How does account aggregation work for neobanks?

Customers authorize access to their external bank accounts through a secure consent flow. Fiskil then provides real-time access to account balances, transactions, and account details through our API.

Can we white-label the consent experience?

Yes, Fiskil offers customizable consent flows that can be styled to match your brand, providing a seamless experience for your customers.

What banks can customers connect?

Fiskil supports connections to over 100 Australian financial institutions, including all major banks and many credit unions and smaller institutions.

How does account aggregation increase neobank engagement?

By providing a complete view of customers' finances across all their accounts, your neobank becomes their primary financial management tool, increasing daily active users and reducing churn.

Can neobanks access transaction data in real-time?

Yes, transaction data is available in near real-time, allowing neobanks to provide instant spending insights, budget alerts, and personalized financial recommendations as transactions occur.

How long does customer consent last for account aggregation?

Under CDR, consent is granted for a specified period (typically 12 months) and can be renewed. Customers can revoke consent at any time through your neobank interface.

Does account aggregation support business banking accounts?

Yes, our API supports both personal and business banking accounts, enabling neobanks to serve sole traders, SMEs, and business customers with comprehensive account aggregation.

Banking API for Neobanks & Digital Banks

Banking API for Neobanks and Digital Banks

Neobanks compete on customer experience. Fiskil's Banking API enables you to offer account aggregation, bringing your customers' external accounts into your app and delivering a complete financial picture.

The Challenge

Neobank customers hold accounts at multiple institutions. Without visibility into these external accounts, you can't deliver the holistic financial management experience customers expect.

The Solution

Fiskil enables neobanks to securely aggregate external account data, providing customers with a unified view of their finances while increasing engagement with your platform.

Benefits

Key Benefits

Account Aggregation

Show customers all their accounts from any bank in your app.

Transaction Enrichment

Categorize and enrich transaction data for better insights.

Increased Engagement

Become the primary financial app by showing the full picture.

Competitive Advantage

Differentiate with features traditional banks can't match.

Use Cases

Common Use Cases

Multi-Bank Dashboard

Display balances and transactions from all customer accounts.

Spending Insights

Analyze spending across all accounts for personalized recommendations.

Salary Detection

Identify when salary is deposited to trigger relevant features.

Ready to get started?

Get your API keys today and start building with Fiskil's Banking API.

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