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.