---
title: "truID: Open Banking API in South Africa"
description: "Connect SA bank accounts via API, pull transactions/statements in real time, standardise spend into 40+ categories, verify income at 98%."
canonical_url: "https://liners.com/truid"
markdown_url: "https://liners.com/truid.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/truid/screenshot.webp?v=1784411266501"
published_at: "2026-07-23T06:35:54.865Z"
updated_at: "2026-09-12T03:02:01.126Z"
---

# truID: Open Banking API in South Africa

Connect SA bank accounts via API, pull transactions/statements in real time, standardise spend into 40+ categories, verify income at 98%.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [truID](/truid)

## Summary

Consent-based access to banking data and credit insights

An Open Finance API for South African businesses to connect bank accounts, retrieve transactions and statements, and generate income, affordability, and risk insights with consent.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.truid.co.za/ |
| Tagline | Consent-based access to banking data and credit insights |
| Primary country | South Africa |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

truID is a South African Open Finance platform for businesses that need consent-driven access to consumer and business banking data for onboarding, credit, and risk decisions.

Key capabilities include:
- **Consent management and customer engagement**: collects explicit customer consent and provides **truID UI** plus a **customisable UI** to support customer journeys across sales channels.
- **Bank connectivity via a premium API**: connects applications to supported bank accounts to retrieve **transaction history**, **bank statements**, and **account information** in real time.
- **Data capture and standardisation**: ingests data **direct from bank**, from **ePDF statements**, and from **scanned statements**, then **standardises data across banks** and categorises it into **40+ income and expense categories**.
- **Decisioning insights**: provides **income verification (98% accuracy stated on the website)**, **automated affordability**, and **credit score v1**, plus account checks such as **ownership verification**, **balances**, and **account types** (positioned as “the new AVS”), with support for **fraud identification**.

Available via **Web** and **API**.

Target users include **credit providers, telecoms, retailers, insurers, credit bureaus, wealth advisors, banks, and fintechs** operating in South Africa.

truID is notable in the South African market for its focus on **consent, privacy, and control** while supporting credit and affordability workflows that reference **NCR compliance** and Open Finance-based data access.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [KYC Provider](/tags/kyc-provider): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/truid/alternatives)
- [Reviews](/truid/reviews)
- [Transparency](/truid/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/truid)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)