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How to View Multiple Bank Accounts in One App with Open Banking

Tap through the steps in order to see how it works.

  1. Understand what open banking is

    In many countries, open banking is a regulated framework that lets you securely share your financial data across institutions, so a single app can display accounts held at multiple different banks.

  2. Find the account-linking menu

    In a budgeting or personal finance app, look for an "accounts," "link accounts," or "open banking" section, usually under settings or a dedicated menu tab.

  3. Verify that each account belongs to you

    For every account you want to connect, you will need to complete an identity or ownership verification step, confirming that the account is registered in your name.

  4. Check balances and transactions in one screen

    Once verification is complete, you can view balances and recent activity across all your linked banks from a single app, without switching between separate logins.

  5. Why it's useful

    Instead of opening a separate app for every bank to check your balance, you can see everything from your main checking account to a savings account at another bank in one place, which makes tracking your overall finances far easier.

It runs on regulated, permissioned data sharing

Open banking is not the same as handing over your login credentials to a third party β€” it works through a regulated, permission-based system where you explicitly approve what data gets shared and can revoke that access at any time. Rules and available features vary by country, so it is worth checking what applies where you bank.

It pairs well with a budgeting app

Once your accounts are aggregated in one place, feeding that data into a budgeting tool makes automatic expense tracking far more complete, since it can pull in activity from every linked account rather than just one.

Frequently Asked Questions

Is it safe to link all my bank accounts this way?

Reputable open banking implementations use bank-level encryption and only share what you explicitly authorize, and you can typically unlink an account at any time. That said, only use apps from established providers and review the permissions you are granting before connecting an account.

Can I use open banking to link accounts at banks in different countries?

It depends on the app and the regulations in each country β€” open banking frameworks are generally set up within a single country's financial system, so cross-border linking is often limited or unsupported. Check your app's supported institutions list to be sure.