Why it matters
Anticipate what clients need, before they ask.
Having access to real-time financial data is the foundation of every intelligent financial product.
Real-time Data
Access live financial data from your clients' bank accounts the moment it's available. React to what's happening now, not what happened last week.
Smarter Advice
Categorised transaction data lets you identify exactly where money is going. Give clients genuinely personalised guidance on saving, spending, and planning.
Better Decisions
Use income and expense data to power credit assessments, support fraud checks, and make confident onboarding decisions backed by real bank data.
The flow
Access granted in three steps.
Send a link, let the client authorise from their banking app, and receive the data automatically.
-
Link generated
-
Client authorises
-
Data flows to you
Single integration
All your account data. One place.
Connect to account and transaction data across 99% of UK banks through a single integration. Retrieve balances, account details and up to seven years of transaction history in real time, without managing multiple bank connections or providers.
Transaction Enrichment
From raw data to real insight.
Two enrichment layers applied automatically: every transaction labelled, every balance calculated.
Categorisation you can count on.
Every transaction is labelled the instant it lands, with sector-specific categories applied automatically. No manual rules, no guesswork.
Spend this month
£1,083.90
- Groceries £412.80
- Dining £268.50
- Transport £164.20
- Utilities £142.00
- Shopping £96.40
Categorised automatically across 140+ spending types.
Running balances, always present.
When a bank doesn't provide a running balance, Finexer returns a balance alongside each transaction, giving your platform a more complete transaction record.
Tesco Superstore
−£45.20
£12,405.00
Brightfield Studio
+£4,800.00
£12,450.20
HMRC Tax
−£1,200.00
£7,650.20
Invoice Reconciliation
Know when invoices are paid.
Connect your collection account once. Finexer matches incoming credits to open invoices and flags anything that doesn't match for review, keeping account status in sync.
Explore Payment Suite
Once a payment is reconciled, send the payout directly with Instant Payments.
Accounting & Bookkeeping
Auto-reconcile with live, categorised bank feeds, with no manual data entry required.
Credit Decisioning
Power real income, expense, and affordability assessments from live bank data, not just a credit score.
KYC & Onboarding
Verify identity and run AML checks instantly from bank-verified account information.
Financial Advisory
Surface spending patterns and cash flow insights to power personalised financial guidance.
Fraud Detection
Detect irregular patterns in real time, before they become costly losses.
Cash Flow Management
Give clients a consolidated, real-time view of every connected account, in one place.
FAQ
Frequently asked questions.
What is open banking data aggregation?
Open banking data aggregation lets Finexer pull a customer's account, balance, and transaction data directly from their bank, with their consent.
How is this different from a manual bank statement upload?
Data updates automatically and continuously through the API, rather than relying on a customer uploading a document each time it's needed.
Does Finexer categorise transactions, or only supply raw data?
Both. Raw transaction and balance data is available directly, and Data Enrichment adds automatic categorisation on top.
Does Data Aggregation include identity verification?
No. Identity and account ownership checks are handled by Finexer's Verification product, which can be used alongside Data Aggregation.