Initiate payments and access financial data across consumer and business accounts — all through one secure, FCA-regulated API.
Every API you need to build, launch and scale any open banking product — from a single integration.
Real-time balances, transactions & identity data from 5,000+ banks.
Instant A2A payments with zero chargebacks and 60% lower fees.
Flexible, consent-driven recurring payments. Replace direct debits with VRP.
Send 1,000+ payments in one API call. Instant payroll, refunds & payouts.
Transform raw transactions into categorised financial intelligence.
360° financial behaviour — income, affordability, risk signals & merchant data.
FCA authorisation, consent management and audit-ready infrastructure.
Real-time risk scoring, watchlist screening and auto-SAR generation.
A single REST integration unlocks 5,000+ banks across the UK and Europe. No individual bank agreements, no bespoke connectors — just one call.
Every API call is FCA authorised, GDPR compliant and PSD2-certified. Compliance is built into the infrastructure — not something you bolt on later.
From Pay by Bank and alternative credit scoring to AML monitoring and AI financial advice — Ironledge maps to every validated open banking use case.
From personal finance to emerging AI-powered products — explore the full landscape of what open banking makes possible.
View all bank accounts, cards & investments in a single dashboard for a 360° financial view.
Auto-categorise transactions and set spending limits per category to prevent overspending.
Round-up spare change or rule-based sweeps to savings pots for effortless wealth building.
Detect & manage recurring charges across all accounts to eliminate forgotten subscriptions.
Real-time assets vs liabilities across all institutions for an instant financial health snapshot.
Behavioural AI alerts like "You spend 30% more on weekends" to drive better financial decisions.
Pay merchants directly from bank account, bypassing card rails for lower fees and instant settlement.
Flexible direct debits for utilities, rent and subscriptions — replacing standing orders with customer-controlled flows.
Split bills in real time without sharing card details for frictionless group payments.
Bank-rail cross-border payments via open banking APIs — cheaper and faster than SWIFT/SEPA card networks.
Predict future balances using ML on transaction patterns to prevent insolvency and enable better capital planning.
Single dashboard for funds across all business accounts — eliminates manual reconciliation and reduces FX risk.
Auto-sweep surplus cash to high-yield accounts to maximise returns on idle funds.
Centralise and automate cash visibility across all accounts — real-time inflows, outflows and projected balances to prevent shortfalls before they happen.
Sync bank transactions directly to Xero/QuickBooks — eliminates manual data entry and reduces errors.
Pre-populate HMRC and tax returns with bank data to save hours and reduce penalties from errors.
Auto-match incoming payments to outstanding invoices to reduce Days Sales Outstanding (DSO).
Auto-match supplier invoices to outgoing bank payments, flag duplicates and schedule disbursements — eliminating manual AP processing and cutting payment errors.
Monitor incoming payments against outstanding invoices in real time — auto-reconcile receipts, reduce DSO and proactively chase overdue accounts using verified bank data.
Loan sized and repaid as a percentage of monthly revenue for flexible repayment with no fixed instalments.
Consumer view of all pensions in one regulated portal — addressing £26.6bn in lost UK pension pots.
Non-banks embed accounts and payments in their products to monetise existing customer bases.
Pull live data to auto-generate FCA/PRA reports and reduce compliance cost by 40–60%.
Real-time simulation of personal and business finances for scenario planning and crisis prevention.
AI financial adviser grounded in real transaction context — personalised, scalable, available 24/7.
Calculate personal and corporate carbon footprint from spending patterns to support net-zero commitments.
Reward low-carbon spending with better financial rates to drive sustainable behaviour change.
Auto-verify eligibility for state benefits via bank data to reduce unclaimed benefits and fraud.
Flag households at financial risk to support services for proactive welfare intervention.
Track whether products remain affordable over customer lifetime to meet FCA Consumer Duty requirements.
From cash flow management to accounts payable automation — open banking transforms how businesses handle money.
Real-time cash visibility and predictive forecasting across all your business bank accounts.
Automate bookkeeping, invoice reconciliation, and HMRC submissions using live bank data.
Automate corporate spend tracking and enforce real-time controls at the bank level.
Unlock faster, fairer credit using real business bank data instead of outdated credit files.
Automate KYB, AML monitoring, and audit trails using live verified bank data.
Turn transaction data into strategic intelligence — from CLV modelling to churn prevention.
18 forward-looking use cases spanning AI, climate, embedded finance, and government services — being built on open banking infrastructure today.
Real-time simulation of personal and business finances enabling scenario planning and proactive crisis prevention.
AI adviser grounded in real transaction context — delivering personalised, scalable financial guidance 24/7.
Consented transaction data used to train AI models, accelerating fintech product development cycles.
Non-banks embed accounts and payments directly in their products, monetising existing loyal customer bases.
Calculate personal and corporate carbon footprints from spending patterns to support net-zero strategies.
Finance suppliers who meet ESG criteria verified by real financial data — linking cost of capital to sustainability.
Pull live data to auto-generate FCA and PRA reports — reducing compliance costs by 40–60%.
Consumer view of all pensions in one regulated portal — addressing £26.6bn in lost UK pension pots.
Flag households at financial risk to support services for proactive, data-driven welfare intervention.
Sign up, receive credentials and access the full sandbox environment in under 5 minutes.
Add a few lines of code using our REST API, webhooks, or pre-built SDKs for Node, Python and more.
Your users authorise via their own bank's secure SCA flow. No credentials ever touch your servers.
Handle millions of requests with confidence — backed by FCA authorisation, ISO 27001, and 99.9% uptime SLA.
Every connection, every transaction, every data point handled under the highest UK and EU regulatory standards.
Fully authorised AISP and PISP under the UK Payment Services Regulations 2017.
International standard for information security management — independently audited annually.
Compliant with EU PSD2 and UK Open Banking Implementation Entity (OBIE) standards.
Full GDPR data handling, consent management, and right-to-erasure built into every API response.
Native SCA via eIDAS certificates — no credentials ever pass through our infrastructure.
All data encrypted in transit and at rest with AES-256, TLS 1.3, and HSTS enforcement.
Enterprise-grade infrastructure with multi-region failover and real-time status monitoring.
Full-featured sandbox with synthetic data to test every use case before going live.
Join hundreds of fintechs, banks, and enterprises already using Ironledge.
No credit card required · FCA regulated · Live in minutes