Real-time banking API for secure financial data access

Flinks gives fintechs, financial institutions, and lenders a banking API that connects to 15,000+ banks across North America, enabling real-time onboarding (KYC), income verification, underwriting, and other financial use cases.

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Trusted by leading financial institutions and innovators

Link users’ bank data to your solution

Link users’ bank data to your solution

Using the Flinks Banking API, your customer can connect directly to their bank or upload financial documents such as bank statements or void cheques.

Actionable financial insights at your fingertips

Actionable financial insights at your fingertips

Flinks organizes the data into clear insights, delivering 4,500+ attributes so you can understand your customer's financial health faster and make fairer decisions.

Supercharge your financial services

Digital KYC & Onboarding

Streamline customer onboarding with real-time access to consumer-permissioned bank data. Our banking API helps you reduce friction, strengthen KYC checks, and onboard verified users faster.

Identity & Bank Verification

Verify identities and confirm bank account ownership using secure, real-time financial data. Flinks provides a reliable platform to automate account verification and document fraud prevention.

Lending & Underwriting

Make smarter credit decisions with real-time access to up to 12 months of bank transaction data, including balances and income signals. Our banking API helps you assess cash flow, affordability, and risk with confidence.

Wealth Management & PFM

Power personalized financial experiences with enriched transaction data and insights. Use bank data to categorize spending, analyze behavior, and build smarter wealth management and personal finance tools.

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Benefits of using our
bank data API

Proven reliability

A 95%+ success rate across 15,000+ North American institutions means fewer drop-offs and faster onboarding, with OAuth and smart MFA handling built in.

Deep insights

Transform bank data into 4,500+ real-time attributes covering income, cash flow, liabilities, NSF, overdrafts, and loan stacking—ready for credit decisioning.

Fast data access

Retrieve exactly the data you need using our banking API, webhooks, or intuitive customer dashboard.

What our customers say about us

Don’t take our word for it. Our customers love us, and here’s what they say on G2.

“Best tool for bank verification”
Flinks has easy access to all banking information. It shows the address of the customer, their employer information, and all loans and payments. It breaks everything down into easy-to-read graphs and tabs!
Meagan L.
Manager
“Start-up friendly and scalable solutions”
Flinks’ products provide value to a segment in the credit sphere that is currently underserved by banks, and the only other options are very harsh on cashflow and expensive to deal with.
Charles K.
President
“Great experience, good customer service when needed”
Flinks simplifies our loan processing, API works great, easy integration and good customer experience.
Alex B.
CEO

Meet with an expert today

Book a 15-minute chat to see how Flinks can help you build seamless
financial experiences.

Discover how you can:

Onboard and verify clients in seconds
Power smarter decisioning with 4,500+ financial attributes
Get instant access to data from 15,000+ institutions
Authenticate documents and detect fraud automatically
Send and receive payments through one unified platform

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