Our products

A suite of simple, secure and flexible APIs for the next generation of financial services

 

The most complete platform

01 Aggregation

Aggregation

Access the whole of the Open Banking ecosystem via a single API. Build services based on the whole picture of customers' finances.

  • Access over 90% of UK current accounts
  • Integrate once and get standardised transaction data
  • Stay up to date with the latest open banking standards
  • Use a fully licensed AISP under FCA and PSD regulations
  • Be the first to use open banking in Europe, Australia and the US (coming soon)
02 Enrichment

Enrichment

Machine learning driven enrichment services add an unrivalled level of context and insight to financial data. A suite of APIs enabling smarter, more personalised services.

  • Categorise spending with speed and accuracy
  • Detect merchants and transaction tags
  • Identify regular, upcoming and salary payments
  • Build budgeting and PFM services
  • Report on affordability and assets
03 Marketplace

Marketplace

Distribute products intelligently to customers through our intelligent marketplace. One integration will provide access to a range of products from fintechs and financial services providers.

  • Make intelligent, contextual product introductions
  • Access product inventory from Bud's partners
  • Choose from a range of verticals - from Utilities to Insurance and more
  • Use both read and write APIs
  • Reduce friction for onboarding journeys 
  • Open up new revenue streams

Security at the heart of Bud

We're obsessed with security, it's in our DNA. User data is encrypted in transit and any data stored is encrypted with a unique key for each user.

Developer friendly

Simple, standardised access to all the tools you need to build new financial experiences. For access to our sandbox environment and API documentation, talk to one of our team.

 

{

"account_id": "100000",

"transaction_id": "7affc586-5600-4434-ac5f-1a845260d7d9",

"transaction_type": "DEB",

"date": "2018-01-01",

"time": "13:56:00",

"transaction_description": "Pret a Manger Old St",

"creditor": {

"name": "PRET A MANGER",

"address": "1 Old Street, London",

"scheme": "SortCodeAccountNumber",

"identifier": "20202080009000"

},

"debtor": {

"name": null,

"address": null,

"scheme": null,

"identifier": null

},

"credit_debit_indicator": "Debit",

"amount": {

"value": "7.75",

"currency": "GBP",

"local_currency": "GBP",

"local_value": "7.75"

}

}

{

"account_id": "100000",

"transaction_id": "7affc586-5600-4434-ac5f-1a845260d7d9",

"transaction_type": "CSQ",

"date": "2019-01-01",

"time": "13:56:00",

"transaction_description": "This is a sample transaction",

"creditor": {

"name": "This is a sample transaction",

"address": "1 Old Street, London",

"scheme": "SortCodeAccountNumber",

"identifier": "08080021325698"

},

"credit_debit_indicator": "Debit",

"amount": {

"value": "10.00",

"currency": "GBP",

"local_value": "10.00",

"local_currency": "GBP"

},

"enrichment": {

"regular_payments": {

"label": "3",

"score": "0.99",

"period": "monthly"

}

}

}

Need advice on how you can use Bud's services to build platforms like these?

The Bud app

We test new use-cases and partner capabilities in our own app. A place where we can explore the role marketplace banking can play in solving the problems that real people face every day.

Apply to join our group of beta testers.

Stay in touch

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The Bud app

Coming soon. Sign up here to be the first to access the new app.

Contact us

We work with some of the largest and most influential financial services companies in the world. If you want to easily distribute Bud’s services to your customers, get in touch.

Contact us

We work with some of the largest and most influential financial services companies in the world. If you want to easily distribute Bud’s services to your customers, get in touch.

Contact us

We work with some of the largest and most influential financial services companies in the world. If you want to easily distribute Bud’s services to your customers, get in touch.

Contact us

We work with some of the largest and most influential financial services companies in the world. If you want to easily distribute Bud’s services to your customers, get in touch.

Contact us

We work with some of the largest and most influential financial services companies in the world. If you want to easily distribute Bud’s services to your customers, get in touch.

Register to access the API documentation

We're currently phasing in access to our API docs. Register here and we'll let you know when they become public.

Beyond Open Banking

Part one of a two part report looking at what people want from Open Banking and how the finance industry is gearing up to provide it.

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Beyond Open Banking

Register here for exclusive early access to the Beyond Open Banking report looking at what people want from Open Banking and how the finance industry is gearing up to provide it.

Enter your details below to receive your copy.

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