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© Fiskil 2026. All rights reserved.
Fintech
Account Aggregation
Account aggregation is the foundation of modern fintech applications. By connecting multiple bank accounts through a single API, you can provide users with a unified view of their finances, enabling powerful money management features.
Users have accounts spread across multiple banks, but managing them separately creates friction and limits financial insights.
Users must log into multiple banking apps to check balances
No unified view of total financial position
Manual consolidation is time-consuming and error-prone
Difficult to track spending across accounts
Limited ability to analyze overall financial health
Fiskil's Banking API enables secure account aggregation through CDR-compliant connections to all major Australian banks.
Connect to checking accounts, savings accounts, credit cards, loans, and investment accounts across 100+ institutions.
Access current account balances with real-time or near-real-time updates.
Retrieve complete transaction history with automatic categorization and enrichment.
Access account details including account numbers, BSB, account type, and holder information.
Integrate Fiskil's account aggregation API in four straightforward steps.
Create a consent session for the user to authorize access to their bank accounts through Fiskil's secure consent flow.
User authenticates with their bank through the CDR-compliant consent process. Fiskil handles all security and compliance requirements.
Retrieve the list of connected accounts with balances, account types, and metadata using the accounts API endpoint.
Pull transaction history for each account with automatic categorization, merchant enrichment, and recurring payment detection.
Transactions are automatically categorized into spending categories (groceries, transport, bills, etc.) for instant insights.
Raw transaction descriptions are enhanced with clean merchant names, logos, and additional context.
Automatically identify subscriptions, regular bills, and recurring payments across all accounts.
Identify salary deposits, government payments, and other income sources for financial assessment.
Aggregate data across accounts to calculate total net worth, total spending, and cross-account trends.
Built-in consent dashboard allows users to view, manage, and revoke account connections at any time.
A personal finance app uses account aggregation to show users their complete financial picture across 5 different banks.
Result: Users see all accounts in one dashboard, resulting in 40% higher engagement and better financial decision-making.
A budgeting tool aggregates transactions from multiple accounts to automatically track spending against budget categories.
Result: Reduced manual transaction entry by 95%, making budgeting effortless for users.
An investment platform uses account aggregation to show clients their total financial position including bank accounts and investments.
Result: Advisors get complete financial view, improving advice quality and client satisfaction by 30%.
GET /accountsGET /accounts/{accountId}GET /accounts/{accountId}/balanceGET /accounts/{accountId}/transactionsAccount details
Account balances
Transaction history
Account holder information
BSB and account numbers
OAuth 2.0 / CDR consent
Yes
There is no limit. Users can connect as many accounts as they want from any of the 100+ supported financial institutions.
Account balances and transactions can be refreshed in real-time whenever the user opens your app. The API provides fresh data directly from the bank.
CDR consent does not use stored credentials. Users authenticate through their bank's secure login, and consent remains valid until the expiration date (typically 12 months) or user revocation.
Yes, the API supports personal accounts, joint accounts, and business accounts. Users grant consent for the specific accounts they control.
Under CDR, you can access transaction history going back up to 7 years, depending on the bank's data availability.
Yes, Fiskil provides default categorization, but you can also implement your own categorization rules or customise the category taxonomy.
The API returns clear error codes when consent expires. You can prompt users to re-authorize through the consent flow to restore access.
Fintech
Automatically categorize bank transactions into spending categories with Fiskil's intelligent categorization engine. Turn raw transaction data into actionable insights.
Personal Finance
Track spending against budgets automatically using real banking transactions. Help users manage their money with intelligent budget tracking and alerts.
Wealth Management
Aggregate investments, bank accounts, and assets into one unified portfolio view. Provide clients with complete wealth visibility across all institutions.
Join hundreds of companies using Fiskil to power their fintech applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.