Banks connected
Countries covered
API response time
Compliant messaging
Full-stack banking connectivity
📊 Account data
Retrieve account holder names, IBANs, account types, and currency info from 300+ institutions. Normalised into a single consistent schema.
💰 Balance checks
Real-time balance lookups with available vs. ledger balance distinction. Use for credit underwriting, fraud signals, or payment eligibility checks.
💸 Payment initiation
Initiate bank transfers directly from your app without collecting card details. Reduce PCI scope, increase conversion, lower transaction costs.
📋 Statement retrieval
Pull up to 24 months of enriched transaction history. Categorised, deduplicated, and merchant-mapped — ready for underwriting or analytics.
🔏 Consent management
AfriLink handles the full OAuth consent flow — compliant with each country's open banking framework. Users grant, review, and revoke access in one place.
📐 ISO 20022 aligned
All messages use ISO 20022-compatible structures. Future-proof your integration and interoperate with Swift, central bank systems, and regional clearing houses.
Fetch a bank balance in 3 lines
Works identically for GTBank Lagos, Equity Nairobi, and FNB Johannesburg.
Authorization: Bearer {access_token}
// Response
{
"available": 12450.00,
"ledger": 13200.00,
"currency": "KES",
"as_of": "2026-05-28T09:14:22Z"
}
Who builds with AfriLink Open Banking
Credit underwriters
Use real bank data for income verification and affordability checks — no payslips required.
PFM apps
Build personal finance tools that aggregate accounts from every bank a user holds.
Pay-by-bank checkouts
Offer bank transfer as a first-class checkout option without card rails or wallet balances.
Premium collection
Debit insurance premiums directly from customer bank accounts on schedule.
Connect Africa's banks with one integration
Sandbox access is free and instant. Production requires a simple compliance onboarding — our team guides you through every step.