Why am I seeing only 88 days of transactions on Monzo requests?

Monzo allows you to pull transactions back up to six years in the first 5 minutes.

The Strong Customer Authentication (SCA) limits the retrieval of sensitive or historical transactional data to a set period after the initial consent and authentication of an end-user.

After this period, banks that enforce SCA will only return 90 days of transactions, and, in Monzo’s case, 88 days. 

Solution

Following the reauthentication flow

1. Call our reauth endpoint with a refresh_token for the user you would like to re-authenticate.
2. We return a link to the bank for the user to follow. This is the link to their bank’s app or website.
3. The end-user will approve the continued sharing of data.
4. Then the end-user will be returned to you at the specified redirect_uri with a code to swap for access and refresh tokens, just as in the first-time user authentication flow.
5. You have 5 minutes to pull the transactions 🕺

Benefits: you will avoid creating a new credentials_id for the end-user.

Follow the authentication flow from scratch

1. Connect to the Console 
2. Generate the Auth Link and connect to the bank
3. Exchange the codefor the access_token 
4. You have 5 minutes to pull historical transactions

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Why am I getting "access denied" when retrieving more than 90 days of transactions, Direct Debits or Standing Orders?