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GoCardless Bank Account Data

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What GoCardless Bank Account Data is

GoCardless Bank Account Data is an API for connecting to users’ bank accounts through bank PSD2 APIs and returning account information in JSON. Businesses can request account holder names, account numbers and IBANs, transaction details, and current and available balances. Transaction records can include dates, counterparties, descriptions, and amounts. The service can access up to 24 months of transaction history, with up to 90 days of continuous account access; data refreshes on demand. To connect, an end user selects a supported financial institution, accepts a GoCardless-hosted consent screen, and authenticates through that institution. GoCardless says it does not store or process end-user credentials when a financial institution relies on GoCardless to collect them. Developers make requests with an authorization token created using a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Account Information is available in EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may limit requests to as few as four API calls per account per day. Account verification is available only to paying customers; new accounts are non-verified by default. Pricing is on request. GoCardless is headquartered in London and offers technical support through its support team.

Who it suits

This API suits businesses that need bank account identity, balances, or transaction data in a structured format. It is aimed at developers integrating account information into business services, particularly where users can authorize sharing through their bank.

What it does well

  • Returns account identifiers, balances, and transaction details in JSON.
  • Can access up to 24 months of transaction history.
  • End users authorize data sharing through their financial institution.
  • Includes a quickstart guide and Postman schema import instructions.
  • Data can be refreshed on demand.

What to know first

  • Pricing is available on request.
  • Account verification is limited to paying customers.
  • Banks may restrict requests to as few as four per account daily.

Limits

Access extends to up to 24 months of transaction history and up to 90 days of continuous account access. Banks may limit requests to as few as four API calls per account per day. New accounts are non-verified by default; verification is offered only to paying customers.

Plans

PlanBilled and limitsPrice
Standard—Free
Advanced—Free
Pro—Free
Custom—On request

As gocardless.com lists them, read 24 Oct 2026. The maker's own page has the final word.

Getting started

  1. Open the GoCardless open banking website.
  2. Create a Bank Account Data portal user secret.
  3. Use the secret to create an authentication token for API requests.
  4. Integrate with the API using its JSON responses and quickstart guide.
  5. Have end users select a supported institution, accept the hosted consent screen, and authenticate with that institution.

Verdict

Choose GoCardless Bank Account Data when a business needs bank account and transaction information through a consent-based API. Its on-demand JSON data and transaction history are useful for account information workflows. Look elsewhere if you need account verification without a paid customer account or request rates above a bank’s limit.

Questions

What does GoCardless Bank Account Data cost?

It is a paid service, with pricing available on request.

What information can the API return?

It can return account holder names, account numbers, IBANs, transactions, and current and available balances. Transaction details can include dates, counterparties, descriptions, and amounts.

How do users authorize access?

Users select a supported financial institution, accept a GoCardless-hosted consent screen, and authenticate through the institution.

Which platforms and response format are supported?

The listed platforms are API and web. API responses and statements are in JSON.

Where is Account Information available?

It is available in EEA countries subject to PSD2 where GoCardless says it operates as an authorized AISP.

Who makes GoCardless Bank Account Data?

GoCardless, founded in 2011 and headquartered in London, United Kingdom.

Facts from GoCardless Bank Account Data's own pages

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

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