SECURE BANK INTEGRATION
Secure Bank Account Integration - Connect Your Family's Global Financial Life
Your family's money doesn't live in just one bank. From London cash accounts to Singapore savings, from New York investments to Toronto credit cards - Know Your Dosh securely connects all your family's accounts worldwide, giving you complete financial visibility with uncompromising security.
Cash Accounts
Credit Cards
Loans
Investments
Mortgages
Open Banking
These are secure connections directly to the banks. You can use your banking app (or the bank’s website) to allow sharing of your information with trusted third parties. No usernames or passwords are shared with us. We partner with Moneyhub to provide this service for our customers for automatic updates. Moneyhub is regulated by the FCA.
Secured Gateways
All banks must provide direct connections, but non-banking providers (investments, pensions and mortgages) don’t always make these available, so we use Secured Gateways. This allows us to still automatically update your accounts. These connect via a data provider (Yodlee) to retrieve information securely in read-only mode.
Manual Updates
Where a financial provider has no direct or indirect feed options available, all information can still be entered manually on the Know Your Dosh platform. This is the option we advise choosing if the secured gateway feeds experience any persistent errors that are beyond our direct control.
Why Global Customers Trust Our Bank Integration 🔗
- Universal Connectivity: Connect to hundreds of providers across 16 countries
- Real-Time Synchronisation: Instant updates from all connected accounts
- Bank-Grade Security: FCA regulated with military-grade encryption
- Family Coordination: Shared access with granular permission controls
Open Banking Technology - The Future of Secure Banking 🎯
What is Open Banking?
- Regulatory Framework: Government-mandated secure data sharing standards
- Consumer Control: You own your data and control who accesses it
- Innovation Driver: Enables innovative financial services like Know Your Dosh
- Global Adoption: Implemented across Europe, UK, Australia, and expanding worldwide
- Security Standards: Even higher security than traditional screen scraping methods
Trust Building: “Open Banking isn’t just secure – it’s the most secure way to connect your bank accounts. Unlike old-fashioned screen scraping, Open Banking uses bank-approved APIs with read-only access, meaning we never see your login credentials.”
How Open Banking Protects Your Family
- No Credential Storage: We never store your banking passwords
- Read-Only Access: Cannot initiate transactions or move money
- Consent Management: You control exactly what data is shared
- Revocable Access: Disconnect any bank instantly
- Audit Trails: Complete history of all data access
Supported Countries 🌏
Open Banking
- United Kingdom
- Republic of Ireland
- Germany
- Italy
- Spain
- Belgium
- Austria
- Czech Republic
- France
- Netherlands
- Romania
- Luxembourg
Secure Gateways
- United Kingdom
- United States
- Canada
- Australia
- New Zealand
- Republic of Ireland
- Germany
- Spain
- France
- Netherlands
Family Banking Coordination 🤝
Shared Account Management
- Joint Account Visibility: Both spouses see shared account activity
- Permission Controls: Granular access to different account types
- Spending Insights: Family spending patterns and analysis
- Goal Tracking: Family financial goals with progress monitoring
Multi-Generational Banking
- Elderly Parent Assistance: Help parents manage their banking
- Student Account Monitoring: Parents can monitor student accounts
- Trust Account Management: Trustee access to trust accounts
- Business Account Integration: Family business banking coordination
- Estate Planning: Account information for estate planning purposes
Security & Compliance 🔐
Regulatory Compliance
- FCA Regulated: UK Financial Conduct Authority oversight
- PSD2 Compliant: European Payment Services Directive compliance
- GDPR Compliant: European data protection regulation adherence
Data Protection Standards
- End-to-End Encryption: AES-256 encryption for all data transmission
- Zero-Knowledge Architecture: We cannot see your decrypted data
- Multi-Factor Authentication: Additional security layers for access
- Biometric Authentication: Fingerprint and face recognition support on mobile
- Device Management: Secure device registration and management
Privacy Controls
- Consent Management: Granular control over data sharing
- Data Retention: Control how long data is stored
- Right to Deletion: Complete data removal upon request
- Audit Logs: Complete history of data access and usage
