deleted.

#### Response Example
```json
{
  "pots": [
    {
      "id": "pot_0000778xxfgh4iu8z83nWb",
      "name": "Savings",
      "style": "beach_ball",
      "balance": 133700,
      "currency": "GBP",
      "created": "2017-11-09T12:30:53.695Z",
      "updated": "2017-11-09T12:30:53.695Z",
      "deleted": false
    }
  ]
}
```
```

--------------------------------

### Create Basic Feed Item - HTTP Request

Source: https://docs.monzo.com/index

This snippet demonstrates how to create a basic feed item for a Monzo user's account. It requires an access token, account ID, and specific parameters for the feed item such as title, image URL, and colors. The feed item can optionally link to a URL.

```shell
$ http --form POST "https://api.monzo.com/feed" \
    "Authorization: Bearer $access_token" \
    "account_id=$account_id" \
    "type=basic" \
    "url=https://www.example.com/a_page_to_open_on_tap.html" \
    "params[title]=My custom item" \
    "params[image_url]=www.example.com/image.png" \
    "params[background_color]=#FCF1EE" \
    "params[body_color]=#FCF1EE" \
    "params[title_color]=#333333" \
    "params[body]=Some body text to display"

```

--------------------------------

### Retrieve Monzo Transaction Receipt

Source: https://docs.monzo.com/index

Retrieves a previously created receipt using its external ID. This is a GET request to the /transaction-receipts endpoint, filtered by the 'external_id' query parameter. Only your own receipts can be retrieved.

```shell
$ http GET "https://api.monzo.com/transaction-receipts" \
    "Authorization: Bearer $access_token" \
    "external_id==test-receipt-1"

```

```json
{
  "receipt": {
    "id": "receipt_00009eNJqNeJvKeoQA",
    "external_id": "test-receipt-1",
    ...
  }
}

```

--------------------------------

### Base URLs

Source: https://docs.monzo.com/open-banking

Specifies the base URLs for sandbox and production environments for AIS and CBPII services.

```APIDOC
## Base URLs

### Description
Base URLs for accessing the Account Information Services (AIS) and Confirmation of Funds API (CBPII) in both sandbox and production environments.

### Method
GET

### Endpoint
N/A (These are base URLs, not specific endpoints)

### Parameters
None

### Request Example
None

### Response
#### Success Response (200)
- **service** (string) - The type of service (AIS or CBPII).
- **environment** (string) - The environment (Sandbox or Production).
- **baseUrl** (string) - The base URL for the specified service and environment.

#### Response Example
```json
[
  {
    "service": "AIS",
    "environment": "Sandbox",
    "baseUrl": "https://openbanking-s101.eu.monzo.com/open-banking/v3.1/aisp"
  },
  {
    "service": "CBPII",
    "environment": "Sandbox",
    "baseUrl": "https://openbanking-s101.eu.monzo.com/open-banking/v3.1/cbpii"
  },
  {
    "service": "AIS",
    "environment": "Production",
    "baseUrl": "https://openbanking.eu.monzo.com/open-banking/v3.1/aisp"
  },
  {
    "service": "CBPII",
    "environment": "Production",
    "baseUrl": "https://openbanking.eu.monzo.com/open-banking/v3.1/cbpii"
  }
]
```
```
Tokens:
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