The Tool Desk
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AA safeguards reduce exposure, but they do not make every device, provider, recipient, or endpoint risk-free. Revoking consent stops further access through that consent; it does not automatically erase information a recipient already received.
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What an Account Aggregator does
An Account Aggregator is an RBI-regulated non-banking financial company that manages a consent-based transfer of financial information. It connects two roles:
- Financial Information Provider (FIP): the bank, insurer, securities institution, pension provider, or other participating institution that holds your information.
- Financial Information User (FIU): the authorized recipient, such as a lender or another financial service that needs information for a stated purpose.
You authorize the transfer. The AA presents and manages the consent, while the FIP verifies the consent and supplies the requested information to the FIU under its terms. The AA is not supposed to become a repository of your bank-login credentials or a place where you surrender control of every account.
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RBI directions state that financial information cannot be retrieved, shared, or transferred by an AA without your explicit consent. Registration with an AA is voluntary, and you can reject a request or revoke an active consent, including consent covering only part of the information.
Why the consent screen matters
A consent request is more than an “Allow” button. RBI’s consent framework requires a consent artefact that identifies the customer, the nature of the requested financial information, the purpose, the recipient, a notification address, and creation and expiry dates. Interface labels vary between providers, but those are the questions you should be able to answer before approving.
Check who is asking
Confirm that the FIU name matches the lender or financial service you intended to use. A familiar-looking logo is not enough. Open the application or website you deliberately started, then follow its account-linking or data-sharing flow. Treat a consent request that arrives unexpectedly, or names an institution you did not choose, as a request to reject until you verify it independently.
Check the stated purpose
The purpose should explain why the FIU needs the information, such as assessing a particular loan application. A request with a vague purpose, or one that appears broader than the service you are using, deserves clarification before approval. Do not assume that a request for one product automatically authorizes unrelated profiling or future applications.
Check the accounts and information categories
Review every account selected and the types of information requested. Select only what is necessary for the stated purpose. If you are applying using one savings account, question a request that includes unrelated current accounts, joint accounts, investments, insurance, or other institutions unless the FIU explains why they are needed.
Check duration and repeat access
Look for the consent’s creation and expiry dates, the period during which the FIU may access data, and whether the request permits repeated data fetches. A one-time fetch and a recurring permission have very different exposure. Choose the shortest duration that still lets the service complete its legitimate task. If the screen does not clearly show duration or recurrence, pause and ask the provider before accepting.
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Save the record
Save a confirmation email, screenshot, or downloadable consent record where permitted. Record the FIU, purpose, accounts, data categories, start date, expiry date, and whether access is recurring. This makes later review and revocation easier, especially when you have several financial applications in progress.
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Never give an AA your bank password or PIN
RBI directions prohibit an AA from requesting or storing the credentials you use to authenticate with an FIP. That includes passwords, PINs, and private keys. An AA-branded page that asks you to type your bank password into the AA service is a stop sign.
Authentication should occur in the intended flow of the financial institution that holds the account. The exact hand-off differs among banks and participating providers, but the AA should not collect or retain the credentials used to sign in to your bank. Do not paste those credentials into a chat, email, support form, browser extension, or unfamiliar page merely because it claims to be part of an AA process.
- Close the request if it asks for your bank password, ATM PIN, one-time password for an unrelated purpose, or private key.
- Open your bank’s official app or site separately and check whether a consent or account-linking request is pending.
- Contact the bank or FIU through a verified support channel before trying again.
- If you already disclosed a credential, change it through the bank’s official channel and report the incident promptly.
How a normal AA data-sharing flow works
- Start with the intended service. Begin a loan, investment, insurance, or other application with the institution you chose. Follow its account-data or financial-information option rather than an unsolicited link.
- Choose an available AA. You may be offered one or more participating AAs. Selection should be based on whether your FIP and intended FIU participate and whether the consent controls and disclosures are clear—not on an unsupported claim that one provider is universally safest.
- Register or sign in. Create or access your AA account through the provider’s official app or website. Registration does not itself authorize a transfer.
- Link eligible accounts. Select the participating FIP accounts you may use. The exact linking method is provider-specific; follow the bank’s intended authentication flow and do not give the AA your bank credentials.
- Review the consent request. Inspect the FIU name, purpose, accounts, information categories, notification address, creation date, expiry date, and whether access is one-time or recurring.
- Accept or reject. Approve only the scope needed for the stated purpose. Reject a request you did not initiate or cannot explain.
- Let the FIP verify it. After a valid consent artefact is presented, the FIP verifies the consent and the AA, then supplies the requested information according to the consent terms.
- Monitor and revoke. Review active consents in the AA’s consent-management area. Revoke permissions that have expired in practical value or that you no longer want active.
The Government of India’s consumer explanation describes AA data as encrypted by the sender so that only the recipient can decrypt it. RBI directions also require safeguards against unauthorized access, alteration, destruction, disclosure, or dissemination. These are important framework controls, not a promise that every phone, browser, app, recipient system, or account is immune from compromise.
What data can be shared?
The exact categories depend on what your FIP, AA, and FIU currently support. A Government of India explainer published in 2021 described banking transaction data, including current- and savings-account statements, as available at that time, while tax, pension, securities, and insurance information were described as planned expansion. That historical description should not be treated as a current inventory. Check the actual consent screen and the current participation information of your bank, AA, and FIU.
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A practical safety checklist before approving
| Check | What to verify | What to do if it fails |
|---|---|---|
| Initiator | The request is connected to the lender or service you intentionally opened. | Reject it and contact the intended institution through its official channel. |
| Recipient | The FIU name is recognizable and matches the service using your application. | Ask why that recipient needs access before proceeding. |
| Purpose | The stated purpose is specific enough to explain the request. | Do not accept a vague or unrelated purpose. |
| Scope | Only the required accounts, information types, and date range are selected. | Deselect unnecessary accounts or stop the request. |
| Duration | Creation and expiry dates are visible and reasonable. | Choose a shorter period or seek clarification. |
| Recurrence | You understand whether the FIU can fetch repeatedly or only once. | Do not approve recurring access when a one-time fetch is sufficient. |
| Credentials | The AA does not request your bank password, PIN, or private key. | Stop immediately and report the request if necessary. |
| Controls | You know where active consents and revoke controls are located. | Do not proceed until you can manage the permission. |
How to reject or revoke access
Rejecting an unexpected request
If a consent request is unfamiliar, do not approve it merely because it appears inside an AA app. Reject it, then check with the supposed FIU using a phone number or website you obtained independently. Look for signs of account takeover or an application you did not submit, and secure the relevant financial accounts if anything is suspicious.
Revoking an active consent
Menu names vary, but the process normally follows this pattern:
- Sign in to the AA app or website through its official entry point.
- Open the area labelled Consents, Active consents, or a similar consent-management view.
- Select the permission you want to stop and inspect the FIU, purpose, accounts, and access period.
- Choose Revoke or the equivalent control.
- Review the confirmation details and confirm the revocation.
- Save the confirmation and, if relevant, tell the FIU that the application or service should no longer request data.
OneMoney’s help instructions illustrate this pattern—sign in, open Consents, review the active request, choose Revoke, review, and confirm. Other AAs may use different labels or navigation, so do not assume that every provider’s screen is identical.
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Revocation prevents further access through the consent you revoked. It is not retroactive deletion. Information already delivered to the FIU may remain in that institution’s systems under its retention, legal, operational, and privacy policies. OneMoney’s privacy policy explains that data explicitly shared with an FIU or another regulated entity is governed by the recipient’s policies and terms, and that the AA is not responsible for deleting data held or processed by those parties.
If your concern is information already received, contact the FIU and ask what it retains, why it retains it, how long it will keep it, and what deletion or restriction options apply. Revoking the AA consent and requesting deletion from the recipient are separate actions.
How to evaluate an AA provider without guessing
The available evidence does not support ranking AA providers by security performance. A more useful comparison uses observable controls:
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- Does the provider support the FIP holding your account and the FIU you intend to use?
- Does each consent clearly name the recipient, purpose, information scope, expiry, and recurrence?
- Can you see all active, expired, rejected, and revoked consents?
- Are reject, pause, and revoke actions easy to find?
- Does the provider explain privacy, grievance handling, retention, and what happens after data is shared with an FIU?
- Does its support documentation explain how authentication is handled without collecting FIP credentials?
Availability changes as institutions join or leave the ecosystem. A provider that works for one bank-and-lender combination may not work for another, so verify the specific pairing during your application.
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An unsolicited consent notification
Do not approve it to “see what it is.” Reject it, check your lender and bank accounts independently, and investigate whether someone started an application using your details.
A request covering every account
Ask the FIU why each account is needed. Narrow the selection to the minimum that supports the stated purpose. If the interface cannot narrow the scope and the broad access is not justified, stop.
A recurring permission for a one-time application
Look for a one-time or shorter-duration option. If none exists, ask the FIU whether recurring access is essential and how to end it after the decision is made.
A page asking for bank credentials
Close it. An AA must not request or store your FIP authentication credentials under RBI directions. Verify the flow through the bank and AA’s official support channels.
You revoked access but still receive questions about old data
Revocation stops new retrieval through that consent; it does not establish that the FIU erased information already delivered. Use the FIU’s privacy or grievance process to ask about retention and deletion.
You cannot identify the FIU
Do not infer its identity from a shortened name or logo. Obtain the full legal or service name and purpose from the application provider before consenting.
What the ecosystem figures mean
The Department of Financial Services, Ministry of Finance, Government of India reported, as of 31 March 2026:
| Measure | Reported figure |
|---|---|
| Financial accounts enabled to share data | More than 2.88 billion |
| Accounts linked by users | 284.6 million |
| Live Financial Information Providers | 179 |
| Live Financial Information Users | 989 |
These figures describe ecosystem scale and adoption. They do not measure the safety of your particular consent, the security performance of a specific provider, or the handling practices of the recipient that receives your data.
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Questions to ask before you click approve
- Which exact institution will receive the data?
- What decision or service is the data being used for?
- Which accounts, transactions, balances, or other categories are included?
- What are the creation and expiry dates?
- Can the recipient fetch data repeatedly?
- Where can I see and revoke this consent later?
- What does the recipient’s privacy and retention policy say about information it already receives?
If you cannot answer those questions from the consent screen and the provider’s explanations, delay the approval. A legitimate application should give you enough information to make a specific, informed choice.
Bottom line
Use an Account Aggregator as a controlled permission, not as a shortcut around normal security judgment. Start from the financial service you intended to use, verify the FIU and purpose, limit accounts and data, inspect duration and recurring access, and never provide an AA your bank password, PIN, or private key. Reject unexpected requests and revoke permissions that are no longer needed. Then remember that revocation stops future access through that consent; questions about data already delivered belong with the recipient institution.
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