# Monetary Account

### Monetary Accounts

A **Monetary Account** represents a bank account in bunq. Users can have multiple accounts of different types, depending on their needs.

The bunq API supports the following monetary account models:

#### `MonetaryAccountBank`

Standard bunq bank account. Fully featured and supports payments, deposits, budgeting, and more.

#### `MonetaryAccountJoint`

Shared account between two or more users. Ideal for households or joint financial management.

#### `MonetaryAccountSavings`

Savings account with interest.\
**Limited to 2 withdrawals per month**, as per savings account rules.

#### `MonetaryAccountExternal`

Linked account from another bank. Supports viewing balance and transaction history.

#### `MonetaryAccountExternalSavings`

External savings account linked from another bank. Similar to `MonetaryAccountExternalModel`, but categorized as a savings product.

#### `MonetaryAccountCard`

Represents prepaid cards or card-only products with limited banking functionality.

***

Each monetary account model shares common fields (like balance, description, and status), but some types include unique constraints or features.

You can retrieve a user's monetary accounts using:

```bash
GET /user/{user_id}/monetary-account
```

Use the `MonetaryAccountBank`, `MonetaryAccountJoint`, etc. endpoints to access specific account types.

Reference the API objects here:  [Monetary Account](/basics/bunq-api-objects/monetary-account.md)


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