Credit-Monzo

A script to synchronise Credit Card Transactions and Monzo, which can be setup to be run every 15 minutes via cron.

Requirements

• Monzo Account
• Support Credit Card
• Python >3.9 (Virtual Env is recommended!)

Supported Credit Card

• American Express
• Barclaycard (untested*)
• Capital One (untested*)
• Tesco Bank (untested*)

I haven't personally tested all of these but I don't see why it shouldn't work! The truelayer api is pretty straightforward

❗ Attention ❗

The issue with the refresh token I had highlighted was in fact a misconfiguration! When you are creating your Monzo 'client', make sure to make it 'Confidential"!

Work In progress

• GUI for setting up and monitoring

Environment Variables

To run this project, you will need to add the following environment variables to your .env file. Duplicate the .env.example file and rename to .env, then fill out the details. The database can be whatever you want to call the database file.

• truelayer_client_id

• truelayer_client_secret

• monzo_client_id

• monzo_client_secret

• pot_id

• monzo_account_id

• database_file

Installation and Setup

• On your Monzo App, create an American Express Pot

Clone the project into directory

  git clone https://github.com/mtthidoteu/credit-monzo

• Create a TrueLayer Account
• Make sure you are in 'LIVE' Mode (upright toggle)
• Create Data API Client_ID and client_secret add add to .env file
• Login to Monzo Developers and login with Monzo Account
• In Monzo Playground, make a GET request to /pots?current_account_id=$account_id
• Locate and Add your Credit Pot's ID into .env
• Make note of your 'account_id' and add it to .env
• In Monzo Developers, create a Client with Redirect URL set to http://127.0.0.1:5000/callback and 'Confidentiality' set to 'Confindetial'!
• Add newly created Client ID and Client Secret to .env
• Install dependencies

  pip install -r requirements.txt

• Run authentication script

  python script.py auth

• Following Instructions carefully! Make sure to read each line!
• If the script has succeeded, you should be good to go!

Running

Once the setup has been completed. You should be able to run a synchronisation by running

python script.py run

This will download all your 'pending transactions' from your Credit Card account and add them to our database. It will then deposit that amount into a pot!

Making script run dynamically

You will probably have noticed but this script doesn't monitor transactions it only checks the transactions once and exists. What I would recommend if having a cronjob or something similar have the script run every 15 minutes for instance.

For example:

*/15 * * * * /path/to/python/or/venv /path/to/cloned/repository/app.py run

FAQ

I am getting Error TypeError: 'type' object is not subscriptable

Please upgrade to > Python3.9

How will I know if my tokens have expired?

Currently I haven't implemented a very good error notification system and the script won't really throw errors. It'll just keep trying. However, if you notice it stops working, re-run python script.py auth

License

Common Clause