Financial Data (one-time)

Financial Data (one-time) gives your application one-time, consented access to a user's bank account - including account details, live balances, and full transaction history. Use it anywhere you need a financial snapshot: loan origination, credit checks, account verification, or pre-fill flows.

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Get credentials
Sign in to console.qwist.cloud to generate sandbox credentials instantly. The sandbox includes a demo bank for end-to-end testing.

What this solves

Most financial applications still collect bank data through manual processes: asking users to upload PDF statements, enter account numbers by hand, or wait days for micro-deposit confirmation. These approaches share the same failure modes - they are slow, easy to falsify, and create friction that drives drop-off.

Financial Data (one-time) replaces that with a direct, consented connection to the user's bank. The data comes straight from the institution, so it cannot be altered by the user, is current as of the moment they connect, and arrives structured and enriched - no parsing, no normalisation work on your side.

	Manual document collection	Financial Data (one-time) via nrich
Speed	Days (upload, review, process)	Seconds
Fraud risk	High - PDFs and screenshots can be edited	None - data sourced directly from the bank
Data freshness	As old as the document	Real-time at point of connection
User effort	Upload, photograph, or forward documents	One bank login with existing credentials
Enrichment	Raw - requires your own parsing	Categories and payment partners included

When to use Financial Data (one-time) over alternatives:

You need a one-time snapshot rather than ongoing monitoring - use Financial Data (one-time). If you need continuous daily sync, use Financial Data (ongoing) instead.
You need account data alongside an income or risk assessment - Financial Data (one-time) alone gives you raw transactions. For a structured income breakdown, use Income Verification. For a full risk profile, use Risk Insights.

How it works

You create a Widget link - call POST /onetime/access with your configuration.
The user authenticates - the nrich Widget guides them through bank selection and SCA.
You exchange the code - after redirect, exchange the code query parameter for an access token.
You fetch the data - use the token to call accounts and transactions endpoints.

Data is retained for 1 hour, during which you can fetch it as many times as needed. After 1 hour it is automatically deleted from nrich's systems.

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Need ongoing access?
Financial Data (one-time) is one-time only. For continuous account access with automatic daily sync, see Financial Data (ongoing).

Available account types

nrich provides access to multiple account types across supported countries. Sign in to console.qwist.cloud to view the full list of supported banks and countries.

Account types

Coverage varies by country and account type

✓Payment accounts✓Savings accounts✓Depot / investment✓Credit cards✓Loans✓Insurance policies

View full bank catalog — 3,381 banks across 18 countries →