Easily request and access Open Banking data

Access Open Banking

We make it easy to access verified transaction data directly from financial institutions. Connect aggregates Open Banking connections with the UK's largest banks.

Smooth Customer Journey

Our user interface has been obsessively designed to boost engagement and minimise drop-off. Get better data without compromising customer journeys.

Easy-to-Use Data

Connect consolidates data across multiple accounts into an easy-to-use format. We do the hard work making sense of large transactional data sets.

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How it works



Customer applies for a financial product


Open Banking data is accessed from financial institutions


Data is transformed into an easily digestible format

Credit Assessment

Affordability and credit risk are determined


Individual receives application decision

About Connect

Open Banking allows certain companies specially regulated by the FCA as Account Information Service Providers (AISPs) to connect directly into the UK's largest banks and financial institutions to securely access individuals' and SMEs' financial transaction data through APIs. Open Banking data can only be accessed with the individual or SME account holder's consent. Credit Kudos, an AISP, provides an online interface for requesting that consent, and enables the connection of multiple financial institutions at one time. Credit Kudos then consolidates the financial data retrieved through Open Banking into a useable format for lenders, brokers, and banks. A third party company not regulated as an AISP cannot access Open Banking without working directly with an AISP.

An API is a way for different technology products to communicate instantly and securely. One website, app or company can request information from another through the internet or a secure connection, then get data back in a standard format. Open Banking using APIs to transmit data between the banks and licensed and authorised companies like Credit Kudos.

We currently support Lloyds, Halifax, HSBC, RBS, NatWest, Nationwide, Santander, Barclays, Bank of Scotland, First Direct, M&S Bank, Ulster Bank, First Trust, AIB, and Danske Bank.

At the moment, Open Banking only covers banks with a presence in the UK, but we’re expanding to countries in the EU and beyond soon. If you are a business or bank interested in partnering with Credit Kudos outside of the UK, please reach out to us directly:

Secure and Compliant

Security and compliance are our top priorities. Credit Kudos' technology was built from the ground up with data privacy and protection at its core. We’re secure, fully automated, and integrated with some of the largest lenders in Europe.

Regulated by the FCA

We're authorised and regulated by the FCA as both a Credit Reference Agency (CRA) and as an Account Information Services Provider (AISP). Our reference number is 770345.

GDPR Compliant

We’re registered with the Information Commissioner’s Office (ICO) as a Data Controller (reg. ZA158354) and are compliant with the 1998 Data Protection Act (DPA) and the EU General Data Protection Regulation (GDPR).

Security Tested

Credit Kudos' information security management system is ISO-27001 certified, and we have been awarded the UK government's Cyber Essentials certification.

Government-Grade Encryption

We use HTTPS 256-bit encryption when transmitting and storing data to keep our customers safe.

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