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Connect Open Banking
Bank Data

Open Banking

Real-time transaction data from 25+ UK banks — categorised, enriched and ready for decisioning. Power affordability, income verification and risk assessment in seconds.

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Open Banking
Overview

What is Open Banking?

Credit Canary connects to 25+ UK banks to retrieve account details, balances, and up to 7 years of transaction history — with the customer's explicit consent. Every transaction is automatically categorised, enriched with 1,000s of risk flags, and validated against external sources. The result is a structured data pipeline for affordability analysis, income verification and collections.

Whether you need a simple bank statement view, a fully enriched data pipeline with income detection and gambling flags, or embeddable modules for your existing platform — Open Banking through Credit Canary gives you all three. Personal and business accounts supported.

25+
Banks connected
Personal & business accounts
7 yrs
Max history
Transaction depth varies by bank
1,000s
Risk flags
Enrichment per application
Credit Canary Console — Open Banking Summary
Account Summary
Application ID: A2512576807
Date: 08/04/2026
Monthly Income
£2,343
Monthly Expenditure
£1,843
Monthly Surplus
£500
Accounts Connected
3
Transactions
1,232
Uncategorised
12%

Income Breakdown

Salary£2,155.00
Benefits£188.45
Other Income£0.00

Enrichment Flags

Gambling-to-Income (3m)2.1%
BNPL Payments (3m)£245.00
Returned DDs (12m)0
DCA Flags0

Connected Accounts

Barclays ***12Primary · Active
Metro Bank ***23Joint · Available
Monzo ***45Personal · Available

Affordability Snapshot

Pre-Payday Min Balance£342.18
Overdraft Occasions (6m)3
Avg Days in Overdraft2.1
Surplus After Repayment+£350.00
Sample data — actual results will vary View full report in Console →
Pricing

Transparent, volume-based pricing

Simple per-check pricing that gets cheaper the more you use. No hidden fees.

Starting from

£0.50 /per check

ex VAT · Volume discounts available

Volume Discounts

Higher usage = lower unit cost

Setup Fee

£0 — no setup or onboarding cost

Ongoing Management

Included at no extra cost

We guarantee to beat your current price

Switch to Credit Canary and pay less. Bring us your current pricing and we'll beat it.

All prices ex VAT. Minimums apply.

What's included

Data delivered via webhooks

Collected data is chunked and pushed to your webhook endpoint — accounts, transactions, income, surplus and features.

Account Data

  • Account type & subtype
  • Account number & sort code
  • Bank name & provider
  • Current balance
  • Consent renewal date
  • Surplus calculation flag

Transaction Data

  • Booking date & datetime
  • Amount & direction (credit/debit)
  • Raw & cleaned descriptions
  • Merchant identification
  • Category / subdivision / subgroup
  • Running balance

Income Detection

  • Income source & employer match
  • Salary, benefits & other income
  • Monthly averages & trends
  • Payment frequency detection
  • Income shock alerts
  • Next payment prediction

Surplus Analysis

  • Income vs expenditure by category
  • Essential bills detection
  • 3/6/12 month look-back windows
  • Monthly predictions
  • Credit/debit indicators

Enrichment Flags

  • Gambling-to-income ratios
  • BNPL & credit line exposure
  • Returned direct debits
  • DCA (debt collection) flags
  • HCSTL detection
  • Overdraft frequency

SME Features

  • Cash received & spent
  • Cash surplus & debt ratio
  • VAT & PAYE payment flags
  • Late payment detection
  • Closing bank balance
  • Income & liquidity variance

Data Quality

  • Multi-account reconciliation
  • Duplicate transaction elimination
  • Blank description detection
  • Transaction pair matching
  • Customer data playback
  • PDF failsafe mechanism
Bank Coverage

Connected to 25+ UK banks

Personal and business accounts with transaction history up to 7 years. Additional connections available on request.

BankPersonalBusinessHistory Depth
AIB Group✓—2 years
Bank of Scotland✓✓7 years
Barclays✓✓7 years
Coutts✓—7 years
Danske Bank✓—5 years
First Direct✓—6 years
Halifax✓—7 years
HSBC✓✓6 years
Lloyds Bank✓✓7 years
M&S Bank✓—6 years
Mettle—✓Full history
Monzo✓✓Full history
Nationwide✓—15 months
NatWest✓✓7 years
Revolut✓✓Full history
Royal Bank of Scotland✓✓7 years
Santander✓✓24 months
Starling✓✓Full history
Tesco Bank✓—7 years
Tide—✓Full history
TSB✓✓5 years
Ulster Bank✓✓7 years
Zempler Bank✓✓5 years

Transaction depth depends on how long the account has been open. Access requires explicit customer consent.

Additional connections available on request

AIB Business · Bank of Scotland Commercial · Barclays Corporate · HSBC Kinetic · HSBCNet · Lloyds Commercial · MBNA · NatWest Bankline · NatWest One Account · RBS Bankline · Virgin One Account · Wise

Flexible delivery

Access your data, your way

White-label console, embeddable module, raw API data, reports.

White-Label Console

A branded underwriting interface with search, filters and full transaction views.

Embeddable Module

SSO-enabled widgets you can embed directly into Salesforce, Dynamics or your own platform.

REST API + Webhooks

Full JSON data via webhooks — transactions, features, income and surplus delivered in chunks of 1,000 records.

PDF & Reports

Auto-generated bank statements and affordability reports as downloadable PDFs.

Frequently asked questions

Open Banking FAQ

Developer ready

Chunked webhook delivery

Data is pushed to your endpoint in chunks of 1,000 records. Failed requests are automatically retried three times.

POST https://client.com/api/receive
# Webhook — Transaction Data (chunk 1 of 559)
{
  "applicationId": "A2512576807",
  "customerId": "C2512291364",
  "webhook_type": "transaction",
  "chunk_index": 1,
  "total_chunks": 559,
  "data": [
    {
      "date": "2025-05-27",
      "amount": "562.53",
      "credit_debit_indicator": "Credit",
      "description_clean": "SALARY PAYMENT",
      "merchant": "EMPLOYER LTD",
      "group": "Income",
      "subgroup": "Salary",
      "balance": "564.90",
      "flag_income_calc": true,
      "flag_surplus_calc": true
    }
  ]
}

Ready to connect?

Book a 30-minute demo and we'll walk you through Open Banking integration — standalone or as part of your full affordability pipeline.

Book a Demo Developer Docs