Real-Time Bank Account Data at Your Fingertips
Access balances, transactions, and account details from 500+ European banks with a single consent. Build data-driven financial products without manual bank statements.
What Can You Build with AIS?
Account Information Services unlock an enormous range of financial product innovation.
Personal Finance Management
Help users understand their spending, track budgets, and achieve financial goals with aggregated multi-bank data.
- → Budget tracking apps
- → Spending analysis tools
- → Savings goal trackers
Credit Scoring & Underwriting
Use real bank data to make faster, more accurate lending decisions. Replace paper statements with live transaction data.
- → Alternative credit scoring
- → Mortgage affordability checks
- → Loan decisioning
Digital Onboarding
Verify customer identity and income in seconds using bank-verified data during account opening or KYC.
- → Income verification
- → Identity confirmation
- → Fraud prevention
Business Cash Flow
Give businesses a single view of all their business accounts for smarter financial management and forecasting.
- → Multi-bank dashboard
- → Cash flow forecasting
- → Accounts reconciliation
Wealth Management
Aggregate investment, pension, and savings accounts for a holistic client financial picture.
- → Portfolio aggregation
- → Net worth tracking
- → Investment performance
Accounting & Bookkeeping
Automatically sync bank transactions to accounting software, eliminating manual data entry.
- → Transaction sync
- → Invoice matching
- → VAT calculation
Data Available via AIS
Structured, normalised financial data from every supported bank
Account Details
- Account name
- IBAN
- Currency
- Account type
- Bank BIC
- Ownership info
Balances
- Available balance
- Booked balance
- Forward-available
- Expected balance
- Opening booked
- Closing booked
Transactions
- Amount & currency
- Booking date
- Value date
- Creditor/Debtor name
- Remittance info
- Transaction ID
Access Bank Data Instantly
Connect to any European bank and retrieve structured financial data in minutes.