Atto Bank Data API
Real-time open banking service delivering normalised bank account and transaction data, enriched with transaction categorisation and merchant identification.
Atto Bank Data API provides secure access to customer-consented bank account, balance, and transaction data from 13,000+ institutions across 45+ countries. Data is normalised into a consistent schema to accelerate underwriting, onboarding, fraud checks, affordability, and portfolio analytics. Beyond raw transaction aggregation, Atto delivers advanced transaction categorisation, classification, and merchant identification powered by machine learning and large-scale data models. Every transaction is automatically enriched with structured insights that help you truly understand customer financial behaviour. Please note that prerequisite UI configuration is required before invoking an API from FICO Platform. Please see Atto Platform document under Deliverables to see integration details.
Features
Benefits
Features
Global Open Banking Connectivity
Secure access to bank account, balance, and transaction data from 13,000+ institutions across 45+ countries with customer consent.Standardised Data Normalisation
All financial data is transformed into a consistent schema, making it easy to integrate and use across systems and markets.Merchant Identification
Detects merchant names.Benefits
Faster Financial Decision-Making
Deeper Customer Understanding
Improved Risk & Fraud Detection
Personalised Customer Experiences
Reduced Operational Costs
Enhanced Data Accuracy & Trust
Stronger Marketing & Segmentation