API Product

Account Information API

Connect to 5,000+ banks and access real-time account data โ€” balances, transactions, and verified identity โ€” through a single normalised API endpoint.

5,000+
Banks Connected
<200ms
API Latency
99.9%
Uptime SLA
90 days
Transaction History
Core Capabilities

Everything you need to
build with confidence

Six production-ready capabilities available from day one โ€” no additional integrations or extra licensing.

๐Ÿ’ณ

Real-time Balances

Live balance data from every connected account, refreshed on each API call with sub-200ms latency.

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Transaction History

Full 90-day enriched transaction history with merchant names, MCC codes and spend categories.

โœ…

Account Verification

Instantly verify account ownership for KYC, KYB and lending decisioning โ€” no manual checks required.

๐Ÿ’ผ

Income Detection

Automatically identify salary, freelance income and benefit payments from recurring transaction patterns.

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Multi-Bank Aggregation

Connect all a user's accounts across multiple banks in a single, frictionless authorisation flow.

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Identity Matching

Cross-reference account holder names against onboarding data to cut fraud risk and KYC friction.

How It Works

Up and running in
four simple steps

01

Integrate the API

Add a few lines of code via our REST API or pre-built SDK. A full sandbox is available immediately.

02

User Authenticates

Your user selects their bank and authenticates via the bank's own SCA flow โ€” no credentials shared.

03

Access Granted

Ironledge receives a secure access token and begins pulling live account data in real time.

04

Data Delivered

Normalised, enriched data streams to your platform โ€” categorised, merchant-identified and formatted.

Use Cases

Built for the most demanding
financial products

Lending

Instant Loan Decisions

Replace paper statements with live transaction data for real-time affordability decisioning.

Explore use case โ†’
Personal Finance

Account Aggregation

Give users a 360ยฐ view of all their accounts across every bank in one authenticated flow.

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Identity & KYC

Open Banking KYC

Verify identity via verified account ownership โ€” no document uploads, no manual review.

Explore use case โ†’
Developer Experience

Beautiful API. Built for developers.

RESTful endpoints, SDKs in Node, Python, Ruby and Java, and a full-featured sandbox so you can test every scenario before going live.

get-transactions.js
// Fetch enriched transactionsGEThttps://api.ironledge.com/v1/accounts/{id}/transactionsAuthorisation: Bearer {access_token}// Response{"transactions": [{"id": "txn_a1b2c3", "amount": -42.50, "currency": "GBP", "merchant": "Tesco Superstore", "category": "Groceries", "timestamp": "2025-04-28T14:32:00Z"}]}

Start reading bank data
in minutes.

Connect to 5,000+ banks with a single API integration. FCA regulated, sandbox included, no credit card required.

No credit card required ยท FCA regulated ยท Live in minutes