Banking API

Integrate Banking API’s into your product

Unlock the power of Open Banking and elevate your competitive edge with Fiskil’s Banking API.

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AGL logo
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Allow your users to securely link banking accounts and data to your product

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Verify

identity

account information

Retrieve names, phone numbers, addresses, emails and account details for individual and business accounts. This information can be used to pre-fill forms and complement KYC procedures.

Validate

real-time account

balances

Provide your users with a real-time view of their account balances. Allow them to view past and upcoming payments.

Access

liabilities

Retrieve liabilities data when you need it — for mortgages, business loans, credit cards, car loans and more. Use the details for the account type terms and payment timing to enable users to setup payments for their loans.

Leverage

transactions

Receive insightful categorised transactions so your users can categorically see how their money is being spent.

Endpoints

A suite of Banking APIs for your business needs

Accounts

Balances

Transactions

Payees

Scheduled Payments

account_number

bsb

deposit_rate

lending_rate

1{
2  "accounts": [
3    {
4      "fiskil_id": "bank_account_e25086631643ac4cf1f90fedb373f4160bfab63fb1c61a57dd11c956c5699889",
5      "institution_id": "3",
6      "account_id": "8YTuFP2323jWOMveMg8rrLqOag",
7      "arrangement_id": "fe48227066-1ae8-449b-a4fc-e9d57801b8d3",
8      "account_number": "987761209",
9      "account_ownership": "",
10      "addresses": [
11        {
12          "address_u_type": "simple",
13          "simple": {
14            "address_line1": "42 Wallaby Way",
15            "city": "Sydney",
16            "postcode": "2000",
17            "state": "NSW"
18          }
19        }
20      ],
21      "bsb": "123456",
22      "creation_date": "2019-07-03",
23      "deposit_rate": "0.0",
24      "deposit_rates": [
25        {
26          "application_frequency": "P1M",
27          "calculation_frequency": "P1D",
28          "deposit_rate_type": "VARIABLE",
29          "rate": "0.0"
30        }
31      ],
32      "display_name": "Spending",
33      "features": [
34        {
35          "feature_type": "DIGITAL_BANKING",
36          "is_activated": true
37        },
38        {
39          "feature_type": "CARD_ACCESS",
40          "is_activated": true
41        },
42        {
43          "additional_info": "Pay with your Apple(TM) device using Apple Pay.",
44          "additional_info_uri": "https://bank.com.au",
45          "additional_value": "Apple Pay",
46          "feature_type": "DIGITAL_WALLET",
47          "is_activated": true
48        },
49        {
50          "additional_info": "Pay with your Android(TM) device using Google Pay.",
51          "additional_info_uri": "https://bank.com.au/",
52          "additional_value": "Google Pay",
53          "feature_type": "DIGITAL_WALLET",
54          "is_activated": true
55        },
56        {
57          "additional_info": "Pay with your Samsung(TM) device using Samsung Pay.",
58          "additional_info_uri": "https://bank.com.au",
59          "additional_value": "Samsung Pay",
60          "feature_type": "DIGITAL_WALLET",
61          "is_activated": true
62        },
63        {
64          "additional_info": "Pay with your Garmin(TM) device using Garmin Pay.",
65          "additional_info_uri": "https://bank.com.au/",
66          "additional_value": "Garmin Pay",
67          "feature_type": "DIGITAL_WALLET",
68          "is_activated": true
69        },
70        {
71          "additional_info": "Pay with your Fitbit(TM) device using Fitbit Pay.",
72          "additional_info_uri": "https://bank.com.au/",
73          "additional_value": "Fitbit Pay",
74          "feature_type": "DIGITAL_WALLET",
75          "is_activated": true
76        },
77        {
78          "feature_type": "FRAUD_PROTECTION",
79          "is_activated": true
80        },
81        {
82          "additional_info": "Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications and weekly summary notifications.",
83          "feature_type": "NOTIFICATIONS",
84          "is_activated": true
85        },
86        {
87          "additional_value": "Yes",
88          "feature_type": "NPP_ENABLED",
89          "is_activated": true
90        },
91        {
92          "additional_info_uri": "https://bank.com.au/",
93          "additional_value": "Yes",
94          "feature_type": "NPP_PAYID",
95          "is_activated": true
96        },
97        {
98          "feature_type": "UNLIMITED_TXNS",
99          "is_activated": true
100        },
101        {
102          "additional_info": "No monthly service fee.",
103          "feature_type": "OTHER",
104          "is_activated": true
105        },
106        {
107          "additional_info": "No fees for direct debits.",
108          "feature_type": "OTHER",
109          "is_activated": true
110        },
111        {
112          "additional_info": "No fees for online payments.",
113          "feature_type": "OTHER",
114          "is_activated": true
115        },
116        {
117          "additional_info": "No fees for deposits to savers.",
118          "feature_type": "OTHER",
119          "is_activated": true
120        },
121        {
122          "additional_info": "No fees for domestic ATM withdrawals or enquiries.",
123          "feature_type": "OTHER",
124          "is_activated": true
125        },
126        {
127          "additional_info": "No fees on international transactions.",
128          "feature_type": "OTHER",
129          "is_activated": true
130        },
131        {
132          "additional_info": "No fees for overseas ATM withdrawals.",
133          "feature_type": "OTHER",
134          "is_activated": true
135        },
136        {
137          "additional_info": "Configure which types of transaction are enabled on the linked debit card.",
138          "feature_type": "OTHER",
139          "is_activated": true
140        }
141      ],
142      "is_owned": true,
143      "lending_rate": "0.0",
144      "lending_rates": [
145        {
146          "additional_info": "The interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account half yearly for the Up Everyday Account, until the overdrawn amount is repaid.",
147          "additional_info_uri": "https://bank.com.au/",
148          "application_frequency": "P6M",
149          "calculation_frequency": "P1D",
150          "lending_rate_type": "VARIABLE",
151          "rate": "0.1123"
152        }
153      ],
154      "masked_number": "xxx-xxx xxxxx1821",
155      "open_status": "OPEN",
156      "product_category": "TRANS_AND_SAVINGS_ACCOUNTS",
157      "product_name": "Everyday Account"
158    }
159  ],
160  "links": {}
161}

How it works

Create a seamless user experience

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Benefits

Why work with Fiskil

Customised integration

Define your customer’s experience. Easily customise all consent flows to speak your brand language.

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Save on time and project spend

Increase your speed to market and keep your technology team focused on your core business with our off the shelf solution.

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Robust support

Our team are experts in Open Data; it's our bread and butter. From compliance to API integration, we’ve got the answers to your questions

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Your backend pipes

You focus on innovating, we’ll handle the backend complexities. We’re built to scale and operate with a 99.99% uptime.

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"Partnering with Fiskil on our open data needs has been a game-changer for us in delivering and maintaining our data holder solution."

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Fahad Liaqat at Pacific Blue

Executive Manager Operations and New Markets

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