Aperioflow

UK Open Banking · Account information only

One API for every UK bank account.

Aperioflow gives you a single, normalised API to read your customers' accounts, balances, transactions, direct debits and standing orders - with their consent, from any UK bank.

Get sandbox keysRead the docsLog in →
curl https://aperioflow-apiv1-production.up.railway.app/v1/accounts?consent_id=cns_8Jd2kq \
  -H "Authorization: Bearer af_sandbox_..."

{
  "data": [
    {
      "id": "acc_01HZX...",
      "subtype": "current_account",
      "currency": "GBP",
      "display_name": "Classic Account"
    }
  ],
  "meta": { "consent_id": "cns_8Jd2kq", "institution_id": "lloyds", "count": 1 }
}

Built for developers, designed for compliance

One API, every UK bank

Integrate once and reach account holders at any supported UK bank, starting with Lloyds. No per-bank quirks in your code.

Normalised data

Accounts, balances, transactions, direct debits and standing orders in one consistent model: signed decimal amounts, ISO 8601 timestamps, snake_case enums.

FCA-regulated AISP

Aperioflow is registered with the FCA as an Account Information Service Provider. We host the consent journey and manage 90-day reconfirmation for you.

Sandbox & live

Build against the Aperio Model Bank and bank sandboxes with af_sandbox_ keys. Request go-live when you are ready and receive live keys after review.

How it works

  1. 1

    Create an app

    Sign up, create an application, register your redirect URI and generate a sandbox key.

  2. 2

    Create a consent

    POST /v1/consents with the institution and permissions you need. We return an authorisation URL.

  3. 3

    Account holder authorises

    They review the consent on our hosted screen, authenticate with their bank and return to your app.

  4. 4

    Read normalised data

    Call /v1/accounts, balances, transactions, direct debits and standing orders.

Create a free accountGetting started guide