Bank Account Data

Instant access to income and transaction history data

Overview

MetaMap's Bank Account Data provides instant access to bank account data such as raw transaction history (3 to 12 months), balance, account, and identity information & enriched data (transaction categorization and income verification).

Users can submit their banking information in one of two ways:

  • Using their bank account login credentials (with the user's permission)
  • Uploading bank statements downloaded from their bank
User's bank account data returned in the DashboardUser's bank account data returned in the Dashboard

User's bank account data returned in the Dashboard

Availability

We currently support the most popular and top banks and financial institutions across Latin America, Africa and South East Asia.

Features

The following features apply to both user login and user bank statements.

  • Access to Structured Bank Account Data

    Users can login using their bank account credentials or upload bank statements to securely and accurately share their financial data instead of filling out long forms. MetaMap sends you their financial information in a consistent and easily digestible data format. The data will be returned in a single call and will cover data such as: Identity, Accounts, Transactions, and Balance.

  • Financial Profiling

    Our advanced categorization and insights service allows lenders to verify income and derive key attributes such as average balance, previous loans for underwriting, and spending habits

  • Identity Verification

    With the account information verified by the financial institution the name, phone number, and email can be compared with other MetaMap or external sources to verify that your user is who they say they are.

Bank Statement-Specific Features

The following features are specific to users who upload their bank statements.

  • Fraud Detection

    Prevent fraudulent documents from being submitted through multiple checks including: document alterations, file type, and file size

  • Real-Time Response

    We can extract information from multiple bank statements is less than a minute

  • Supports Retail and Business Accounts

    We can extract information from both retail and business banking accounts, depending on the individual banking institution's policies.
    Go here for a full list of banks that support retail and business accounts.

Key metrics

  • Response in <20s
  • Opt-in rate >70%
  • Largest financial institution coverage in LATAM

User Flow

📘

User have two ways to submit bank account data

  • Providing their bank login credentials
  • Uploading bank statements downloaded from their bank

The following GIF shows a user flow using their bank login using MetaMap's prebuilt UX:

The following GIF shows a user flow using bank statement uploads using MetaMap's prebuilt UX:

How it works

As a first step, users are provided with a variety of methods to share their financial data. They are provided with explanations relating to how their data will be accessed and used. With their consent, this data is then parsed, extracted and enriched and returned in a variety of formats.

Setup

There are 3 main steps to set up the Bank Account Data merit:

  1. Setup your metamap on the dashboard
  2. Use our quick start integration steps
  3. Review the verification results

Step 1: Setup a Metamap

The first step to setting up a Bank Account Data merit is to create a new metamap in the Dashboard. Once you've created a new metamap, add the Bank Account Data product to the user flow, select whether users submit their bank account login or bank statements, and enable the countries that you want to support

Step 2: Integrate

Currently you can use MetaMap's Bank Account Data in two ways:

  1. MetaMap Button — Integrate our MetaMap Button SDK into your application to use our prebuilt UX
  2. Direct Link — Receive a URL link that you can send to your users

Integrate our MetaMap Button via SDK

Use our SDK integration if you want to use MetaMap's verification tools but design your own experience for your users.

To implement this:
  1. Setup the metamap for Bank Account Data in the dashboard
  2. Install and implement an SDK framework

Integrate via Direct Link

If you are not a developer, or you don't have the resources to integrate at this time, you can start using the product in minutes without any code with our Direct Link.

To implement this:
  1. Set up the metamap for Bank Account Data in the dashboard
  2. Get the Direct Link
  3. Send the Direct Link to your users

Step 3: Process verification results

There are two main ways to visualize and use the data

  • Dashboard Verification Results

    In the dashboard, visit the Verifications tab, and click on a Verification to review the results.

  • Webhook verification results

    You will need to configure your webhooks, then handle the webhook responses that will be sent to your webhook URL.
    The following webhook ID corresponds to the Bank Account Data merit:
    financial-information-validation

Reference

Available Data Types

Available DataDescriptionExample
TransactionsIndividual debit and credit items$2307.21 spent at the Apple Store in San Francisco California
BalanceCurrent amount within an account$10030.02 is in Salma's checking account
AccountIndividual account information within a financial institutionSalma's checking account at Bank of America with IBAN of X and Swift Code of Y
IdentityPersonal informationSalma Hayek has an email of [email protected] and is located in Mexico

Supported Institutions

Data input availability is indicated with a green dot().

The yellow dot () indicates availability in the next month.

Institution Name

Country

Input Method

Afirme

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

BanBajio

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Banco Azteca

Mexico

User Credentials
Bank Statements

  • Retail

BanCoppel

Mexico

User Credentials
Bank Statements

  • Retail

Banregio

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Banorte

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

BBVA Bancomer

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Ctitbanamex

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

HSBC

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Hey Banco

Mexico

User Credentials
Bank Statements

  • Retail

Inbursa

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Santander

Mexico

User Credentials
Bank Statements

  • Retail
  • Business

Scotiabank

Mexico

User Credentials
Bank Statements

  • Retail

Spin by Oxxo

Mexico

User Credentials
Bank Statements

  • Retail

Av Villas

Colombia

User Credentials
Bank Statements

  • Retail

Banco Caja Social

Colombia

User Credentials
Bank Statements

  • Retail

Banco de Bogotá

Colombia

User Credentials
Bank Statements

Bancolombia

Colombia

User Credentials
Bank Statements

  • Retail

Banco de Occidente

Colombia

User Credentials
Bank Statements

Banco Popular

Colombia

User Credentials
Bank Statements

Banco Falabella

Colombia

User Credentials
Bank Statements

BBVA

Colombia

User Credentials
Bank Statements

Daviplata

Colombia

User Credentials
Bank Statements

  • Retail

Davivienda

Colombia

User Credentials
Bank Statements

  • Retail

Nequi

Colombia

User Credentials
Bank Statements

  • Retail

Scotiabank Colpatria

Colombia

User Credentials
Bank Statements

  • Retail

Banco Bradesco

Brazil

User Credentials
Bank Statements

  • Retail
  • Business

Banco Cooperativo Sicredi

Brazil

User Credentials
Bank Statements

  • Retail
  • Business

Banco Inter

Brazil

User Credentials
Bank Statements

  • Retail

Banco de Brazil

Brazil

User Credentials
Bank Statements

C6 Bank

Brazil

User Credentials
Bank Statements

  • Retail

Caixa Economica Federal

Brazil

User Credentials
Bank Statements

  • Retail
  • Business

Itaú Unibanco

Brazil

User Credentials
Bank Statements

  • Retail
  • Business

Nubank

Brazil

User Credentials
Bank Statements

  • Retail
  • Business

Santander

Brazil

User Credentials
Bank Statements

Banco Provincia

Argentina

User Credentials
Bank Statements

Banco Supervielle

Argentina

User Credentials
Bank Statements

BBVA

Argentina

User Credentials
Bank Statements

Grupo Financiero Galicia

Argentina

User Credentials
Bank Statements

ICBC

Argentina

User Credentials
Bank Statements

Santander

Argentina

User Credentials
Bank Statements

Banco de Chile

Chile

User Credentials
Bank Statements

Banco Estado de Chile

Chile

User Credentials
Bank Statements

Interbank

Peru

User Credentials
Bank Statements

  • Retail

Scotiabank

Peru

User Credentials
Bank Statements

BBVA

Peru

User Credentials
Bank Statements

  • Retail

BancoDeCredito Peru

Peru

User Credentials
Bank Statements

Access Bank

Nigeria

User Credentials
Bank Statements

Ecobank

Nigeria

User Credentials
Bank Statements

United Bank of Africa

Nigeria

User Credentials
Bank Statements

Bank of the Philippine Islands

Philippines

User Credentials
Bank Statements

Philippine National Bank - Beta

Philippines

User Credentials
Bank Statements

Land Bank of the Philippines

Philippines

User Credentials
Bank Statements

Metropolitan Bank - Beta

Philippines

User Credentials
Bank Statements


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