Introduction to Financial Data (ongoing)
Financial Data (ongoing)
Financial Data (ongoing) gives you continuous, automatically refreshed access to a user's accounts across all their banks - not just a one-time snapshot. Use it to build personal finance dashboards, prevent overdrafts, or trigger personalised financial product offers based on real spending behaviour.
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Why continuous sync matters
A one-time connection is fine when you're making a single, bounded decision - an initial credit check, an onboarding affordability assessment. But financial situations are not static. An overdraft that wasn't there last month can appear overnight. A new loan obligation can change the affordability picture entirely. A job loss might not show up in any document for weeks, but it appears in the transaction feed almost immediately.
Working from a six-week-old snapshot isn't just imprecise - it creates real risk. Stale data is a liability when the decision it informs is supposed to reflect today's reality.
Continuous sync removes that gap. nrich refreshes connected accounts up to four times per day, automatically, so your application is always working with current data. This matters across three concrete scenarios in particular: credit monitoring, where you need to catch deteriorating affordability before a borrower misses a payment rather than after; personal finance dashboards, where showing last month's spending to a user who wants to understand today's habits makes the product useless; and overdraft or subscription alerts, where same-day detection is the whole point - weekly polling defeats the purpose entirely.
How it works
- You create a Widget link - call
POST /ongoing/accesswith a uniqueuser_id. - The user authenticates - the Widget guides them through bank selection and SCA.
- You exchange the code - get an access token from the callback.
- Autosync activates - nrich refreshes the account data up to 4 times per day automatically.
- You fetch at any time - call accounts and transactions endpoints whenever you need fresh data.
Autosync and consent
After the user connects a bank account, nrich adds it to an automatic sync process that runs up to 4 times per day. This requires the user to have saved their credentials during the Widget flow (via the "save credentials" checkbox, or by setting save_secrets: true in your API request).
Consent duration: User consent typically lasts 180 days. After this, the user must re-authenticate with their bank (e.g. provide a new TAN). nrich notifies you via the account's status field when re-authentication is needed.
Data retention: nrich retains financial data after 180 days of the last operation and is then deleted.
Coverage
Financial Data (ongoing) connects to banks across multiple European countries. Sign in to console.qwist.cloud to see the full list of supported banks and countries.
Financial Data (ongoing) coverage
3,381 banks across 33 countries