Open Banking gives Konfir access to transaction data from the bank accounts an applicant chooses to connect. Konfir reads that data to identify sources of employment and/or income, using indicators such as payee name, transaction frequency, amount and metadata.

Konfir supports the banks that most of the UK is paid into, including every major high street brand and the main digital banks.

Applicants can connect any supported UK bank account they have online banking access to.

Two things determine whether a provider is supported: whether the provider offers Open Banking access, and whether Konfir has enabled a connection to it.

Konfir retrieves 6 years of transaction history by default, which is the longest window most UK banks make available through Open Banking. The below providers offer a more limited transaction history window:

Where a verification needs evidence from further back than the connected account provides, another enabled data source may cover the gap.

Either the brand isn't supported for Open Banking connections, or they're looking at an account type that can't be connected - a credit card or a savings-only account.

Selecting an unsupported bank moves the applicant on to the next available data source, and they can complete the verification that way.

Yes, and they should. If income arrived in more than one account during the period being verified, every one of those accounts needs connecting for the timeline to be complete.