Consumers

One app to enable open banking insights.

The Token mobile app allows you to view your account balances from a growing list of European banks, enabling financial insights at no cost to you.

Of course, your explicit consent is required for Token to access your account and to permit your balances to be presented in the mobile app.

Token.io Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (FCA reference number 795904) for the provision of payment services, specifically account information and payment initiation services. For more information, please visit our End User Terms of Service.

The open banking features you need

High security

Token uses your smartphoneโ€™s secure biometric functions for authentication and authorisation and all data is encrypted.

Explicit consent

Requests to access your account require your explicit consent and are approved via your bank approval processes.

In your control

View, cancel, or change an authorisation with a simple swipe.

Free of charge

Using the Token mobile app for your open banking account needs is entirely free of charge.

Open banking - a new banking era

Open banking has been enabled through an EU law called the Payment Services Directive โ€œPSD2โ€, which requires European banks to allow users to access account information and payments via permitted third parties.

PSD2 aims to promote the development and use of innovative online and mobile payments, and make cross-border European payment services safer.

Allowing third parties to access your bank account will potentially enable many new future services that will help you better manage your money.

Token is one of the pioneers in open banking and we work closely with many banks and other financial services organisations to continuously improve your open banking experience.

The Token app is available for beta testing in the App Store.

Let’s talk

Interested in finding out more? Get in touch and our team will contact you as soon as possible.

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