Bank Ident
Identity verification through secure online banking login. 3,000+ connections to banks and financial institutions across 19 European countries — instant, document-free, and fully PSD2-compliant.
Europe's Largest Open Banking Coverage
Bank Ident connects to over 3,000 banks and financial institutions across 19 countries. Users verify their identity simply by logging into their online banking — no documents, no selfies, no waiting. Through secure PSD2 open banking APIs, we access verified identity data directly from the bank, delivering the highest trust level with the simplest user experience.
- 3,000+ direct bank connections across 19 European countries
- No document upload or biometrics required — just a bank login
- Verified name, address, date of birth, and IBAN in real time
- PSD2/XS2A compliant with bank-grade encryption
- Support for both consumer and business accounts
Connected Across 19 European Markets
Our open banking infrastructure provides direct connections to over 3,000 banks and financial institutions. From major universal banks to regional savings banks and credit unions — we cover the institutions your customers actually use.
Pays couverts
Account Information (AIS)
Access verified identity data, account details, balances, and transaction history through secure PSD2 connections.
Payment Initiation (PIS)
Initiate instant account-to-account payments directly from customer bank accounts with strong customer authentication.
Identity Verification
Retrieve bank-verified name, address, date of birth, and nationality — no documents needed.
IBAN & Account Matching
Verify IBANs and match account holder names to prevent fraud and misdirected payments.
Transaction Enrichment
Categorized transaction data with merchant identification for credit scoring and affordability checks.
Recurring Payments (VRP)
Variable recurring payment mandates for subscriptions, instalments, and flexible collections.
Tout ce dont vous avez besoin
Des fonctionnalités puissantes conçues pour des performances et une conformité de niveau entreprise
Account Information Services (AIS)
Access verified identity data, account details, and transaction history through secure PSD2 AIS connections.
Payment Initiation (PIS)
Initiate account-to-account payments directly from user bank accounts. Perfect for penny-drop verification and instant transfers.
Variable Recurring Payments
Set up flexible recurring payment mandates with variable amounts. Ideal for subscriptions, instalments, and regular collections.
Identity Verification
Retrieve verified name, address, and date of birth directly from the bank. No documents needed — the bank has already done the KYC.
IBAN Verification
Verify and collect IBANs with account holder name matching. Prevent fraud and ensure payments reach the right person.
Transaction Data & Enrichment
Access categorized transaction data for credit scoring, affordability checks, and income verification with real-time enrichment.
Balance Checks
Real-time balance verification for affordability assessments, lending decisions, and payment risk scoring.
Bulk Payments
Process high-volume batch payments efficiently. Perfect for payroll, supplier payments, and mass disbursements.
Multi-Bank Aggregation
Aggregate data from multiple bank accounts in one flow. Get a complete financial picture of your customer.
Cas d'usage
Découvrez comment les entreprises utilisent Bank Ident en production
Account Information Services (AIS)
Access verified identity data, account details, and transaction history through secure PSD2 AIS connections.
Payment Initiation (PIS)
Initiate account-to-account payments directly from user bank accounts. Perfect for penny-drop verification and instant transfers.
Identity Verification
Retrieve verified name, address, and date of birth directly from the bank. No documents needed — the bank has already done the KYC.
Build a Complete Workflow
Combine Bank Ident with complementary modules to improve conversion, trust, and automation.
Frequently Asked Questions
Answers to the most common implementation and compliance questions about Bank Ident.
How quickly can we integrate Bank Ident?
Most teams launch Bank Ident in days, not months, using our hosted flows or API-first integration.
Which compliance requirements does Bank Ident support?
Bank Ident is designed for regulated Open Banking use cases with full auditability and EU data protection standards.
How does Bank Ident help reduce fraud risk?
Bank Ident combines multiple verification signals, risk controls, and evidence logs to stop abuse while keeping conversion high.
Can Bank Ident scale for enterprise volumes?
Bank Ident is built for high-throughput workloads with resilient infrastructure, SLA-backed uptime, and flexible deployment options.
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