Terence Eden’s Blog<p><strong>Moneyed - a personal OpenBanking API</strong></p><p><a href="https://shkspr.mobi/blog/2020/10/moneyed-a-personal-openbanking-api/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2020/10/money</span><span class="invisible">ed-a-personal-openbanking-api/</span></a></p><p></p><p>Update! <a href="https://find-and-update.company-information.service.gov.uk/company/12341342" rel="nofollow noopener" target="_blank">Moneyed shut down in 2021</a>.</p><p>After writing about how to use <a href="https://shkspr.mobi/blog/2020/10/unofficial-moneydashboard-api/" rel="nofollow noopener" target="_blank">MoneyDashboard's unofficial API</a>, the good folk at <a href="https://web.archive.org/web/20201028203520/https://moneyed.co.uk/" rel="nofollow noopener" target="_blank">Moneyed</a> told me about their <em>officially</em> supported API! So here's a quick review & howto guide.</p><p>Moneyed is a slightly strange service. I <em>think</em> 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 <a href="https://web.archive.org/web/20200929161223/https://moneyed.co.uk/app/" rel="nofollow noopener" target="_blank">log in on the website</a>.</p><p>It is a read-only account aggregator. This allows you to see all your credit cards, current accounts, and savings accounts in one place.</p><p>There are a good range of OpenBanking API accounts which you can add.</p><p></p><p>There's also investment accounts, credit cards, and pensions.</p><p>You can <a href="https://moneyed.co.uk/blog/download_your_data" rel="nofollow noopener" target="_blank">download your data as CSV</a> - but that's not the exciting part!</p><p>In the settings screen, you can generate an API key. That gives you JSON access to your accounts and transactions.</p><p></p><p>Once done, there's a quick guide to downloading your data.</p><p></p><p>You need your API key sent as a header, and your account's unique ID.</p><p><code>curl --header "Authorization: Api-Key 123456" https://app.moneyed.co.uk/v1/capi/assets/abc123</code></p><p>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.</p><pre><code>{ "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" } } ]}</code></pre><p>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.</p><p>You can <a href="https://web.archive.org/web/20201028203520/https://moneyed.co.uk/" rel="nofollow noopener" target="_blank">sign up to Moneyed for one month free</a> - no credit card details required.</p><p></p><p><a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/api/" target="_blank">#api</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/banking/" target="_blank">#banking</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/data/" target="_blank">#data</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/money/" target="_blank">#money</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/openbanking/" target="_blank">#openbanking</a></p>