Bank Data Sharing 2 min read
The Open Finance Banking Data Sharing capabilities enable secure, consent-driven access to customer banking data. These services empower licensed third-party providers (TPPs) to deliver account aggregation, financial management tools, lending assessments, and value-added digital services.
All data access operates under explicit customer consent, with granular permission scopes, strict expiry controls, and full auditability.
Bank Data Sharing Provider
Access to the Bank Data Sharing APIs requires the BDSP role. This role must be assigned to your application in the Trust Framework before making any account information requests. See Roles for the full list of scopes and grant types this role permits.
Account & Balance Information
Provides consented access to core account data, including account identifiers, account types, currency, and status. Enables retrieval of real-time and available balances, overdraft limits, and related account details.
Historical Transaction & Statement Data
Provides access to transaction and statement history, including debit and credit entries, references, amounts, running balances, booking and value dates, and associated metadata where available. Supports filtering by consented date ranges and statement periods.
Party & Account Holder Information
Allows access to verified account holder details, including name, Emirates ID (where permitted), contact information, and KYC verification status. Data sharing is subject to explicit consent scope and regulatory data minimisation principles.
Regular Payments
Provides access to configured payment instructions and beneficiaries, including beneficiary details, standing orders, direct debits, and scheduled and recurring payments. Enables visibility into existing payment commitments and setup information.
Product Information
Provides structured information on banking products associated with the account, including fees, charges, rewards, benefits, eligibility criteria, and key product features. Supports transparency and comparison of product terms under customer consent.
Endpoint & account type coverage
Not all endpoints are available for every account subtype, and not all account subtypes are available for every account type.
Account subtypes by account type
CurrentAccountSavingsCreditCardFinanceMortgageEndpoints by account subtype
GET /accountsGET /accounts/{AccountId}GET /accounts/{AccountId}/balancesGET /accounts/{AccountId}/transactionsGET /accounts/{AccountId}/statementsGET /accounts/{AccountId}/productGET /partiesGET /accounts/{AccountId}/partiesGET /accounts/{AccountId}/beneficiariesGET /accounts/{AccountId}/direct-debitsGET /accounts/{AccountId}/scheduled-paymentsGET /accounts/{AccountId}/standing-ordersWhich LFIs are live for Account Information
LFIs currently serving Account Information requests across UAE Open Finance.
Browse this section
The full set of pages for the Bank Data Sharing API.
Bank Data Sharing — Requirements
Validation rules and behaviour every Bank Data Sharing endpoint must follow.
Bank Data Sharing — API Guide
Implementation notes, payload structure, pagination, and worked examples.
Bank Data Sharing — User Journeys
The end-to-end flows your customer experiences when sharing data through your application.
Get Accounts
OpenAPI reference for the GET /accounts endpoint.
Get an Account
OpenAPI reference for the GET /accounts/{AccountId} endpoint.
Get Balances for an Account
OpenAPI reference for the GET /accounts/{AccountId}/balances endpoint.
Get Beneficiaries for an Account
OpenAPI reference for the GET /accounts/{AccountId}/beneficiaries endpoint.
Get Direct Debits for an Account
OpenAPI reference for the GET /accounts/{AccountId}/direct-debits endpoint.
Get Customers
OpenAPI reference for the GET /parties endpoint.
Get Customer for an Account
OpenAPI reference for the GET /accounts/{AccountId}/parties endpoint.
Get Scheduled Payments for an Account
OpenAPI reference for the GET /accounts/{AccountId}/scheduled-payments endpoint.
Get Standing Orders for an Account
OpenAPI reference for the GET /accounts/{AccountId}/standing-orders endpoint.
Get Statements for an Account
OpenAPI reference for the GET /accounts/{AccountId}/statements endpoint.
Get Transactions for an Account
OpenAPI reference for the GET /accounts/{AccountId}/transactions endpoint.