5 Best Third Party Providers for Account Information UK Businesses Can Trust [2025]

Access to accurate and verified bank data has become essential for UK businesses, whether it’s for compliance checks, reconciliations, or customer onboarding. With Open Banking, this is no longer a manual process. Instead, firms can connect directly to bank accounts through third party providers for account information, commonly referred to as AISPs.

These third party providers are authorised by the Financial Conduct Authority (FCA) and give businesses real-time access to balances, transactions, and account insights. By removing the need for paper statements or PDF uploads, AISPs help firms work faster, stay compliant, and make better financial decisions.

In this guide, we’ll look at the top FCA-authorised AISPs in the UK for 2025, explain how they work, and outline what to consider when choosing the right provider for your business.

What Are Account Information Service Providers (AISPs)?

In the UK, third party providers for account information are formally known as Account Information Service Providers (AISPs). These are FCA-authorised firms that use Open Banking APIs to give businesses secure access to customer account data including balances, transaction histories, and account insights.

AISPs fall under the broader category of TPPs for account information, which means they operate with customer consent and within strict FCA regulations. Unlike Payment Initiation Service Providers (PISPs), which move money, AISPs are focused entirely on data access.

How AISPs Work

1. A customer gives consent for a business to view their account data.
2. The AISP connects securely to the customer’s bank via Open Banking.
3. The data is retrieved in real time and shared with the business through an API.

This process replaces outdated methods like paper bank statements or PDF uploads, giving firms instant access to verified information directly from the source.

Why UK Businesses Use Account Information TPPs

For many UK firms, collecting financial data used to mean chasing clients for PDF statements or paper records. With the introduction of TPPs for account information, this process has become instant, secure, and fully compliant.

Benefits of Working with Account Information Service Providers (AISPs)

• Regulated by the FCA
  Every account data request is backed by customer consent and meets the FCA’s strict security and data protection standards.
• Real-Time Data Access
  Instead of waiting days or weeks for documents, firms can pull account balances and transaction histories in seconds.
• Better Accuracy
  Accessing data directly from banks reduces errors and removes the risk of tampered or incomplete information.
• Transaction Categorisation
  Some AISPs add value by structuring raw transaction feeds into categories, helping businesses understand income, spending, and financial behaviour.
• Multi-Bank Connectivity
  With one API, businesses can connect to accounts across almost all UK banks, including high-street and challenger banks.
• Lower Operational Costs
  Automating data collection cuts down on admin time, freeing staff to focus on analysis and decision-making instead of chasing documents.

From accountants verifying client records to lenders assessing affordability, third party providers for account information are becoming an essential part of day-to-day operations in the UK.

Top 5 Third Party Providers for Account Information

Criteria	Finexer	Bud	Salt Edge	Yodlee	Moneyhub
FCA Authorisation	Fully authorised for AIS, UK-focused	Authorised in UK	Authorised, multi-region	Authorised, global platform	Authorised in UK
UK Bank Coverage	99% of UK banks (high-street + challengers)	Broad UK coverage	UK + EU, thousands of banks worldwide	UK + global aggregation	Strong UK coverage
Deployment Speed	2–3x faster than market average	Moderate integration timelines	Longer, suited for multi-market integrations	Longer, global integrations	Moderate integration timelines
Data Enrichment	Strong transaction categorisation	Strong enrichment & categorisation	Basic enrichment	Aggregated data with financial analytics	Enrichment across banking + pensions
Market Fit	SMEs, accountants, fintechs, law firms needing UK-only AIS	Fintechs & banks seeking customer insights	Businesses with international operations	Wealthtechs, financial apps, global players	Retail finance & wealth management firms
Pricing Approach	Flexible, usage-based (SME and mid-market friendly)	Enterprise contracts more common	Enterprise/global contracts	Enterprise/global contracts	Enterprise contracts, some SME partnerships
White-Label Options	Yes – designed for embedding into platforms	Limited	Available	Available	Available

1.Finexer

Best For: UK businesses that want to replace manual document collection with real-time, FCA-compliant bank data feeds.

Unique Capabilities for Account Information:

• 99% UK Bank Coverage – a single API connection for high-street and challenger banks.
• Real-Time Feeds – instant access to balances, transactions, and historical account data.
• Transaction Enrichment – categorises spending patterns and income streams for easier analysis.
• Multi-Client Handling – designed for accountants and platforms managing multiple customer accounts at once.
• White-Label Ready – embed data collection under your own brand for clients.
• Developer-Friendly – well-documented APIs built for quick integration with accounting, lending, or ERP systems.

Why Businesses Choose Finexer for Account Information:

• FCA-Authorised & UK-Only Focus – ensures compliance and local regulatory alignment.
• 2–3x Faster Deployment – integration timelines shortened so firms can go live in weeks.
• Flexible Pricing – usage-based structure suited to SMEs and scaling fintechs.
• Guided Onboarding Support – dedicated assistance during the first 3–5 weeks of integration.
• Built for Efficiency – removes the need for PDFs or statements, letting teams work with direct, verified bank data.

Finexer positions itself as more than just an aggregator, it’s a UK-first partner for firms that need secure, compliant, and reliable account information APIs without long integration delays.

2.Bud Financial

Bud is a UK-based third party provider for account information that has built a reputation around transforming raw bank data into actionable insights. Instead of simply retrieving balances and transactions, Bud focuses on categorisation, enrichment, and financial analytics, making it easier for businesses to understand customer behaviour.

Key Highlights:

• Transaction Categorisation: Groups spending and income into meaningful categories, helping firms identify financial patterns.
• Enrichment Layer: Adds context to raw transaction feeds, such as merchant names and spending types.
• Financial Insights: Used by banks and fintechs to power customer-facing features like budgeting apps, affordability assessments, and financial wellness tools.
• UK Market Strength: Strong adoption within the UK, with integrations across major banks and financial institutions.

Market Fit / Use Case:
Bud is often selected by financial institutions and fintech platforms that want to go beyond basic account access. For example, a digital bank might use Bud to provide customers with spending insights in-app, or a lender could rely on its enrichment tools to assess affordability with greater accuracy.

While it is not as UK-SME focused as some providers, Bud’s strength lies in turning account data into insights, making it a popular choice for businesses building customer-facing financial products.

3.Salt Edge

Salt Edge is a global third party provider for account information, offering both Open Banking connectivity in the UK and broader coverage across Europe and other markets. While many providers focus only on the UK, Salt Edge appeals to businesses that operate internationally and need multi-market access to bank data.

Key Highlights:

• Wide Coverage: Supports thousands of banks across Europe and beyond, in addition to UK connections.
• Dual Services: Provides both Account Information (AIS) and Payment Initiation (PIS) services.
• Compliance Support: Offers tools for PSD2 and Open Banking compliance, making it easier for businesses operating across borders.
• Developer Tools: Detailed documentation and integration options for cross-market deployment.

Market Fit / Use Case:
Salt Edge is most relevant for companies with international customers or those building platforms that need to aggregate bank data across multiple regions, not just the UK. For example, a fintech serving both UK and EU customers may use Salt Edge to ensure consistent data coverage.

While its global approach is a strength, UK-only firms may prefer providers that are focused solely on the domestic market, where compliance and deployment speed are more tailored to local needs.

4.Yodlee

Yodlee is one of the longest-standing global data aggregation platforms and also acts as a third party provider for account information in the UK. Originally known for financial data aggregation in the US, Yodlee has expanded into Open Banking, connecting to UK banks under FCA authorisation.

Key Highlights:

• Global Reach: Offers account information services not just in the UK but across multiple international markets.
• Wealth & Investment Focus: Widely used by wealth management platforms and personal finance applications that require consolidated financial data.
• Data Aggregation: Combines Open Banking feeds with additional financial datasets, creating a more comprehensive customer profile.
• API Solutions: Provides APIs for account aggregation, financial insights, and analytics at scale.

Market Fit / Use Case:
Yodlee is typically chosen by wealthtechs, investment platforms, and financial apps that need to give clients a multi-bank or multi-market view of their finances. For example, a portfolio management tool may use Yodlee to pull in both UK bank transactions and international accounts for a single, unified customer dashboard.

While it offers strong aggregation capabilities, UK-only businesses may find Yodlee broader than needed, as its strength lies in global data coverage rather than local specialisation.

5.Moneyhub

Moneyhub is a UK-based third party provider for account information, known for its focus on financial wellness and customer engagement tools. Unlike providers that only supply raw data, Moneyhub has built its reputation on enabling businesses to turn account information into insights that improve decision-making for both firms and end-users.

Key Highlights:

• Strong UK Coverage: Provides AIS connections across major UK high-street and challenger banks.
• Financial Wellness Tools: Powers applications that help users budget, save, and better understand their financial position.
• Wealth & Pension Data: Goes beyond bank accounts by integrating data from pensions, investments, and other financial products.
• Business Applications: Supports affordability checks, financial planning, and cashflow monitoring.

Market Fit / Use Case:
Moneyhub is often chosen by businesses in the retail finance and wealth management sectors that want to give customers a more complete financial picture. For example, a pension platform might use Moneyhub to pull in account balances alongside pension data, offering users a consolidated financial view.

Its strength lies in customer-facing insights and financial wellbeing features, making it a good fit for firms building consumer-focused financial products. However, for businesses that prioritise fast deployment or B2B integrations, other providers may be a closer match.