Banking API — Neobanks
Instant Digital Wallet Funding from Bank Accounts
Enable customers to fund digital wallets instantly from their bank accounts. Provide seamless wallet top-ups with real-time balance verification.
Digital wallets need easy funding options. Fiskil enables instant wallet funding directly from users' bank accounts with balance verification.
The Challenge
Traditional funding methods (card entry, bank transfers) are slow and create user friction.
The Solution
Enable one-click wallet funding from connected bank accounts with real-time balance verification.
Capabilities
How Fiskil Helps
Connected Account Funding
Fund wallet instantly from any connected bank account with one click.
Balance Verification
Check balance before initiating transfer to prevent failed transactions.
Real-Time Transfers
Funds available in wallet immediately through NPP real-time payments.
Auto-Reload
Automatically reload wallet when balance falls below threshold.
Implementation
How It Works
Connect Bank Account
User connects their bank account through CDR consent for funding access.
Select Funding Source
User selects connected account and amount to add to wallet.
Verify Balance
API checks account balance to ensure sufficient funds are available.
Instant Transfer
Funds are transferred and available in wallet within seconds.
In Practice
How Teams Use This
Crypto Trading App
A crypto app enables instant wallet funding from bank accounts for trading.
Funding completion rate increased from 45% to 89%, driving 2.5x more trades.
Payment Wallet
A P2P payment wallet adds bank account funding for easy top-ups.
Average wallet balance increased 3x with easier funding, improving transaction volume.
Gaming Platform
A gaming platform enables instant wallet funding for in-game purchases.
Conversion rate on purchases increased 65% with frictionless funding.
Technical Details
What You Integrate With
API endpoints
POST /wallet/fundGET /accounts/{accountId}/balancePOST /wallet/auto-reload/setupGET /wallet/funding-history
Data returned
Account balances
Transfer amounts
Transaction status
Available balance
Auto-reload settings
Funding history
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
Balance Checking
Verify account balances in real-time before processing transactions. Prevent failed payments and NSF fees with instant balance checks across Australian banks.
Neobanks
Instant Onboarding
Onboard customers instantly using banking data verification. Verify identity, income, and account ownership in seconds instead of days.
Consumer Finance
Payment Capability Verification
Verify customers can afford installment payments in real-time. Reduce payment failures and defaults by assessing true payment capability from banking data.
Get started today
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