TrueLayer Data API
TrueLayer Data API gives developers access to identity, account, transaction, and balance data from integrated banks through one interface. Account information can include a holder's name, account number, and IBAN. Card data can include the network, last four digits, and name on card, with balances and transactions available at card level. Listed use cases include account verification and aggregation, affordability checks, rewards and insights, and money management. TrueLayer provides a customizable user journey or a custom authentication flow for regulated customers; non-regulated customers and agents of TrueLayer customers must use its customizable flow. Documentation lists client libraries for Node.js, Python, Java, and .NET, as well as web and mobile SDKs and hosted payment-page options. The free Sandbox plan uses mock data and provides no production access. Production access is priced according to volume and use case, and requires a registered business or commercial entity, a signed commercial agreement, and KYB/KYC. TrueLayer requires HTTPS for API connections and says data is encrypted in transit and at rest. Identical Data API requests are cached for one hour; persistently unreasonable request volumes may be throttled or blocked.
Who it is for
TrueLayer Data API suits businesses building financial features that use data from integrated banks. Production access is for registered businesses or commercial entities that can meet the agreement and KYB/KYC requirements.
What is good
- Single interface for identity, account, transaction, and balance data.
- Card data can include balances and transactions.
- Libraries are listed for four programming languages.
- Free Sandbox uses mock data for testing.
- API connections require HTTPS; data is encrypted in transit and at rest.
What to know first
- Sandbox has no production access.
- Production pricing is based on volume and use case.
- Production requires a signed commercial agreement and KYB/KYC.
- Non-regulated customers must use the customizable authentication flow.
Verdict
The Data API combines several kinds of bank and card data behind one interface, with a free mock-data Sandbox for development. Production use requires a commercial agreement and business verification, and the listed identical-request cache lasts one hour.
TrueLayer Data API plans and pricing
All plansCompared on bank connectivity software
- Free plan
- No
- Supported data types
- identity, account, credit card, transactions, balances, standing orders, direct debits
- Connection methods
- redirect, embedded, app-to-app, API-only/custom UI
- Refresh frequency
- real_time
- Statement formats
- JSON
