Bank Account Data

Instant access to income and transaction history data

Overview

Metamap's Bank Account Data provides instant access (with user consent) to bank account data such as raw transaction history (3 to 12 months), balance, account, and identity information & enriched data (transaction categorisation and income verification)

User's bank account data returned in the Dashbard.User's bank account data returned in the Dashbard.

User's bank account data returned in the Dashbard.

Availability

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

  • Check our list of supported institutions for more information.
  • This can be integrated through our (1) mobile & web SDKs and through (2) direct link.

Features

  • Instant access to bank account financial data

    Users can login using their bank account credentials to securely and accurately share all of their financial data stored within their account instead of filling out long forms.

  • Access to structured bank account data

    With our Bank Account Data merit, once your users provide bank account credentials or financial documents, 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.

  • Enriched transaction data

    By analysing the transaction history data (3 to 12 months) we are able to categorise each transaction (into 60+ categories), understand income sources, track spending patterns over months and more.

  • 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.

How it works

As a first step, users are provided with a variety of methods where they can share access to 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, and enable the countries that you want to support.

Dashboard: Add the Bank Account merit to your metamap.Dashboard: Add the Bank Account merit to your metamap.

Dashboard: Add the Bank Account merit to your metamap.

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.

Here's what your users will see if you use Metamap's prebuilt UX:

Animated GIF of user flow on a mobile interface.Animated GIF of user flow on a mobile interface.

Animated GIF of user flow on a mobile interface.

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.

{
"flowId": "61654d7549baf62d79e6f632",
  "accounts": [
    {
      "name": "Savings Account",
      "type": "CASA",
      "number": "SA111111 ",
      "currency": "MXN",
      "transactions": [
        {
          "date": "2021-08-19T00:00:00.000000",
          "amount": "1000.00",
          "description": " Deposit"
        },
        {
          "date": "2021-08-03T00:00:00.000000",
          "amount": "1500.00",
          "description": "Withdrawal"
        },
        {
          "date": "2021-08-02T00:00:00.000000",
          "amount": "1500.00",
          "description": "Withdrawal"
        },
        {
          "date": "2021-08-01T00:00:00.000000",
          "amount": "12000.00",
          "description": "Deposit"
        }
      ],
      "current_balance": "10000.00",
      "available_balance": "10000.00"
    },
    {
      "name": "Chequing Account",
      "type": "CASA",
      "number": "CA111111",
      "currency": "MXN",
      "transactions": [
        {
          "date": "2021-08-19T00:00:00.000000",
          "amount": "2500.00",
          "description": "Grocery Purchase"
        },
        {
          "date": "2021-08-19T00:00:00.0000 00",
          "amount": "3200.00",
          "description": "Gasoline"
        }
      ],
      "current_balance": "15000.00",
      "available_balance": "15000.0 0"
    }
  ],
  "identity": {
    "name": "David Applewood",
    "email": "[email protected]",
    "phone": "91111593"
  },
  "eventName": "financial_institution_scrape_data_received",
  "timestamp": "2021-10-21T12:51:16.522Z",
  "institution": {
    "id": "banamex_mx",
    "name": "Banamex",
    "type": "Bank"
  },
  "verificationId": "617161d95f83df001bcfade6"
}

Reference

Available Data Types

Available Data

Description

Example

Transactions

Individual debit and credit items

$2307.21 spent at the Apple Store in San Francisco California

Balance

Current amount within an account

$10030.02 is in Salma's Chequing account

Account

Individual account information within a financial institution

Salma's Chequing account at Bank of America with IBAN of X and Swift Code of Y

Identity

Personal information

Salma Hayek has an email of [email protected] and is located in Mexico

Supported Institutions

The available data per institution is indicated with green dots ():

Institution Name

Country

Data

Banamex

Mexico

Identity
Accounts and Balances
Transactions

BanCoppel

Mexico

Identity
Accounts and Balances
Transactions

Banregio

Mexico

Identity
Accounts and Balances
Transactions

BBVA

Mexico

Identity
Accounts and Balances
Transactions

HSBC

Mexico

Identity
Accounts and Balances
Transactions

Hey Banco

Mexico

Identity
Accounts and Balances
Transactions

Santander

Mexico

Identity
Accounts and Balances
Transactions

Scotiabank

Mexico

Identity
Accounts and Balances
Transactions

Av Villas

Colombia

Identity
Accounts and Balances
Transactions

Banco Caja Social

Colombia

Identity
Accounts and Balances
Transactions

Banco de Bogotá

Colombia

Identity
Accounts and Balances
Transactions

Banco de Occidente

Colombia

Identity
Accounts and Balances
Transactions

Banco Popular

Colombia

Identity
Accounts and Balances
Transactions

Banco Falabella

Colombia

Identity
Accounts and Balances
Transactions

BBVA

Colombia

Identity
Accounts and Balances
Transactions

Scotiabank Colpatria

Colombia

Identity
Accounts and Balances
Transactions

Banco Bradesco

Brazil

Identity
Accounts and Balances
Transactions

Banco Cooperativo Sicredi

Brazil

Identity
Accounts and Balances
Transactions

Banco Inter

Brazil

Identity
Accounts and Balances
Transactions

Banco de Brazil

Brazil

Identity
Accounts and Balances
Transactions

Caixa Economica Federal

Brazil

Identity
Accounts and Balances
Transactions

Itau Unibanco

Brazil

Identity
Accounts and Balances
Transactions

Nubank

Brazil

Identity
Accounts and Balances
Transactions

Santander

Brazil

Identity
Accounts and Balances
Transactions

Banco Cooperativo Sicredi

Brazil

Identity
Accounts and Balances
Transactions

Banco Provincia

Argentina

Identity
Accounts and Balances
Transactions

Banco Supervielle

Argentina

Identity
Accounts and Balances
Transactions

BBVA

Argentina

Identity
Accounts and Balances
Transactions

Grupo Financiero Galicia

Argentina

Identity
Accounts and Balances
Transactions

ICBC

Argentina

Identity
Accounts and Balances
Transactions

Santander

Argentina

Identity
Accounts and Balances
Transactions

Banco de Chile

Chile

Identity
Accounts and Balances
Transactions

Banco Estado de Chile

Chile

Identity
Accounts and Balances
Transactions

Interbank

Peru

Identity
Accounts and Balances
Transactions

Scotiabank

Peru

Identity
Accounts and Balances
Transactions

BBVA

Peru

Identity
Accounts and Balances
Transactions

Access Bank

Nigeria

Identity
Accounts and Balances
Transactions

Ecobank

Nigeria

Identity
Accounts and Balances
Transactions

First Bank - Beta

Nigeria

Identity
Accounts and Balances
Transactions

United Bank - Beta

Nigeria

Identity
Accounts and Balances
Transactions

Bank of the Philippine Islands

Philippines

Identity
Accounts and Balances
Transactions

Philippine National Bank

Philippines

Identity
Accounts and Balances
Transactions

Land Bank of the Philippines - Beta

Philippines

Identity
Accounts and Balances
Transactions

Metropolitan Bank - Beta

Philippines

Identity
Accounts and Balances
Transactions

Banco de Oro - Beta

Philippines

Identity
Accounts and Balances
Transactions

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