Faster decision-making

Balance Check gives you instant access to a user’s current bank account balance through secure open banking. It helps you assess affordability, prevent failed payments, and ensure customers meet eligibility criteria at the exact point of application or transaction.

Ideal for use in financial services, claims, lending, and onboarding, this tool brings real-time clarity to decisions that depend on accurate account status.

How it works

With the customer’s consent, Balance Check connects to their selected bank account via open banking and retrieves the current balance immediately. It can also return recent balance trends over time to give context on how funds are typically managed.

Here’s an example output:

{
  "account_number": "83920194",
  "sort_code": "20-57-11",
  "current_balance": 482.16,
  "available_balance": 532.16,
  "currency": "GBP",
  "timestamp": "2025-04-14T14:28:00Z"

This information can be used to support affordability checks, approve or decline payouts, or assess financial stability.

Affordability and payment checks

Balance Check removes the guesswork when it matters most. Whether you're issuing a refund, accepting a payment, or assessing whether a customer qualifies for credit or legal services, you get the data you need without delay.

The tool can be used as a standalone check or in combination with Spend Insights, Credit Insights, or Bank Match to create a full financial profile.

Live balance data matters

Outdated or self-reported balances can lead to risky decisions, missed red flags, or failed payments. With Balance Check, you're working with live account data, pulled directly from the customer’s bank at the moment it’s needed.

This reduces friction, helps you act with confidence, and supports both compliance and customer experience.

Get started

Want a clearer view of what your customers can afford right now? Balance Check gives you real-time insight at the point of decision. Compare packages or request a demo today.