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.

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Trusted by the leading financial innovators

Access banking data to offer better financial services

all accounts in one place

Get a snapshot of an account’s balance or analyze balance evolution over time.

TURN DATA INTO REAL INSIGHTS

Get users’ accounts information and feed your credit models with ready-to-use insigths.

Build a 360° picture

Access categorized data for full visibility over your customers' financial lives.

secure and private DATA

Belvo is ISO 27001 certified and we follow bank-grade security standards to protect your data.

Build better
financial experiences

Boost your customers’ financial management

Correctly map customers’ spending categories, income, as well as their recurring expenses and subscriptions, to create personalized finance management tools.

Optimize credit decisions and reduce risks

Better assess affordability and offer your customers tailor-made repayment options. Decrease payment default risk while you increase loan acceptance rates.

Lending with Belvo

STREAMLINE onboarding AND check IDENTITY

Long forms kill conversion. By connecting your bank account, you import validated registration data (name, CPF/CNPJ, ownership) directly from the originating financial institution.

Convert raw banking data into valuable insights

Categorization

Categorize and enrich transactions using machine learning

Our categorization engine accurately categorizes transaction categories and identifies the correct merchant with 85% accuracy. Using machine learning, we transform raw transactions into omprehensive insights.

Discover Categorization

Income verification

Assess users’ income from multiple sources

Get a thorough understanding of their financial health. Thanks to AI-based models, improve your income verification capabilities and accurately understand your users’ ability to pay.

Verify income

Recurring expenses

Understand recurring spending habits

Understand spending patterns to obtain insights about their repayment risk for loans or offer them advice on how to improve their financial health.

Flag recurring expenses

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.

Discover Risk insights

Access comprehensive and detailed banking data

Transactions

Access up to 24 months of standardized and categorized transactional data for personal and business bank accounts.

Link documentation

Accounts

Get users’ account information and complete details on business and personal financial products held within each bank.

Link documentation

Owners

Retrieve account holder information, including name, e-mail, date of birth, and phone numbers.

Link documentation

MCP servers for banking data

Plug your agents into banking data in minutes

Three specialized MCP servers for banking data: faster integration, live access to verified account and transaction data, and portfolio-wide analysis.

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LIVE Developer MCP

Integrate faster with AI assistance

Cut integration time from weeks to minutes. Your AI client reads our documentation, writes the code and debugs the errors itself.

The right endpoint and a working example, so it writes code that runs.
Free and open — no account needed. Works in Cursor, VS Code, Claude Code and Codex.

Check it now

Use the Developer MCP to scaffold a Belvo income verification call for a Brazilian user and show me a sandbox response.

Here's a working example using Belvo's Developer MCP:

# pip install requests
import requests
r = requests.post(
  "https://sandbox.belvo.com/api/incomes/",
  auth=(secret_id, secret_password),
  json={"link": "30cb4806-6e00-48a4-91c9-ca55968576c8"})

# → 200 OK
{ "monthly_average": 4500.00,
  "number_of_income_streams": 1 }

LIVE Data Access MCP

Access users' verified data

Decide on verified records instead of rough estimates. Your agent pulls banking, employment and fiscal data from plain-language questions.

Earnings and employer as filed at the source, plus categorized spending.
Every pull enforces user consent and leaves an audit trail.

How much did this user spend on Uber over the last year?

R$ 4.312,80 across 214 rides in the last 12 months.

Quarter	Rides	Spend
Q3 2025	48	R$ 962,40
Q2 2025	57	R$ 1.148,10
Q1 2025	61	R$ 1.284,60

How it works

By using Belvo’s data, we reduced our credit risk by half.

Joao Paulo Borges

Head of 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

Safely connect to your customers' banking data