Bank Data Sharing v2.1
The Open Finance Banking Data Sharing capabilities enable secure, consent-driven access to customer banking data. These services empower licensed third-party providers (TPPs) to deliver account aggregation, financial management tools, lending assessments, and value-added digital services.
All data access operates under explicit customer consent, with granular permission scopes, strict expiry controls, and full auditability.
Required role: BDSP
Access to the Bank Data Sharing APIs requires the BDSP (Bank Data Sharing Provider) role. This role must be assigned to your application in the Trust Framework before making any account information requests. See Roles for the full list of scopes and grant types this role permits.
Endpoint & account type coverage
Not all endpoints are available for every account subtype, and not all account subtypes are available for every account type. The tables below show what is supported.
Account subtypes by account type
AccountSubType | Retail | SME | Corporate |
|---|---|---|---|
CurrentAccount | ✓ | ✓ | ✓ |
Savings | ✓ | ✓ | ✓ |
CreditCard | ✓ | — | — |
Finance | ✓ | — | — |
Mortgage | ✓ | — | — |
Endpoints by account subtype
| Endpoint | CurrentAccount | Savings | CreditCard | Finance | Mortgage |
|---|---|---|---|---|---|
GET /accounts | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId} | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/balances | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/statements | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/product | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /parties | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/parties | ✓ | ✓ | ✓ | ✓ | ✓ |
GET /accounts/{AccountId}/beneficiaries | ✓ | ✓ | — | — | — |
GET /accounts/{AccountId}/direct-debits | ✓ | ✓ | — | — | — |
GET /accounts/{AccountId}/scheduled-payments | ✓ | ✓ | — | — | — |
GET /accounts/{AccountId}/standing-orders | ✓ | ✓ | — | — | — |
Capabilities
Account & Balance Information
Provides consented access to core account data, including account identifiers, account types, currency, and status.
Enables retrieval of real-time and available balances, overdraft limits, and related account details.
Historical Transaction & Statement Data
Provides access to transaction and statement history, including debit and credit entries, references, amounts, running balances, booking and value dates, and associated metadata where available.
Supports filtering by consented date ranges and statement periods.
Party & Account Holder Information
Allows access to verified account holder details, including name, Emirates ID (where permitted), contact information, and KYC verification status.
Data sharing is subject to explicit consent scope and regulatory data minimisation principles.
Regular Payments
Provides access to configured payment instructions and beneficiaries, including:
- Beneficiary details
- Standing orders
- Direct debits
- Scheduled and recurring payments
Enables visibility into existing payment commitments and setup information.
Product Information
Provides structured information on banking products associated with the account, including fees, charges, rewards, benefits, eligibility criteria, and key product features.
Supports transparency and comparison of product terms under customer consent.