# Monetary Account

The **MonetaryAccount** is the second most important object you’ll work with—it’s where the money lives. Think of it as a **bank account**, **sub-account**, or even a **pot**, depending on how you use it. Unlike wallets (which are tied directly to cards), a monetary account is always connected to a **legal owner**—a bunq user.

Most financial operations in the bunq API—like making payments or requesting money—require a `monetary-account-id`. You can retrieve it by listing all accounts under a user:\
`GET /user/{userId}/monetary-account`

#### **🏦 Types of Monetary Accounts**

Just like user types, monetary accounts come in a few flavors—each with its own endpoint to make things easier to manage:

* **MonetaryAccountBank** – classic personal or business bank accounts\
  `GET /user/{userId}/monetary-account-bank`
* **MonetaryAccountSavings** – regular or auto-savings accounts (including VAT accounts)\
  `GET /user/{userId}/monetary-account-savings`
* **MonetaryAccountJoint** – shared accounts with other bunq users (they’re also legal co-owners)\
  `GET /user/{userId}/monetary-account-joint`

Each type works slightly differently, but they all follow the same structure and principles. Once you know how to use one, the others are easy to pick up.

## Example

```json
{
    "Response": [
        {
            "MonetaryAccountBank": {
                "id": 2428053,
                "created": "2025-07-21 09:14:18.661006",
                "updated": "2025-07-21 09:14:18.661006",
                "alias": [
                    {
                        "type": "PHONE_NUMBER",
                        "value": "+31619257130",
                        "name": "+31619257130"
                    },
                    {
                        "type": "EMAIL",
                        "value": "test+41478d1b-7b9c-4d8e-9e32-860fa4cfde24@bunq.com",
                        "name": "test+41478d1b-7b9c-4d8e-9e32-860fa4cfde24@bunq.com"
                    },
                    {
                        "type": "IBAN",
                        "value": "NL51BUNQ2093937468",
                        "name": "Ayako Visser"
                    }
                ],
                "avatar": {
                    "uuid": "659e794e-f55e-4cfe-9f6d-465622cf43da",
                    "image": [
                        {
                            "attachment_public_uuid": "523b48a0-7a77-4598-9920-86f26135fef0",
                            "height": 1023,
                            "width": 1024,
                            "content_type": "image/png",
                            "urls": [
                                {
                                    "type": "ORIGINAL",
                                    "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/921ece497cd00f4e0cef3f0f63a962c31cf3f8e35311d127d5a7b23be3d074d5.png"
                                }
                            ]
                        }
                    ],
                    "anchor_uuid": "e2947f01-1ae1-4be3-a9e4-6605476ff843",
                    "style": "NONE"
                },
                "balance": {
                    "currency": "EUR",
                    "value": "0.00"
                },
                "balance_converted": {
                    "currency": "EUR",
                    "value": "0.00"
                },
                "country": "NL",
                "currency": "EUR",
                "display_name": "A. Visser",
                "daily_limit": {
                    "currency": "EUR",
                    "value": "5000.00"
                },
                "description": "Main",
                "public_uuid": "e2947f01-1ae1-4be3-a9e4-6605476ff843",
                "status": "ACTIVE",
                "sub_status": "NONE",
                "timezone": "europe/amsterdam",
                "user_id": 2040503,
                "monetary_account_profile": {
                    "profile_fill": {
                        "status": "ACTIVE",
                        "balance_preferred": {
                            "currency": "EUR",
                            "value": "100.00"
                        },
                        "balance_threshold_low": {
                            "currency": "EUR",
                            "value": "50.00"
                        }
                    },
                    "profile_drain": null,
                    "profile_action_required": "NO_ACTION_NEEDED",
                    "profile_amount_required": {
                        "currency": "EUR",
                        "value": "0.00"
                    }
                },
                "setting": {
                    "color": "#FF7819",
                    "icon": null,
                    "default_avatar_status": "AVATAR_DEFAULT",
                    "restriction_chat": "ALLOW_INCOMING",
                    "sdd_expiration_action": "AUTO_ACCEPT"
                },
                "connected_cards": [],
                "budget": [],
                "all_access": [
                    {
                        "MonetaryAccountAccess": {
                            "id": 2595530,
                            "created": "2025-07-21 09:14:18.742179",
                            "updated": "2025-07-21 09:14:18.742179",
                            "access_type": "FULL_PERMANENT"
                        }
                    }
                ],
                "overdraft_limit": {
                    "currency": "EUR",
                    "value": "0.00"
                },
                "all_auto_save_id": []
            }
        }
    ]
}
```


---

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