OpenBanking service that offers API?

Developers
1

(appreciate this is not specific to Monzo but I figured developers probs hang out here)

One of the things I thought open banking would bring would be to allow consumers to tap into their own banking data across all accounts/financial institutions, but it seems you need to go through a third party instead - which seems wrong to me as, as we know with MoneyDashboard et al. - the rug can be pulled at any moment as they go bust or change business models.

Does anyone know of a service that

  1. Aggregates all accounts from all banks who support OB
  2. Offers this as an API for you to ingest
  3. Doesn’t sell your data for marketing?
2

It’s been a while so I don’t know if it’s still possible but I was using Truelayer’s free testing account in the past to grab numbers from various accounts.

3

I use gocardless in combination with Actual

Although you could just use gocardless directly without the use of Actual.

https://bankaccountdata.gocardless.com/overview/

4

Stripe have entered this space. US only for now in public beta, but I’m involved in a beta for OB initiated payments in the UK, so except the rest to follow.

5

I’m shifting from moneydashboard - and it looks like moneyhub enables me to download transactions for all my linked accounts - but their API is only available to business customers :frowning:

So I’d still have to manually grab the transactions - but at least in one place. Its frustrating seeing the data in the monzo app but no ability to export or read with the API