/accounts has one account, of type “uk_monzo_flex”, and several accounts of type “uk_monzo_flex_backing_loan”
If I use /balance?account_id=<id here> with the account ID for my main “uk_retail” account, it works as expected.
However, using the account ID for my “uk_monzo_flex”, it shows a balance of 0. I kinda get that, as it’s not a true account or pot, so the concept of a balance doesn’t necessarily apply. But it would be useful to be able to query the total debt from Flex through the API.
As for all the “uk_monzo_flex_backing_loan” accounts…
The API shows that I do not have sufficient permissions. So even working around this issue by querying all of these backing loans is not possible at present:
{
"code": "forbidden.insufficient_permissions",
"message": "Access forbidden due to insufficient permissions",
"params": {
"client_id": "REDACTED",
"user_id": "REDACTED"
},
"retryable": {}
}
Is this a known issue, and are there any workarounds?
Is this because they merge the flex balance into our current account balances? I find it quite confusing.
E.g. if I have £200 in my current account and £50 debt on flex: monzo shows my current account balance as £150. This also feeds £150 into Yolt and Money Dashboard instead of £200.
I wonder if one has to iterate each backing loan and add all of them up. And I wonder if there is difference between debit card flexed transactions and the ones spent on the flex card directly.
