Monzo Labs: Connected Credit Cards

TrueLayer have full FCA authorisation to provide these type of services

For those interested in which banks TrueLayer can currently connect to via OpenBanking, there’s a table here…

https://truelayer.zendesk.com/hc/en-us/articles/360025108713-Which-banks-are-you-integrated-with-

Well, there must have been something else going on. It works again now although the balance is out of date. Hmmm.

Edit: And now it’s correct. Happy days.

  • Open Banking and oAuth where open API’s are used and where the authentication lies on the bank’s side.

The “legacy” banks all appear to be in the Open Banking table with Monzo and Starling in the oAuth table

Are the two challenger banks opening up their data in a different way? If HSBC wanted to see Monzo data are they using oAuth rather than Open Banking?

I’ve never understood what the difference is between open banking and oauth and why Monzo and Starting are considered different from the others.

Hopefully someone knowledgeable in this can comment.

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So I’ve dived in and gotten myself a credit card. Setup on Monzo with this was incredibly easy (Barclaycard) which is ace. I know there’s been lots of requests for seeing transactions and paying off the bill from within monzo which would all be great, but I think for me the best improvement would be a setting to allow the negative balance to be taken off my main account ‘spent today’ figure.

I think this would make summary actually usable for credit card spenders and up the amount of people who use it hopefully.

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As long as you could choose which cards do that and which don’t.

The one I currently have connected is a 0% card for big purchases - so I definitely wouldn’t want that to be deducted in Summary.

Summary integration would be really really confusing unless it could be segregated into what was due for payment in which month. Just tracking the balance across or even daily transaction detail would be horrible!

Making the Credit Card committed spend accurate for each month is all I really want.

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Yeah I’m not bothered about it being categorised or the transactions going into summary at all, just the total amount as a predicted committed spend that changes as you spend on your credit card.

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I would find this very useful!

Is it possible for the TSB background colour to be changed. It’s near impossible to read the card number.

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So. Much. White.

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When’s the deadline in September for this again?

14th

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My lloyds credit card frequently mixes up the balance with my lloyds current account. Seems to alternate every other day… Not sure who is at fault…

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Any problems with Barclays at the moment?

Mine constantly says “we can’t connect to this card” and I cannot delete the card to try reconnecting it.

(I’m on the new nav)

My HSBC card has not updated in ten days, likely due to their changes for “secure” login. I wonder if something similar is occurring here for Barclaycard

On a different note, I do not seem to be able to disconnect my HSBC card under the new navigation. I click the icon, but nothing happens

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Yeah, that’s what I’m getting. I click on the bin and nothing happens

Fluid credit card (Newday) have just updated their app for open banking app-app support, hopefully this will be available in monzo soon!

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App to App is available in Monzo as of today, but only on our new Open Banking API which many third parties are not yet using. I posted screenshots in the Open Banking thread.

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So it’s case of waiting for them (fluid) to start using at some point?