Account Aggregation

Read account data from any European bank

One authorisation flow, one normalised schema, all 2,000+ banks. BankLyra's AIS API abstracts the fragmentation of European PSD2 so you can query account balances, transactions, and ownership details in a single request.

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Account aggregation API flow showing normalised transaction data from multiple European banks

What account aggregation via BankLyra gives you

Normalised transaction schema

BankLyra translates each bank's proprietary transaction format into a consistent structure: amount, currency, booking date, value date, merchant identifier, and enriched category. Write your data pipeline once.

PSD2-compliant consent lifecycle

Consent creation, renewal, and revocation are built into the API. BankLyra handles eIDAS certificate presentation, SCA redirect orchestration, and token refresh — you just store the consent reference ID.

90-day rolling history

Retrieve up to 90 days of transaction history per account on the first data pull, plus incremental sync thereafter. BankLyra caches and deduplicates so you never re-process the same transaction twice.

Multi-account, multi-institution

A single user can authorise multiple bank connections in one session. The API aggregates across all connected accounts, returning a unified view or per-account breakdowns depending on your query parameters.

Webhooks on new data

Subscribe to transaction.new and balance.updated events. BankLyra polls each institution according to its refresh window and fires your endpoint the moment new data lands — no polling required.

28-country coverage

AIS access across UK Open Banking, Berlin Group, STET, SIBS, BankID, and all major European PSD2 standards — from a single API key, without managing separate AIS licences in each jurisdiction.

Developer workflow

Four calls to full account data

  1. Create a consent — POST to /v1/consents with the user's bank identifier and the scopes you need (AIS, balance, transactions).
  2. Redirect user — Send the user to the returned authorisation_url. BankLyra handles bank-specific SCA flows.
  3. Exchange callback — POST the callback code to /v1/consents/{id}/authorise. Consent is now active.
  4. Query accounts — GET /v1/accounts with your consent ID. Returns balances, account details, and transaction history.
GET /v1/accounts 
# 200 OK — accounts response
{
  "accounts": [
    {
      "id": "acc_01HXNP3K7WQBFR2T",
      "institution_id": "gb_hsbc_personal",
      "type": "CACC",
      "currency": "GBP",
      "balance": { "amount": 4820.55, "type": "CLBD" },
      "owner_name": "J. Adeyemi",
      "iban": "GB29HBUK40127612345678",
      "last_refreshed": "2025-11-14T08:03:22Z"
    }
  ],
  "consent_expires": "2026-02-12T08:03:22Z"
}

Who uses account aggregation via BankLyra

Personal finance apps

Aggregate transactions from all of a user's accounts across multiple banks for categorisation, budgeting, and spending insights — without asking users to enter credentials.

Lending platforms

Pull 90-day income and expenditure history as part of affordability assessment. Verify salary credits, recurring commitments, and disposable income in real-time from bank data.

Accounting software

Automatically import bank transactions into accounting ledgers. Match invoices to incoming payments, reconcile accounts, and flag discrepancies — all driven by live bank data.

Wealth management

Build a consolidated view of a client's financial position across all institutions. Trigger rebalancing recommendations based on changes in cash holdings or detected large outflows.

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