§ 01 · Architecture
The data never detours.
You authenticate directly with your bank. GoCardless holds an OAuth token; it can only request read-scope transactions. Trout receives the transactions — never the key.
Holds your credentials
Your bank
TRUST
OAuth login
PSD2
EU-regulated aggregator
GoCardless
READ ONLY
Signed fetch
TLS 1.3
Your ledger
Trout
NEVER SEES PASSWORDS
✓ What flows
- Transaction amount and currency
- Payee name (as bank reports it)
- Posted date
- Memo / reference
- Account balance (at refresh time)
× What doesn't
- Your username or password
- Your full card number
- SMS / 2FA codes
- Your bank's contact info on file
- Anything from other banking products
§ 02 · Coverage
A specimen of forty.
A cross-section of the 2,500+ supported banks. If yours isn't listed here, it's almost certainly supported — search by country during setup.
✓Revolut
✓Monzo
✓Starling
✓Wise
✓N26
✓bunq
✓Deutsche Bank
✓BNP Paribas
✓Société Générale
✓ING
✓ABN AMRO
✓Rabobank
✓Santander
✓BBVA
✓UniCredit
✓Intesa Sanpaolo
✓Erste Group
✓KBC
✓Nordea
✓Handelsbanken
✓SEB
✓Danske Bank
✓Crédit Agricole
✓HSBC
✓Lloyds
✓Barclays
✓NatWest
✓Commerzbank
✓DKB
✓Sparkasse
✓Raiffeisen
✓Swedbank
✓DNB
✓OP
✓Bank of Ireland
✓AIB
✓Banco Santander
✓CaixaBank
✓Sabadell
✓BPER
+ 2,460 more
§ 03 · Compliance
Regulated where it matters.
PSD2 is the European framework that made Open Banking a right, not a favour. GoCardless has been licensed under it since 2018, audited annually, and is supervised by the UK FCA.
Certified
PSD2
Open banking directive
This service is provided by GoCardless Ltd.
FCA registration No. 597190
Audited · 2025
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