GoCardless Bank Account Data, explained
GoCardless Bank Account Data is an account information API with roots in Nordigen. Developers use it to retrieve bank accounts, balances, and transactions. Synci uses GoCardless as an upstream provider and adds a managed product for connecting that data to apps and AI assistants.
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What does GoCardless provide?
- GoCardless documents account holder names and IBANs, transaction dates, counterparties and amounts, plus current and available balances.
- Its published account-information coverage includes all EEA countries subject to PSD2.
- API access uses a user secret from the Bank Account Data portal to create access tokens. Endpoints return JSON.
- Banks can limit requests to as few as four calls per day per account, with separate limits for account details, balances and transactions.
What happened to Nordigen?
GoCardless acquired Nordigen in 2022. If an older tutorial refers to Nordigen bank sync, follow the current Bank Account Data documentation rather than assuming the old signup flow still applies.
Sources: GoCardless: the Nordigen acquisition
Can new users sign up?
Actual Budget’s documentation says new Bank Account Data accounts stopped being accepted in July 2025, while existing accounts should continue working. This is a notice about that signup route, not a claim that GoCardless has shut down its API or payment products. Confirm your own eligibility with GoCardless.
What a direct integration involves
- Obtain provider access and credentials, then implement token handling on your server.
- Let users select a bank, complete consent, and return to your application.
- Retrieve the permitted accounts, balances, and transactions; handle rate limits, failures, and reconnection.
- Build the storage, transaction cleanup, and destination integration your product needs.
When to use the API, and when to use Synci
Direct access fits a team that already has provider access and wants to build its own bank-data product. It gives you responsibility for the application around the API.
Synci fits someone who wants to connect their accounts and use them in supported destinations. It adds connection management, normalized data, rules, optional enrichment, account selection, SimpleFIN, MCP, and a separate Synci API. It does not remove the upstream bank’s limits or replace GoCardless’s connectivity network.
Building an app for your users?
For budgeting and personal finance apps, you can also use Synci for your users’ connections. Synci Managed apps connect your users’ bank and brokerage accounts through a Synci-hosted portal. Your users do not need a Synci account.
Register users from your backend through the Managed Users API and receive transactions and connection events by webhook. Managed apps are priced per active connection, with no provider application, AISP licence or bank integration work on your side.
Questions and answers
- Is Synci a different bank connectivity network?
- No. Synci uses upstream providers, including GoCardless. The difference is the managed connection and destination layer around that connectivity.
- Should an existing GoCardless user migrate?
- Not necessarily. If your current integration works and meets your needs, the signup notice alone is not a reason to replace it. Compare the maintenance work and destination features you actually need.
Sources and verification
Checked on 25 September 2026. Provider details can change; follow the linked documentation for current setup requirements.
Synci uses GoCardless Bank Account Data as one of its connectivity providers. This guide is independent and is not endorsed by GoCardless. All product names and trademarks are the property of their respective owners.
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