But this seems like something that should just work but doesn’t
Both round ups AND obtaining transactions from the developer API just don’t work.
Is this something the Monzo team are aware of and just not prioritising or what?
I’ve been a plus member for coming up to two years now and virtual cards + pots are my favourite feature… yet they don’t work for a lot of core functionality that I would like to take advantage of
I’m probably going to cancel my plus subscription now as the main reason I got it in the first place was for the auto exporting of transactions to a google sheet and virtual cards.
I only really use pots & virtual cards which means the spreadsheet is pointless as it doesn’t work and the public api is pointless too as that doesn’t provide pot transactions.
Same issue here, I would like to either have my pot transactions export to Google Sheets or else be able to download them from the API. Seems very frustrating that this feature is not avaliable. Is there a way to raise a feature request with Monzo?
+1 — building a personal budgeting app that reconciles Monzo transactions against budgeted items.
I’m using the developer API to pull joint account transactions and match them against budget categories. Works great for direct debits that go through the Bills pot — those show up as normal transactions with the pot ID in metadata.
But any payment made via a virtual card linked to a pot (Gousto, Ocado, etc.) is completely invisible to the API. No transactions endpoint, no webhooks, nothing. The pot balance updates but we can’t see what caused it.
Even read-only access to pot transaction feeds would solve this. The data clearly exists — it’s visible in the Monzo app — it just isn’t exposed via the API.
This is the single biggest limitation preventing full automation of budget tracking with Monzo.