Token.io Data

Paid APIWeb

What Token.io Data is

Token.io Data is an Account Information Service that lets financial service companies request bank account details, balances, and transactions after a customer gives explicit consent. Its API also provides endpoints for standing orders. Documented uses include creditworthiness assessment, account ownership verification, autofill, personal financial management, and balance display. Token.io offers integration through Hosted Pages or an API-only flow in which the third-party provider manages the user experience. Authentication flows include redirect, embedded, and decoupled options, and data refresh is on demand.

Third-party providers can filter connected banks by country and by bank-supported features. Token.io’s homepage states that the service connects to over 567 million verified bank accounts in the UK and Europe and operates in 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, with its licence passported to 27 other EEA countries. Token.io states that it is ISO 27001:2013 certified, PCI-DSS Level 1 compliant, PSD2 compliant, and Cyber Essentials Certified. Production API connections require JWT authentication; the Sandbox accepts JWT or an API key. Pricing is on request, and Token.io describes its toolkit as serving financial service companies such as payment gateways, banks, and acquirers.

Who it suits

Token.io Data is suited to financial service companies, including payment gateways, banks, and acquirers, that need customer-consented bank account data. It fits teams that want to integrate through Hosted Pages or manage the experience through an API-only flow.

What it does well

Endpoints cover account information, balances, standing orders, and transactions.
Hosted Pages and API-only integration options are available.
Authentication flows include redirect, embedded, and decoupled options.
Connected banks can be filtered by country and supported features.
Token.io states it holds several security and compliance certifications.

What to know first

Pricing is available on request.
Production API connections require JWT authentication.
Token.io passes on bank data without amendment, enrichment, or analysis.
Banks may omit transaction IDs or reuse IDs for different transactions.

Getting started

Contact Token.io for pricing.
Choose Hosted Pages or an API-only integration.
Select an authentication flow: redirect, embedded, or decoupled.
Use JWT authentication for production API connections; the Sandbox accepts JWT or an API key.
Filter the connected-bank list by country and bank-supported features.

Verdict

Choose Token.io Data if your financial service needs customer-consented access to bank balances, account details, transactions, or standing orders and can integrate through Hosted Pages or an API. Check the fit if you need Token.io to enrich or analyze bank data, or if your workflow depends on reliable unique transaction IDs.

Questions

What does Token.io Data provide?

It provides customer-consented bank account details, balances, standing orders, and transaction data through API endpoints.

How is Token.io Data priced?

Pricing is on request.

Which integration options are available?

Teams can use Token.io Hosted Pages or an API-only flow. Authentication flows include redirect, embedded, and decoupled.

What authentication does the API require?

Production API connections require JWT authentication. The Sandbox accepts JWT authentication or an API key.

Does Token.io enrich or analyze bank data?

No. Token.io says it passes on bank data and does not provide AIS data amendment, enrichment, or analysis.

What transaction ID limitations may apply?

Banks may omit transaction IDs or reuse the same ID for different transactions, and banks are not obligated to provide transaction IDs.

Facts from Token.io Data's own pages

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

Where Token.io Data stands on Freedom251

Bank Connectivity Software#53 of 71
Open Banking Payment Platforms#20 of 22