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 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. For more detail about how MetaMap detects fraud go here.

  • 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.

    The following is a full list of banks that support retail and business accounts:

    Supported Institutions.

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

    To handle webhook responses that will be sent to your webhook URL, you will need to configure your webhooks.

    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 Q4:

Institution NameCountryInput Method
AfirmeMexico User Credentials
Bank Statements
  • Retail
  • Business
BanBajioMexico User Credentials
Bank Statements
  • Retail
  • Business
Banco AztecaMexico User Credentials
Bank Statements
  • Retail
  • Business
BanCoppelMexico User Credentials
Bank Statements
  • Retail
BanregioMexico User Credentials
Bank Statements
  • Retail
  • Business
BanorteMexico User Credentials
Bank Statements
  • Retail
  • Business
BBVA BancomerMexico User Credentials
Bank Statements
  • Retail
  • Business
CtitbanamexMexico User Credentials
Bank Statements
  • Retail
  • Business
HSBCMexico User Credentials
Bank Statements
  • Retail
  • Business
Hey BancoMexico User Credentials
Bank Statements
  • Retail
InbursaMexico User Credentials
Bank Statements
  • Retail
  • Business
SantanderMexico User Credentials
Bank Statements
  • Retail
  • Business
ScotiabankMexico User Credentials
Bank Statements
  • Retail
Spin by OxxoMexico User Credentials
Bank Statements
  • Retail
Av VillasColombia User Credentials
Bank Statements
  • Retail
Banco Caja SocialColombia User Credentials
Bank Statements
  • Retail
Banco de BogotáColombia User Credentials
Bank Statements
    BancolombiaColombia User Credentials
    Bank Statements
    • Retail
    Banco de OccidenteColombia User Credentials
    Bank Statements
    Banco PopularColombia User Credentials
    Bank Statements
    Banco FalabellaColombia User Credentials
    Bank Statements
    BBVAColombia User Credentials
    Bank Statements
    DaviplataColombia User Credentials
    Bank Statements
    • Retail
    DaviviendaColombia User Credentials
    Bank Statements
    • Retail
    NequiColombia User Credentials
    Bank Statements
    • Retail
    Scotiabank ColpatriaColombia User Credentials
    Bank Statements
    • Retail
    Banco BradescoBrazil User Credentials
    Bank Statements
    • Retail
    • Business
    Banco Cooperativo SicrediBrazil User Credentials
    Bank Statements
      Banco InterBrazil User Credentials
      Bank Statements
      • Retail
      Banco de BrazilBrazil User Credentials
      Bank Statements
      • Retail
      C6 BankBrazil User Credentials
      Bank Statements
      • Retail
      Caixa Economica FederalBrazil User Credentials
      Bank Statements
        CoraBrazil User Credentials
        Bank Statements
        • Retail
        • Business
        Itaú UnibancoBrazil User Credentials
        Bank Statements
        • Retail
        • Business
        NubankBrazil User Credentials
        Bank Statements
        • Retail
        • Business
        SantanderBrazil User Credentials
        Bank Statements
        • Retail
        Banco De La NacionArgentina User Credentials
        Bank Statements
        • Retail
        Banco ProvinciaArgentina User Credentials
        Bank Statements
        • Retail
        Banco SupervielleArgentina User Credentials
        Bank Statements
        BBVAArgentina User Credentials
        Bank Statements
        • Retail
        Grupo Financiero GaliciaArgentina User Credentials
        Bank Statements
        • Retail
        ICBCArgentina User Credentials
        Bank Statements
        SantanderArgentina User Credentials
        Bank Statements
        • Retail
        Banco de ChileChile User Credentials
        Bank Statements
        Banco Estado de ChileChile User Credentials
        Bank Statements
        InterbankPeru User Credentials
        Bank Statements
        • Retail
        ScotiabankPeru User Credentials
        Bank Statements
        BBVAPeru User Credentials
        Bank Statements
        • Retail
        BancoDeCredito PeruPeru User Credentials
        Bank Statements
        Access BankNigeria User Credentials
        Bank Statements
        • Retail
        EcobankNigeria User Credentials
        Bank Statements
        First Bank Nigeria User Credentials
        Bank Statements
        • Retail
        United Bank of AfricaNigeria User Credentials
        Bank Statements
        • Retail
        Zenith BankNigeria User Credentials
        Bank Statements
        • Retail
        Bank of the Philippine IslandsPhilippines User Credentials
        Bank Statements
        Philippine National Bank - BetaPhilippines User Credentials
        Bank Statements
        Land Bank of the PhilippinesPhilippines User Credentials
        Bank Statements
        Metropolitan Bank - BetaPhilippines User Credentials
        Bank Statements

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