Verified bank data, shared on the user's terms
Let your users securely connect a bank account and share balance, transaction history, and statement data with a few taps. Build lending, onboarding, and fraud checks on verified data — not screenshots or self-reported numbers.
Consent-based access · Encrypted in transit and at rest
Available balance
₦482,650.00
Statements
12 months ready
Access data in seconds
Retrieve user-permitted bank data through one API call, with no manual document review on your end.
Verify ownership, cut fraud
Confirm the account belongs to the person opening it before you disburse, onboard, or approve.
Build on real financial signal
Underwrite, score, and personalize products using actual cash-flow data instead of self-reported income.
One connection, four kinds of financial data
Ask for only what your product needs — from a quick ownership check to a full 12-month statement history.
Verify account ownership
Confirm the name, and other identity details tied to a bank account match the person you're onboarding, before money moves.
Check real-time balance
Confirm sufficient funds before you initiate a debit, or use balance trends as an input to your risk models.
Retrieve transaction history
Pull categorized cash-flow and spending data to power budgeting tools, credit scoring, or affordability checks.
Pull bank statements
Retrieve statement data covering up to 12 months for loan underwriting, income verification, or audits.
A consent flow your users already trust
Every connection starts with the account holder — no data leaves their bank without their say-so.
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1
User selects their bank and consents
Your user picks their bank inside your app or the LumiID widget, and chooses exactly what to share.
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2
LumiID securely retrieves the data
We connect to the bank on the user's behalf and pull only the account, balance, or transaction data they authorized.
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3
You receive structured, verified data
Structured JSON lands in your system via API response or webhook, ready to plug into onboarding, underwriting, or fraud checks.
Built for teams who move fast without cutting corners
Consent stays with the user
Users choose what to share and can see exactly which data types a connection covers — nothing is pulled by default.
Optimised for conversion
A fast, mobile-first connection flow keeps drop-off low during checkout, sign-up, and loan applications.
Pairs with the rest of the stack
Combine Financial Connection with KYC Verification and Fraud Detection for a single, verified view of every user.
Built for your developers
Clear references, sandbox test accounts, and webhooks so your team can ship the integration in days, not weeks.
View API documentationPricing that fits your stage
Pay for verified connections as you grow, with plans for early-stage products and high-volume platforms alike.
See pricingFrequently asked questions
What is LumiID Financial Connection?
It's an API that lets your users securely link a bank account and share balance, transaction, and statement data with your product, with their explicit consent.
Does it require user consent?
Yes. Every data pull is initiated by the account holder through a consent flow, and access can be limited to only the data types your product needs.
What data can I retrieve through the API?
Account ownership details, real-time balance, historical transactions, and bank statements covering up to 12 months, depending on what the user consents to share.
Is the data encrypted?
Data is encrypted in transit and at rest, and access to each connection is scoped and logged so you can audit who requested what and when.
Can I test it before going live?
Yes — a sandbox environment with test accounts is available so your team can build and QA the integration before switching to production.