Banking data
Safely connect to your customers’ banking data
Access real-time, up-to-date, and categorized banking data to get in-depth customer insights and build tailor-made financial solutions.
Trusted by the leading financial innovators
Access banking data to offer better financial services
Connect all accounts in one place
Get an instant snapshot of all your customers’ banking information through a single platform and improve user experience.
Scale your solution to other markets
Access more than 60 top retail and business banks in Latin America which represents more than 90% of market coverage.
Data secure and private
Belvo is ISO 27001 certified and we use bank-grade security standards and comply with privacy, security, and regulatory best practices.
Build a 360° picture of your customer
Retrieve categorized and up-to-date financial data directly from its source to get behavioral financial insights about your customers.
Build better financial apps
Boost your customers’ financial management
Access homogenized transactional data and insights about your users’ income and financial activities to build a 360° vision of their finances.
Correctly map customers’ spending categories, income, as well as their recurring expenses and subscriptions, to create personalized finance management tools and better guide them with their daily finances.
Optimize credit decisions and reduce risks
Thanks to banking data, you can easily determine your consumers’ consumption patterns and get a sharp picture of their financial behavior.
Better assess their affordability and offer them tailor-made repayment options. Decrease payment default risk while you increase loan acceptance rates.
Convert raw banking data into valuable insights
Categorization
Categorize and enrich transactions using machine learning
Our categorization engine accurately categorizes transaction categories with 85% accuracy.
Thanks to machine learning, we transform raw transactions into clear and comprehensive insights to offer an enhanced user experience.
Income verification
Assess users’ income from multiple sources
Assess your customers’ income from multiple sources (e.g. freelance, rent, salary and more) to get a thorough understanding of their financial health and affordability.
Thanks to AI-based models, improve your income verification capabilities and accurately understand your users’ financial stability and ability to pay.
Recurring expenses
Understand your users’ recurring spending habits
Understand users’ recurring spending patterns on platforms such as Netflix, gym subscriptions, and utility payments such as electricity.
Obtain insights about their repayment risk for loans or offer them advice on how to improve their financial health.
Risk insights
Improve the predictive power of your credit models
Retrieve a comprehensive list of pre-calculated and advanced metrics designed to speed up credit decisions.
Enhance your risk models with banking data directly fetched from end users’ accounts and better assess creditworthiness.
Data aggregation
Access comprehensive and detailed banking data
Transactions
Access up to 24 months of standardized and categorized transactional data for personal and business bank accounts.
Accounts
Get users’ account information and complete details on business and personal financial products held within each bank.
Owners
Retrieve account holder critical information such as name, email, and phone numbers.
How it works
The best coverage in the market
Market coverage means that we have quality, robust and scalable integrations that cover the majority of the population.
BraZil
Itaú
Banco do Brasil
Bradesco
Caixa
Nubank
colombia
Banco de Bogóta
BBVA
Bancolombia
Nequi
Falabella
Related guides & docs
Learn more about how to handle security
Discover how we protect end users’ financial data with the best security and privacy practices.
Get started with Belvo
Look at our technical guides and documentation to get up and running with our API.
Analytics, a no-code solution
Say goodbye to the hassle of coding and designing to access open finance data and go live in minutes with our no-code solution.
Using Belvo’s data, we reduced our credit risk by half.
Joao Paulo Borges
Head of Credit
With Open Finance you can better understand customer’s profile as a whole in the market, look at other companies they work with and have access to this information, so you can offer more competitive credit offers.
Daniel Issa
Head of Merchant Credit
When you demonstrate to the user the benefits of sharing their credentials through open banking, you will have a successful business model.
Miguel Londoño
CEO
We can’t wait to hear
what you’re going
to build
Belvo does not grant loans or ask for deposits
