Financial Connections

Connect bank accounts.
Verify in seconds.

Let customers securely link their bank account in seconds — verify ownership, pull balances for lending and KYC, and enable instant ACH, SEPA, and direct-debit payments without the usual 3-day wait.

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12,000+
Banks supported
~9s
Median link time
OAuth
Bank-grade auth
12,000+
Banks across US, EU, UK
9s
Average linking time
-72%
Drop in transfer fraud
3 days
Eliminated wait for ACH
Permissioned bank data

Bank data, safely shared

Open Banking and OAuth-style direct connections to 12,000+ banks. Customers stay in control. You get the data you need to verify, lend, and debit confidently.

Account ownership verify

Confirm the account belongs to the customer in seconds — eliminate the most common type of transfer fraud.

Real-time balances

Pull live balance data — essential for responsible lending, BNPL decisions, and customer risk reviews.

Instant ACH / SEPA

Verified bank accounts bypass the 3-day ACH confirmation window — debit immediately, with confidence.

12,000+ banks

Coverage for major banks in the US, Europe, UK, and Canada — with more added every month.

Consent-first

The customer sees exactly what data you're requesting and can revoke consent any time, with full audit trail.

Secure by design

OAuth-based bank connections. Credentials never touch your servers. SOC 2 Type II audited.

Drop-in flow

Embed the bank link in 10 lines of code

Our connection widget handles every bank's specific UX — credential entry, MFA, account picker, consent screen — so you don't have to. Embed it in any web or mobile app and get a token back when the user finishes.

View the SDK
Bank link
9 second flow

From "connect bank" to verified data

A typical bank link takes under 9 seconds end-to-end. No copy-pasted account numbers, no test deposits.

01
Customer taps Connect

Widget opens with a list of supported banks plus a search.

02
Bank login

They sign in to their bank in a sandboxed OAuth flow.

03
Account picker

They choose which accounts to share with you, and confirm.

04
Token returned

You receive a token to read balances, transactions, or run debits.

What you can do

Use cases for connected accounts

One link unlocks four product surfaces.

Verify a customer's identity & ownership

Pull the legal name and address from the bank — already verified by their KYC process — and match it against your form data instantly. Eliminates synthetic identities at signup.

Make better lending decisions

Read 24 months of cashflow history to underwrite loans, BNPL plans, or rent-to-own programmes. Categorised transactions and income streams included.

Move money via ACH / SEPA

Pre-authorised debits straight from a verified account, with no need for micro-deposits or 3-day waits. Combine with our Payouts product for two-way money movement.

Ready to see MondialPay in action?

Our solutions team will walk you through a live demo tailored to your business — pricing, technical fit, and rollout plan included.

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FAQ

Common questions

Which banks are supported?
12,000+ across the US, Canada, UK, and most of Europe. The list updates monthly. Coverage in Latin America and Asia-Pacific is expanding throughout 2026.
Do you store bank credentials?
Never. Connections use OAuth or bank-issued credentials that flow directly between the customer and the bank. We hold only the access token your customer authorised — and it expires.
Is this Plaid-compatible?
Our API surface is similar to Plaid's, so most teams can migrate in a few days. We provide a side-by-side comparison and a migration utility for existing tokens.