Open Banking Income Verification for EU Lenders (2026)

The applicant consents to share their bank account; the provider retrieves recent transactions via account information (AIS) APIs and identifies recurring credits as income streams. Results are returned in seconds without payslips, and because the data comes straight from the bank it is difficult to falsify. Coverage depends on whether the applicant’s bank is connected in your market.

Plaid (Income), Tink (Income Check), TrueLayer and Yapily (verification add-ons) all offer income or account verification on top of their account-information APIs. Availability and product names vary by region — confirm the specific market and bank coverage you need before committing.

Generally yes: it reads income directly from the bank rather than from documents that can be edited, and returns instantly. The trade-offs are connection coverage for the applicant’s bank and the need for the applicant to consent to a bank link, so many teams offer it alongside a document-upload fallback.