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Freedom251 › Blog › AI agents

How to Check Whether an AI Agent or Third-Party App Can Access Your Bank Account

By Freedom251 Team · · 10 min read

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To check whether an AI agent or another app can access your bank account, open your bank’s official app or website and look for a permissions or connected-apps list. Review the provider name, accounts, data and actions it can access, and authorization period; revoke anything you do not recognize or want. The exact menu and protections vary by bank and country, and a list may not show every kind of access.

What does it mean for an AI agent or app to have access to your bank account?

“Access” is not one universal permission. A connection might let an app read selected balances and transactions, request a payment, or—where a person has been granted a formal account authority—permit transactions or withdrawals. Do not infer what an app can do from its name, its AI features, or the fact that it appears in a connected-apps list. Check the permission your bank actually displays.

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The AI label does not change the account-control question. An AI product may use an integration or another provider to connect to a bank, but the available guidance does not establish that every AI agent connects to bank accounts or that there is a universal “AI agent access” screen. Look for the named product, integration, or provider in both your bank’s permissions area and the service’s own connected-account settings.

It also matters whether the service can only receive data or can initiate a financial action. Griffin’s UK Open Banking guide describes permissions and provider information for account connections, while Commonwealth Bank of Australia distinguishes app data feeds from formal third-party account authorities, which can include transactions. Those examples illustrate why the exact permission matters; they are not universal menu instructions or rules for every bank.

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How do I check which apps or providers are connected?

Start with the bank itself. Use its official app or type its website address yourself, then search account settings or the bank’s help pages for terms such as “connected apps,” “third-party access,” “Open Banking connections,” “data sharing,” “authorisations,” or “access and consent.” The label and location depend on the institution and country.

  1. Open a trusted bank channel. Use the bank’s official app or enter its web address directly. Do not follow an unexpected message link to review account security.
  2. Find the permissions area. Search the app’s settings and help pages for the terms above. If there is no clear path, contact the bank through a number or channel published on its official website or on your bank card.
  3. Inspect each provider rather than relying on its display name alone. Note the provider’s name and, where available, its identifying information, the accounts selected, the information it can access, any payment-initiation permission, and the authorization date or expiry.
  4. Identify the kind of access. Check whether the bank describes it as a data-sharing consent, a payment permission, or a formal account authority. These categories can have different consequences.
  5. Compare the bank record with the service’s own settings. Check the app’s connected-account or privacy controls for the same provider and account. A missing entry in one dashboard does not by itself prove that no information was shared.
  6. Decide whether to keep or revoke the authorization. If you do not recognize a provider, do not approve a new request to “verify” it. Use the bank’s own cancellation controls and contact the bank about activity you did not authorize.

For a consent-based Open Banking connection in the UK, the published standard calls for customers to be able to review provider information, permissions, and duration. See the Payment Systems Regulator’s Open Banking Standard report and Open Banking Limited’s FAQs. This is not a promise that every bank in every country uses the same screen or terminology.

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What should I check in a connected-app permission?

Read the details, not just the provider name. The fields exposed differ by bank, but the key questions are which provider received authorization, which accounts are in scope, what data or actions are permitted, and when the authorization ends or can be renewed.

  • Provider identity: Is this the service you recognize, or an integration or intermediary named by the service? If the name is unfamiliar, pause and verify it with the bank and the app through their official support channels.
  • Accounts selected: Does access apply to one account or several? Check whether the list includes a savings, joint, or other account you did not intend to connect.
  • Information and actions: Is the permission for viewing balances and transactions, requesting a payment, or another action? A data feed should not be treated as proof that the app can move money, and a payment permission should not be treated as read-only.
  • Duration and status: Look for an authorization date, end date, expiry, or renewal requirement. UK Open Banking’s published standard includes duration among the information customers should be able to review, but the exact display is institution-specific.
  • Connection type: Determine whether the bank records an explicit consent or a different form of access, such as an account authority. The distinction can affect what the provider or authorized person can do.

If the bank’s description is too broad or unclear to tell whether a connection can request payments, ask the bank before keeping it. Do not assume that a provider is bank-approved simply because it appears in a service’s setup flow; approval and availability depend on the institution and jurisdiction.

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How are consent-based connections different from sharing your bank password?

In a consent-based connection, you are generally sent to the bank to authenticate and approve a specific permission. The third party should not receive your bank password in that flow. Giving a service your bank username and password directly is a different and riskier arrangement because it exposes credentials outside the bank’s sign-in flow.

What to compare Bank-mediated, consent-based connection Credential sharing with a third party
Where you sign in You authenticate with the bank and approve access there, as described by Open Banking Limited’s UK FAQs. You give the third party your bank login details directly; ANZ advises customers not to share passwords, PINs, or one-time payment codes in its Australian guidance.
What the provider receives The connection is associated with a permission that can be reviewed; check the accounts and scope your bank displays. The provider has credentials that may expose broader access than the customer intended. ANZ and Bank of America describe the risks of sharing login credentials in their guidance.
How it may appear at the bank The bank may show the provider in a secure data-sharing or consent list. A credential-based connection may not appear in that list. Bank of America says its dashboard covers providers using its secure data-sharing method, and a provider using shared login credentials may not appear.
How to respond Use the bank’s revocation controls for an unwanted consent. Change the bank password, review multifactor authentication and alerts, and contact the bank if credentials were shared or activity is suspicious.

For the United States-specific dashboard limitation, see Bank of America’s third-party app and service data-sharing guidance. This example should not be generalized to every bank’s list: a permissions dashboard is useful, but it may not be exhaustive.

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How do I remove an app’s access?

Revoke an unwanted consent using the bank’s stated controls, then review the connected service’s own account and privacy settings. If you shared a password or one-time code instead of approving a bank-mediated consent, treat that as a credential-security issue as well as an app-connection issue.

  1. Use the bank’s official permissions screen. Select the provider or connection and choose the bank’s cancellation, removal, or revocation control. Follow any confirmation steps and check that the connection’s status changes.
  2. Contact the bank if the control is missing or unclear. Use an official channel and ask how to cancel that specific type of access. Do not rely on deleting the app from your phone as proof that the bank authorization was removed.
  3. Check the third-party service separately. Remove the bank account from the service’s connected-account settings if that option is available. If you want information already copied by the service deleted, request deletion directly from the provider where appropriate; revocation may stop future sharing without erasing stored data.
  4. Respond to shared credentials. Change your bank password, review multifactor authentication and account alerts, and contact the bank about any concern or unrecognized activity. ANZ’s guidance says not to share passwords, PINs, or one-time payment codes; Bank of America also recommends changing the bank password when credentials were shared.
  5. Review account activity. Check for transactions or other activity you did not authorize and report concerns promptly to the bank through its official contact channel.

Revocation details vary. HSBC UK says a customer can cancel a relevant connection through “Open Banking Connections” in mobile or online banking, with immediate effect, or request cancellation from the third party; its instructions are specific to HSBC UK and the relevant connection. See HSBC UK’s Open Banking FAQs.

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Why might an app not appear in my bank’s connected-apps list?

A missing provider is not conclusive evidence that it never had access. The list may cover only a particular secure connection method, while a service that received login credentials or uses another form of authority may be represented differently or not appear there.

Bank of America explicitly says its third-party data-sharing list covers providers using its secure data-sharing method; a provider that used shared login credentials may not be listed. If a connection is unclear, check the service’s settings and ask the bank what kinds of access its dashboard covers. Avoid approving a fresh connection request merely to identify an old one.

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Also distinguish between a bank consent and formal authority granted to a person. Commonwealth Bank of Australia documents formal third-party account authorities separately from simple app data feeds and says these can include transactions; its guidance describes managing the authority through NetBank. See CommBank’s third-party access instructions. This is an Australian bank example, not a universal account-management route.

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How do bank-specific instructions differ?

Use examples only as a clue to what your own bank may call the feature. The following official instructions are institution- and country-specific, so do not assume that the same labels or capabilities apply to another bank.

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Bank or source What its published guidance says Scope note
HSBC UK Customers can use “Open Banking Connections” in mobile or online banking to cancel a relevant connection; cancellation takes effect immediately, and it can also be requested from the third party. HSBC UK Open Banking connections; see its FAQs.
Griffin Its UK guide says to open the app, go to Settings, then “Third party apps,” review the list, and revoke a provider. Griffin’s documented app path; see its Open Banking guide.
CommBank Its guidance distinguishes formal third-party account authorities, which can include transactions, from simple app data feeds; it describes viewing or removing access in NetBank. Commonwealth Bank of Australia; see Third-party access to accounts.
BNZ Customers can view, remove, or restore third-party connections in the app or Internet Banking. New Zealand; see BNZ’s Open Banking page.
Bank of America Customers can view providers using its secure data-sharing protocol and revoke consent there. A provider that received login credentials may not appear in that list. U.S.-specific dashboard information; see Bank of America’s guidance.

In New Zealand, Kiwibank also explains that revoking a data-sharing connection does not necessarily delete information a provider already received; contact the provider about deletion if that matters. See Kiwibank’s data-sharing guidance. This is an important distinction between ending future access and managing a stored copy.

What changes if I am in the UK, Australia, New Zealand, or another country?

Bank dashboards and Open Banking rules are jurisdiction-specific. UK guidance describes regulated providers enrolled in the Open Banking directory and points customers to the FCA or relevant regulator registers; do not treat those UK protections or directories as universal. Consult your own bank’s official instructions and the regulator or Open Banking information for your country.

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ANZ’s guidance discusses third-party platforms in the Australian context and cautions against sharing passwords, PINs, and one-time payment codes. Bank of America’s dashboard explanation applies to its own secure data-sharing method. HSBC UK, Griffin, CommBank, BNZ, and Kiwibank likewise describe their own products and local systems. These examples help explain terms and possible controls; they do not establish a single global procedure.

If an AI service claims it is connected to your account but your bank’s dashboard does not explain the connection, ask the bank which access mechanisms its list includes and ask the service which provider or integration is involved. Where the service asks you to type bank credentials into its own screen, do not assume that it is the same as a bank-mediated consent flow.

Frequently Asked Questions

Can I tell whether an AI agent itself or an integration connected to it has bank access?

The bank record may name a provider or integration rather than the AI product’s consumer-facing name. Ask the AI service which provider handles the connection, then match that name and the affected accounts against the bank’s authorization details.

If I revoke access, does the app have to delete my old bank data?

Not necessarily. Kiwibank says revoking a data-sharing connection does not necessarily erase information already received, so deletion may require a separate request to the provider under its applicable privacy process: Kiwibank’s data-sharing guidance.

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Should I approve a new bank connection to find out who an old provider is?

No. A new approval creates or renews an authorization; it is not a safe way to investigate an unexplained one. Contact your bank through its official channel and ask what its existing permissions list covers.

Where can I check whether an Open Banking provider is regulated?

For UK Open Banking, Open Banking Limited says regulated providers are enrolled in its directory and directs customers to relevant regulator registers. Those UK checks do not establish a provider’s status in another country; consult the applicable local regulator.

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