We have partnered with contents.online (who are part of Equifax) to provide you with a safe and secure way to share your information online using open banking technology.
As part of the application process, we need to carry out affordability checks which requires you to share your bank statement data.
In order to make this easier, quicker and more secure, you can simply give consents.online permission to share your account information online or by using your mobile phone. They will then give us read-only access so we can finish processing your application.
Consents.online are an Equifax company, and an Account Information Service Provider (AISP) regulated by the Financial Conduct Authority (FCA). They offer a quick, easy and secure way to provide your information, using open banking.
In addition to helping you share your data in a safe and secure way consents.online also provide you with access to a free portal (available online and via an app) where you can see what you’ve shared, control and revoke access to your data at any time. Should you choose to revoke access, it will mean that consents.online and any services you previously granted access to will no longer be able to view your information, unless they are required to store it by law, putting you in control of your data.
You can view consents.online credentials here.
Consents.online will connect to your account directly using open banking APIs. An API - or Application Programming Interface - is a software intermediary that allows two applications to securely talk to each other.
When it comes to open banking, think of it as secure packages of data being transferred between two places. It's extremely secure and delivers only what is necessary and nothing more. Consents.online make a request via the API, your bank responds to it by packaging information up, encrypting it and sending back - but the distance between the two is always maintained .
Open banking is the secure way to give providers access to your financial information. Open banking APIs are made available to consents.online by your bank under the new open banking regulations which is regulated, monitored and built on the principles of GDPR. To access these APIs, consents.online must hold a licence and be authorised by the FCA.
Consents.online uses rigorously tested software and security systems. By using consents.online to share your data you’re always in charge. You can decide what information can be accessed and for how long. No one gets access unless you say so!
It’s as simple as logging into your online banking! First you will need to enter in some basic information like your name and phone number, you will then be asked to select your bank and authenticate yourself using online banking. You can find a list of compatible banks at the bottom of this page.
This looks just like your online banking log in and is a service provided directly by your bank. Consents.online will then attempt to make a secure connection with your bank account. This may take up to 2 minutes. Please wait until you see the screen that says, 'Connection Successful' before you log off.
Consents.online work directly with the bank to provide this service.
Step One: Click on this fast track link which will let you connect with consents.online - https://connect.consents.online/bluestone
Step Two: Enter your company information and who you bank with.
Step Three: Allow us to gain read-only access to financial information.
Step Four: Authenticate consent in your online banking or banking app.
If you would like to speak to someone to discuss open banking, or would like further information, contact us and a member of our team will be happy to talk you through it.
Last Updated: April 2024. Version: BS.202309.01.FS13
We know finance can be complex and often it's easier to talk things through. Drop us a message or give us a call 0330 135 8660 and we'll get back to you ASAP.
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