Account Information Guides
Read a customer's accounts, balances, and transactions once they've authorized access.
Integrate Account Information Services (AIS): read access to a customer's accounts, balances, and transactions, gated by their consent. Availability varies by market; see Coverage.
Start with the concept
Read Account Information for the consent + connection model before integrating.
The flow
Authenticate
Exchange your API credentials for a Bearer access token, see Quick Start Setup.
Establish consent
The customer authorizes read access at their bank (via Spare Link or your own flow). Spare returns a consent your app references on every data call.
Query data
Call the Accounts endpoint, then Balances & Transactions for each account.
Data objects
Accounts
The account entity and what it returns.
Balances & Transactions
Real-time balances and filterable transaction history.
Transaction Data Object
The full field-level shape of a transaction.
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