Banking API — Fintech
Account Aggregation API for Fintech Applications
Enable users to connect and view all their bank accounts in one place. Fiskil's account aggregation API provides real-time access to accounts, balances, and transactions from 200+ banks, lenders and energy providers across Australia and New Zealand.
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.
The Challenge
Users have accounts spread across multiple banks, but managing them separately creates friction and limits financial insights.
The Solution
Fiskil's Banking API enables secure account aggregation through CDR-compliant connections to all major Australian banks.
Capabilities
How Fiskil Helps
Multi-Account Connectivity
Connect to checking accounts, savings accounts, credit cards, loans, and investment accounts across 200+ banks, lenders and energy providers across Australia and New Zealand.
Real-Time Balance Updates
Access current account balances with real-time or near-real-time updates.
Transaction History
Retrieve complete transaction history with automatic categorization and enrichment.
Account Metadata
Access account details including account numbers, BSB, account type, and holder information.
Implementation
How It Works
Initialize Connection
Create a consent session for the user to authorize access to their bank accounts through Fiskil's secure consent flow.
User Authentication
User authenticates with their bank through the CDR-compliant consent process. Fiskil handles all security and compliance requirements.
Fetch Accounts
Retrieve the list of connected accounts with balances, account types, and metadata using the accounts API endpoint.
Access Transactions
Pull transaction history for each account with automatic categorization, merchant enrichment, and recurring payment detection.
In Practice
How Teams Use This
Personal Finance Manager
A personal finance app uses account aggregation to show users their complete financial picture across 5 different banks.
Users see all accounts in one dashboard, resulting in 40% higher engagement and better financial decision-making.
Budgeting Application
A budgeting tool aggregates transactions from multiple accounts to automatically track spending against budget categories.
Reduced manual transaction entry by 95%, making budgeting effortless for users.
Wealth Management Platform
An investment platform uses account aggregation to show clients their total financial position including bank accounts and investments.
Advisors get complete financial view, improving advice quality and client satisfaction by 30%.
Technical Details
What You Integrate With
API endpoints
GET /accountsGET /accounts/{accountId}GET /accounts/{accountId}/balanceGET /accounts/{accountId}/transactions
Data returned
Account details
Account balances
Transaction history
Account holder information
BSB and account numbers
Authorisation
OAuth 2.0 / CDR consent
Real-time data access.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
Fintech
Transaction Categorization
Automatically categorize bank transactions into spending categories with Fiskil's intelligent categorization engine. Turn raw transaction data into actionable insights.
Personal Finance
Budget Tracking
Track spending against budgets automatically using real banking transactions. Help users manage their money with intelligent budget tracking and alerts.
Wealth Management
Portfolio Aggregation
Aggregate investments, bank accounts, and assets into one unified portfolio view. Provide clients with complete wealth visibility across all institutions.
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