Data APIs
Credit & risk insight
The pipelines for transferring and accessing normalised bank data, from your customer's bank account into any platform.
Real-time, normalised data
Our unified Data APIs transfer account holder information and transaction data from your customer’s bank, to you.
No matter where your data comes from, our Data API normalises and enriches the data we receive from financial institutions, saving you time and effort spent building and maintaining multiple integrations.
Enriched data
Within seconds of a consent you can view account holder name, their account type, alongside balances and enriched transactions.
Secure
Open API's are highly regulated and secure. Our APIs are built on bank grade security that are compliant with the UK FCA and international standards.
13,000+ banks
Our data APIs provide a normalised single point of integration that supports over 13,000+ bank connections in over 45+ countries.
Stored data
When a customer consents to share their data, we can store the received data for you, you can also decide when to refresh or delete data.
Accurate data
Open banking data comes directly from banks and financial institutions. The data is real-time, accurate, and impactful when making credit & risk decisions.
Categories & classes
Our enrichment process categorises data into over 80 categories and 11 classes so you can understand how and where your customer spends their money.
Use transaction data from any source
Use our engine on your own data
Input transaction data from any source. If you already have a data set, or currently access open banking data, plug in to our income verification engine and we'll return the income data you need to make confident decisions.
We can categorise and classify transaction data from any source. If you already have a data set, or currently access open banking data, plug in you data to our engines and we'll return the categorised transactions.
Browse our platform
Our platform
The DirectID platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.
Get started using open banking data
Talk with one of our specialists to find out more about using open banking data.
Demo of the guided customer consent journey
Walk through of our real-time data & insights
Coverage check in your markets