Open Banking | Credit Canary Connect

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

Simple, transparent pricing

No hidden fees. Volume discounts available.

Checks start from

£0.50 /per check

ex VAT · Volume discounts available

Get a Quote

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.

Bank	Personal	Business	History 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

Developer First

Everything you need to connect, verify, and retrieve open banking data in real-time.

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