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GoCardless Bank Account Data

gocardless.com

Free plan WebAPI
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Spec score 8.2 #7 of 71 in Bank Connectivity Software

What it is

GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.

Spec sheet

Purpose
Bank Account Data API connects users’ bank accounts and provides account information from bank PSD2 APIs.Read 8 Oct 2026 · docs.gocardless.com
Product
Bank Account Data API connects to users’ bank accounts through bank PSD2 APIs and returns account information in JSON.Read 9 Oct 2026 · docs.gocardless.com
Security
GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit.Read 9 Oct 2026 · gocardless.com
Support
The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT.Read 9 Oct 2026 · bankaccountdata.zendesk.com
Headquarters
London, United KingdomRead 28 Sep 2026 · gocardless.com
Founded
2011Read 28 Sep 2026 · gocardless.com
API access
API access requires a Bank Account Data portal user secret, which is used to create authentication tokens for API requests.Read 9 Oct 2026 · docs.gocardless.com
API integration
Developers can integrate using the Bank Account Data API, which returns responses in JSON and requires an authorization token for requests.Read 8 Oct 2026 · docs.gocardless.com
Available data
The API provides account holder and account details, transaction information, and current and available balances.Read 8 Oct 2026 · docs.gocardless.com
Company headquarters
GoCardless Ltd lists its address as Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom.Read 9 Oct 2026 · gocardless.com
Company scale
GoCardless says its services are used by more than 100,000 businesses, from small businesses to enterprises, globally.Read 9 Oct 2026 · gocardless.com
Consent
End users authorize data sharing through their bank, and GoCardless describes open banking as user consent driven.Read 8 Oct 2026 · gocardless.com
Consent flow
End users select a supported financial institution, accept a GoCardless-hosted consent screen, and authenticate through the institution’s interface.Read 9 Oct 2026 · docs.gocardless.com
Coverage
The solution is available in European Economic Area countries subject to PSD2, where GoCardless says it operates as an authorised AISP.Read 9 Oct 2026 · docs.gocardless.com
Credential handling
The documentation says GoCardless does not store or process end-user credentials when a financial institution relies on GoCardless to collect them.Read 9 Oct 2026 · docs.gocardless.com
Data returned
The API can provide account holder names and account identifiers, current and available balances, and transaction dates, counterparties, descriptions, and amounts.Read 9 Oct 2026 · docs.gocardless.com
Developer tools
GoCardless provides a quickstart guide and instructions for importing the API schema into Postman.Read 8 Oct 2026 · docs.gocardless.com
History and access
The Account Information solution can access up to 24 months of transaction history and up to 90 days of continuous account access.Read 9 Oct 2026 · docs.gocardless.com
Rate limits
Banks may impose rate limits as low as four API calls per day for each account, with separate limits for account details, balances, and transactions.Read 9 Oct 2026 · docs.gocardless.com
Regulatory status
GoCardless says it is authorised by the UK Financial Conduct Authority under the Payment Services Regulations 2017.Read 9 Oct 2026 · gocardless.com
Verification limit
Account verification is offered only to paying customers; new accounts have non-verified status.Read 9 Oct 2026 · docs.gocardless.com
Who it serves
GoCardless says businesses can use its open banking network to access financial data such as account information and transaction history.Read 8 Oct 2026 · gocardless.com

Plans and prices

Standard Free Read 24 Oct 2026 · gocardless.com
Advanced Free Read 24 Oct 2026 · gocardless.com
Pro Free Read 24 Oct 2026 · gocardless.com
Custom Priced on request Read 24 Oct 2026 · gocardless.com

Every GoCardless Bank Account Data plan and price →

Strong points and limits

Strong points

  • Returns account details, transactions and balances
  • Provides up to 24 months of transaction history
  • On-demand refresh and JSON responses
  • Quickstart guide and Postman schema instructions
  • End users authorize sharing through their bank

Limits

  • Availability is limited to qualifying EEA countries
  • Banks may limit requests to four calls daily
  • Account verification is for paying customers only
  • Pricing is on request

Who it suits

It suits businesses that need consent-based access to bank account identity, balances and transaction history. Developers can use the API and its JSON responses to integrate that data into their services.

Verdict

GoCardless Bank Account Data supplies a broad set of account and transaction fields, with on-demand retrieval and a documented API. Buyers should account for regional availability, bank-level request limits and the paid-only verification option.

Where Specifiction places it

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