Open Banking affordability checks for lenders and credit unions
Verify income, affordability and surplus from a customer's real bank data across 23 UK banks, with up to 7 years of history. Credit Canary provides the regulated access, so you don't need your own Open Banking permission.
What is Open Banking?
Open Banking is a UK framework, created under PSD2 and the CMA's order on the nine largest banks (CMA9), that lets a customer give an FCA-authorised provider secure, consent-based access to their bank data (via an AISP) or permission to initiate a payment (via a PISP). Access is explicit, time-limited and revocable. Read the full definition.
Credit Canary connects to 23 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.
Aggregator or decisioning layer?
Open Banking aggregators such as TrueLayer, Yapily and Tink give you the bank connection and the raw data. Credit Canary is the decisioning layer on top: it can use that connectivity and turns the data into an affordability decision.
| Aggregator TrueLayer, Yapily, Tink | Credit Canary Decisioning layer | |
|---|---|---|
| What you get | A regulated connection to the banks and raw transaction data | The connection plus a lending decision |
| Categorisation & enrichment | You build it | Categorised transactions, income detection, surplus and risk flags built in |
| Affordability output | Your own models on top | Income, surplus and affordability signals out of the box |
| If a connection fails | Handle it yourself | PDF bank-statement fallback included |
| Where it sits | Data layer | Decisioning layer on top of Open Banking connectivity |
TrueLayer, Yapily and Tink are trademarks of their respective owners and are not affiliated with Credit Canary.
Simple, transparent pricing
No hidden fees. Volume discounts available.
Open Banking affordability checks via Credit Canary cost from £0.50 ex VAT per check (October 2026). Volume discounts available; no hidden fees.
| Check | Price (ex VAT) |
|---|---|
| Open Banking affordability check | from £0.50 |
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
Connected to 23 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
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.
Open Banking FAQ
Developer First
Everything you need to connect, verify, and retrieve open banking data in real-time.
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.