This API, provides the ability for approved/authorised account information providers (AISPs) to access a customer’s (payment service user, PSU) account and transaction information for domestic business current accounts (BCAs) and personal current accounts (PCAs), only when the PSU grants consent. This API is developed according to the Open Banking Read/Write API Specifications, see https://www.openbanking.org.uk

Key Features:

• Transaction details: transactions in and out, description
• Account details: Account Type and Account Subtype, overdraft information
• Saved payees
• Recurring payments
• Product Details: Credit Interest rates, overdraft fees and charges and other fees and charges

New in ths version:

New end points added for

• Offers
• Party
• Scheduled Payments
• Statements

Product scope increased to include

• All GBP and non GBP banking and savings accounts
• Cahoot Accounts
• Corporate accounts regardless of turnover
• Credit Card (for the Offers end points only)

Account Details: Servicer Name and Identification added

What can you do?

• Register an intent to retrieve account information by creating an "account request". This registers the data "permissions", expiration and transaction history timeframe the PSU has consented to provide to the AISP; and

• Subsequently retrieve account and transaction data

Who can have access to the API?

Access to the Account Information API is limited to approved/authorised AISPs. Approval and authorisation is managed by the Financial Conduct Authority in the UK (FCA, see https://www.fca.org.uk/ and other relevant competent authorities across the EU. Approved/Authorised organisations should then be enrolled to use the Open Banking Directory. By successfully accomplishing these prerequisites, an AISP will obtain the necessary digital identities and certificates which enable organisations to securely connect and communicate via the Open Banking Security Profile in a standard manner and to best protect all parties within the Open Banking ecosystem.