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Token.io Data

token.io

WebAPI
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Spec score 6.8 #45 of 71 in Bank Connectivity Software

What it is

Token.io Data is an Account Information Service that lets a customer share bank-account information with a third party after explicit consent. Its API covers account details, balances, standing orders, and transactions. Documented uses include creditworthiness assessment, account-ownership verification, autofill, personal financial management, and balance display. Teams can use Token.io Hosted Pages or an API-only flow, with redirect, embedded, and decoupled authentication options. Data refresh is on demand, and connected banks can be filtered by country and supported features. Token.io states connectivity to over 567 million verified bank accounts in the UK and Europe across 21 countries. Token.io Limited is authorised by the UK FCA as an AISP and PISP; Token.io GmbH is authorised by BaFin as an AISP. The company lists ISO 27001:2013, PCI-DSS Level 1, PSD2, and Cyber Essentials credentials. Pricing is available on request.

Spec sheet

Product
Token.io Data lets users consent to share bank account balances, transactions, and/or account details with a third party.Read 8 Oct 2026 · docs.token.io
Support
Token.io's developer documentation directs users to [email protected] for feedback about the documentation.Read 8 Oct 2026 · docs.token.io
API authentication
Token.io production requires JWT authentication; its sandbox accepts JWT authentication or an API key.Read 8 Oct 2026 · docs.token.io
Authentication
Production API connections require JWT authentication; the Sandbox accepts JWT authentication or an API key.Read 4 Oct 2026 · docs.token.io
Authentication flows
The API-only integration documentation describes redirect, embedded, and decoupled authentication flows.Read 8 Oct 2026 · docs.token.io
Bank data limitation
Token.io notes that banks may omit transaction IDs or reuse the same ID for different transactions, and says banks are not obligated to provide transaction IDs.Read 8 Oct 2026 · support.token.io
Bank selection
TPPs can filter the connected-bank list by country and bank-supported features.Read 4 Oct 2026 · docs.token.io
Consent
Under Open Banking protocols, the customer must explicitly consent before a bank shares account data with a third party.Read 8 Oct 2026 · docs.token.io
Coverage
Token.io's homepage states connectivity to over 567 million verified bank accounts in the UK and Europe.Read 4 Oct 2026 · token.io
Data endpoints
The API provides endpoints for account information, balances, standing orders, and transactions.Read 4 Oct 2026 · docs.token.io
Data handling
Token.io says it passes on bank data and does not provide AIS data amendment, enrichment, or analysis.Read 8 Oct 2026 · support.token.io
Integration options
AIS can be integrated through Token.io Hosted Pages or an API-only integration in which the TPP owns the full user experience.Read 8 Oct 2026 · docs.token.io
Intended customers
Token.io describes its platform as a toolkit for financial service companies including payment gateways, banks, and acquirers.Read 4 Oct 2026 · support.token.io
Maker details
LinkedIn lists Token.io's headquarters as London, England, and its founding year as 2015.Read 4 Oct 2026 · linkedin.com
Markets
Token.io's homepage states it operates in 21 countries.Read 4 Oct 2026 · token.io
Rate limit
The legacy AIS documentation states a maximum of 1,000 API requests per minute for each TPP member.Read 4 Oct 2026 · developer.token.io
Regulation
Token.io says it is regulated as a TPP in the UK and Germany and provides services to other regulated parties as a technical service provider.Read 8 Oct 2026 · support.token.io
Security and compliance
Token.io states it is ISO 27001:2013 certified, PCI-DSS Level 1 compliant, PSD2 compliant, and Cyber Essentials Certified.Read 4 Oct 2026 · support.token.io
Security certifications
Token.io states it is ISO 27001:2013 certified, PCI-DSS Level 1 compliant, PSD2 compliant, and Cyber Essentials Certified.Read 8 Oct 2026 · support.token.io
Supported customers
Token.io describes its platform as a toolkit for financial service companies, including payment gateways, banks, and acquirers.Read 8 Oct 2026 · support.token.io
Use cases
The documentation lists creditworthiness assessment, account ownership verification, autofill, personal financial management, and balance display as example AIS use cases.Read 8 Oct 2026 · docs.token.io

Strong points and limits

Strong points

  • Account, balance, standing-order, and transaction endpoints
  • Hosted Pages and API-only options
  • Multiple authentication flow choices
  • Bank filtering by country and features
  • On-demand data refresh

Limits

  • Pricing is available on request
  • Banks may omit or reuse transaction IDs
  • Production API requires JWT authentication
  • Token.io passes data without enrichment

Who it suits

It is intended for financial service companies such as payment gateways, banks, and acquirers. Teams can choose hosted user screens or retain the experience through an API-only integration.

Verdict

Token.io Data provides consent-based account information access with hosted and API integration paths. Review bank-data limitations and authentication requirements alongside regulatory and security needs.

Where Specifiction places it

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