Income evidence, with consent
Open Banking
Use consented account data as one possible income and affordability input. It is not a substitute for adverse-credit checks.
Page scope
What this page covers.
The content is organised around evidence, responsibility and limitations, not an unexplained pass or fail.
- 01Explicit applicant consent and a defined data purpose
- 02Income-pattern evidence from a contracted provider
- 03Clear separation from credit and public-record findings
- 04An alternative route when an applicant does not use Open Banking
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