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GoCardless Bank Account Data
London, United Kingdom
What it is
GoCardless Bank Account Data is an API for connecting to users’ bank accounts through bank PSD2 APIs and returning account information in JSON. Businesses can request account holder names, account numbers and IBANs, current and available balances, and transaction details such as dates, counterparties, descriptions, and amounts. The service can access up to 24 months of transaction history, with up to 90 days of continuous account access. End users give consent through their bank, then authenticate through the financial institution’s interface. Developers use a portal user secret to create authorization tokens for API requests; GoCardless offers a quickstart guide and Postman schema instructions. Account Information is available in EEA countries subject to PSD2 where GoCardless says it operates as an authorized AISP. Banks may limit requests to as few as four calls per account per day. Verification is offered only to paying customers, and new accounts are non-verified by default. The paid service has pricing on request. GoCardless says it encrypts data at rest and in transit, has been ISO 27001 certified since 2016, and provides technical support.
For and against
For
- Returns balances, identifiers, and transaction details
- Can access up to 24 months of transactions
- End users authorize sharing through their bank
- Includes a quickstart guide and Postman schema instructions
Against
- Pricing is available on request
- Banks may allow as few as four requests daily per account
- Verification is only offered to paying customers
The verdict
GoCardless Bank Account Data offers a consent-driven API for account details, balances, and transaction history, with JSON responses and developer guidance. Check the available access period and bank request limits for the accounts you need.
Who it suits
It suits businesses and developers that need consent-based access to bank account details and transaction history through an API.
Plans and prices
Standard
Read 24 Oct 2026 · gocardless.com
Advanced
Read 24 Oct 2026 · gocardless.com
Pro
Read 24 Oct 2026 · gocardless.com
Custom
Read 24 Oct 2026 · gocardless.com
On the record
- API access
- API access requires a Bank Account Data portal user secret, which is used to create authentication tokens for API requests.docs.gocardless.com · read 9 Oct 2026
- API integration
- Developers can integrate using the Bank Account Data API, which returns responses in JSON and requires an authorization token for requests.docs.gocardless.com · read 8 Oct 2026
- Available data
- The API provides account holder and account details, transaction information, and current and available balances.docs.gocardless.com · read 8 Oct 2026
- Company headquarters
- GoCardless Ltd lists its address as Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom.gocardless.com · read 9 Oct 2026
- Company scale
- GoCardless says its services are used by more than 100,000 businesses, from small businesses to enterprises, globally.gocardless.com · read 9 Oct 2026
- Consent
- End users authorize data sharing through their bank, and GoCardless describes open banking as user consent driven.gocardless.com · read 8 Oct 2026
- Consent flow
- End users select a supported financial institution, accept a GoCardless-hosted consent screen, and authenticate through the institution’s interface.docs.gocardless.com · read 9 Oct 2026
- Coverage
- The solution is available in European Economic Area countries subject to PSD2, where GoCardless says it operates as an authorised AISP.docs.gocardless.com · read 9 Oct 2026
- Credential handling
- The documentation says GoCardless does not store or process end-user credentials when a financial institution relies on GoCardless to collect them.docs.gocardless.com · read 9 Oct 2026
- Data returned
- The API can provide account holder names and account identifiers, current and available balances, and transaction dates, counterparties, descriptions, and amounts.docs.gocardless.com · read 9 Oct 2026
- Developer tools
- GoCardless provides a quickstart guide and instructions for importing the API schema into Postman.docs.gocardless.com · read 8 Oct 2026
- History and access
- The Account Information solution can access up to 24 months of transaction history and up to 90 days of continuous account access.docs.gocardless.com · read 9 Oct 2026
- Product
- Bank Account Data API connects to users’ bank accounts through bank PSD2 APIs and returns account information in JSON.docs.gocardless.com · read 9 Oct 2026
- Purpose
- Bank Account Data API connects users’ bank accounts and provides account information from bank PSD2 APIs.docs.gocardless.com · read 8 Oct 2026
- Rate limits
- Banks may impose rate limits as low as four API calls per day for each account, with separate limits for account details, balances, and transactions.docs.gocardless.com · read 9 Oct 2026
- Regulatory status
- GoCardless says it is authorised by the UK Financial Conduct Authority under the Payment Services Regulations 2017.gocardless.com · read 9 Oct 2026
- Security
- GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit.gocardless.com · read 9 Oct 2026
- Support
- The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT.bankaccountdata.zendesk.com · read 9 Oct 2026
