Aggregation

Bring together the open banking ecosystem, first-party data and more

  • Currency pound international

    Universal access

    Provide user access to more than 90% of UK current accounts and use eIDAS certificates for PSD2 connections

  • Certified ribbon

    Regulated provider

    Use a TPP regulated by the FCA and registered as an AISP and PISP under Open Banking

  • Saving bank cash

    Latest open banking standards

    Access data in the format prescribed by the latest Open Banking standards

  • Data transfer horizontal

    First party data

    Connect your organisation's data to Bud's enrichment and distribution services

  • Credit card

    Credit cards (Coming in September)

    Open banking standards 3.1 will extend their remit to credit cards and more in September 2019

  • Database

    Balance, account information and transactions

    Access the data in the format prescribed by the latest Open Banking standards v3.1

01 Now Next in Open Banking 1

Now and next in Open banking

V3.1 of the Open Banking standards (September 2019) extends its remit to include: Current accounts, Savings, Credit Cards, Charge Cards, EMoney, Loans, & Mortgages

02 Fully Regulated by FCA 1

Fully regulated by the FCA

Bud is regulated as a TPP on the Open Banking Registry. It is registered as an AISP, a PISP and authorised for introducing financial products

03 More Than Open Banking 1

More than open banking

Open banking is just the beginning. Bring together standardised data from banks with read APIs from marketplace partners to provide a 360° picture of customer finances.

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.

 

{
  "operation_id": "accounts_get_one",
  "data": {
    "account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "currency": "GBP",
    "account_type": "Personal",
    "nickname": "Holiday Funds",
    "details": {
      "scheme_name": "UK.OBIE.SortCodeAccountNumber",
      "identification": "80200110203345",
      "name": "Mr Kevin",
      "secondary_identification": "00021"
    }
  }
}
{
  "operation_id": "transactions_get",
  "data": [
    {
      "raw_transaction": {
        "account_id": "aa86f72c-476a-3355-b54c-614a815fae40",
        "transaction_id": "5ddc4ac7-ec5f-3017-98de-571288f8b9c2",
        "transaction_reference": "980ef9ba0211a05ee3ca92ed2c38b77ec8a49d5cb5c7d72e3dcdb9981a025e74",
        "amount": {
          "amount": "8.90",
          "currency": "GBP"
        },
        "credit_debit_indicator": "Debit",
        "status": "Booked",
        "booking_date_time": "2018-06-02T00:00:00Z",
        "value_date_time": "2018-06-02T00:00:00Z",
        "address_line": "LONDON GB",
        "transaction_information": "ITSU 8732",
        "bank_transaction_code": {
          "code": "ReceivedCheques",
          "sub_code": "Cross-BorderCreditTransfer"
        },
        "proprietary_bank_transaction_code": {
          "code": "34224842700",
          "issuer": null
        },
        "balance": {
          "amount": {
            "amount": "231903.00",
            "currency": "GBP"
          },
          "credit_debit_indicator": "Credit",
          "type": "InterimBooked"
        },
        "merchant_details": {
          "merchant_name": "THE PASTY SHOP",
          "merchant_category_code": null
        },
        "statement_reference": [
          "REF 01",
          "REF 02"
        ],
        "equivalent_amount": {
          "amount": {
            "amount": "8.90",
            "currency": "GBP"
          },
          "currency_of_transfer": "GBP"
        },
        "creditor_agent": {
          "scheme_name": "BICFI",
          "identification": "AlphaBank"
        },
        "creditor_account": {
          "scheme_name": "IBAN",
          "identification": "Bobs Bills",
          "name": "Account1",
          "secondary_identification": null
        },
        "debtor_agent": {
          "scheme_name": "IBAN",
          "identification": "Bobs Bills"
        },
        "debtor_account": {
          "scheme_name": "BICFI",
          "identification": "AlphaBank",
          "name": null,
          "secondary_identification": "4435534GG"
        },
        "card_instrument": {
          "card_scheme_name": "AmericanExpress",
          "card_authorisation_type": "Contactless",
          "cardholder_name": "Mr Bob Smith",
          "identification": "PAYMENT xxxxx"
        }
      },
      "enrichment": {
        "categoriser": {
          "category_id": 6,
          "category_name": "food and drink"
        },
        "regular_payments": {
          "label": 3,
          "score": 0.99,
          "period": "monthly"
        }
      }
    },
    {
      "raw_transaction": {
        "account_id": "aa86f72c-476a-3355-b54c-614a815fae40",
        "transaction_id": "861e81cc-ef5b-328c-bec5-d478f484e7a5",
        "transaction_reference": "Ref df876667-64d1-394f-a09d-8309896aef02",
        "amount": {
          "amount": "464.70",
          "currency": "GBP"
        },
        "credit_debit_indicator": "Debit",
        "status": "Booked",
        "booking_date_time": "2018-06-03T00:00:00Z",
        "value_date_time": "2018-06-03T00:00:00Z",
        "address_line": "West Kaia",
        "transaction_information": "1855 13Mar19 HAWES & CURTIS LTD LONDON GB",
        "bank_transaction_code": {
          "code": "ReceivedCashConcentrationTransactions",
          "sub_code": "SEPACreditTransfer"
        },
        "proprietary_bank_transaction_code": {
          "code": "87475681404489",
          "issuer": "QBFDYBLL"
        },
        "balance": {
          "amount": {
            "amount": "231590.67",
            "currency": "GBP"
          },
          "credit_debit_indicator": "Credit",
          "type": "OpeningAvailable"
        },
        "merchant_details": {
          "merchant_name": "Mr. Gideon Rowe PhD",
          "merchant_category_code": "UEKPPR30AVJ"
        },
        "statement_reference": [
          "REF 3",
          "REF 5"
        ],
        "equivalent_amount": {
          "amount": {
            "amount": "244.66",
            "currency": "GBP"
          },
          "currency_of_transfer": "GBP"
        },
        "creditor_agent": {
          "scheme_name": "IBAN",
          "identification": "IncBank"
        },
        "creditor_account": {
          "scheme_name": "BICFI",
          "identification": "Bobs Bills",
          "name": "Account1",
          "secondary_identification": null
        },
        "debtor_agent": {
          "scheme_name": "BICFI",
          "identification": "and Sonsbank"
        },
        "debtor_account": {
          "scheme_name": "BICFI",
          "identification": "Prof. Grayce McClure V",
          "name": "Account1",
          "secondary_identification": "FCPSRD9X"
        },
        "card_instrument": {
          "card_scheme_name": "Visa",
          "card_authorisation_type": "PIN",
          "cardholder_name": "Tommie Greenholt",
          "identification": "TXOWTLKN"
        }
      },
      "enrichment": {
        "categoriser": {
          "category_id": 11,
          "category_name": "shopping"
        },
        "regular_payments": {
          "label": -1,
          "score": 0,
          "period": "uknown"
        }
      }
    }
  ],
  "metadata": {
    "from": "2018-06-02",
    "to": "2018-06-03",
    "results": 2
  }
}

Security at the heart of what we do

Bud works security-first and takes an industry leading approach to the safety of user data.

All data is encrypted both in transit (as it moves around the platform) and at rest (when it is stored).

Each user's data is encrypted with a unique key and is only decrypted at the point of use by the user. This data cannot be decrypted at any other point, even by Bud.

To find out more about the platform, drop us your details and we'll be in touch shortly

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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.

Access our API documentation

We're phasing in access to our API documentation. If you'd like test the platform out, leave us a note below and we'll be in touch.