Mono API

Finance / API Key Intermediate HTTPS
Varies by plan (check documentation)

Overview

Mono is an African open banking API that lets you connect to users bank accounts to access transaction history, balances, and identity data. It supports major banks across Nigeria, Ghana, Kenya, and other African countries. Developers use it to build fintech apps, lending platforms, and personal finance tools for African markets.

💡

Beginner Tip

Mono requires user authorization through their Connect Widget before you can access any account data; integrate the widget on your frontend first, then use the resulting code to exchange for an account ID.

Available Data

Mono data via REST API
JSON-formatted response data
Requires API key authentication

Example Response

JSON Response
{
  "status": "success",
  "data": {
    "result": "Data from Mono",
    "description": "Connect with users’ bank accounts and access transaction data in Africa",
    "timestamp": "2025-01-15T10:00:00Z"
  }
}

Field Reference

status Indicates whether the API request succeeded, typically successful.
data Contains the main response payload such as transaction list or account details.
paging Pagination metadata including total count and page number for navigating large datasets.
amount Transaction amount in the smallest currency unit (e.g., kobo for NGN).
date ISO 8601 timestamp of when the transaction occurred.

Implementation Example

const url = "https://mono.co/";
// Replace headers or query params with the values required by this API.
const response = await fetch(url, {
  headers: {
  "X-API-Key": "YOUR_API_KEY"
  }
});
if (!response.ok) throw new Error(`Request failed: ${response.status}`);
const data = await response.json();
console.log(data);

What Can You Build?

Note: These code examples are AI-generated and unverified. Always refer to the official API documentation for accurate usage.

Common Errors & Troubleshooting

401 Unauthorized Secret key is missing or incorrect in the request header
Add your Mono secret key as the value of the mono-sec-key header in every API request.
404 Account Not Found The account ID provided does not exist or belongs to a different app
Verify the account ID was obtained from your own Mono Connect Widget session and has not expired.
403 Forbidden Attempting to access data not permitted under the user consent scope
Ensure your Connect Widget is configured to request the specific data scopes before authorization.

Matrix Score Breakdown

🌐 Reachability 30/30
⚡ Speed 5/20
🔒 Security 15/15
🛠 Developer XP 12/20
✓ Reliability 10/15

Partially tested on Apr 5, 2026

Technical Specifications

Auth API Key
HTTPS REQUIRED
CORS UNKNOWN
Category Finance
Difficulty Intermediate
Verified: 2026-04-04

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