Setu Account Aggregator

Access rich financial data with user consent

Handle income verification, credit monitoring, and personal finance management, with a single integration.
Replace broken solutions like screen scraping, SMS reading or file uploads. Make user on-boarding seamless and reduce drop-offs enormously.

Join us on Slack for regular product updates. Work with Setu and its licensed Account Aggregator partners—

Share income data

Share via—



←  Share income data

Step 1

Connect bank accounts

Step 2

Approve data sharing

Powered by RBI-licensed Account Aggregator



← Connect accounts

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Change number

Powered by RBI-licensed Account Aggregator

Connect with OTP

Enter 6-digit OTP




← Approve sharing

Connected accounts

Bank data for last 6 months





Powered by RBI-licensed Account Aggregator




Your bank statement data will be shared with Acme shortly

Powered by RBI-licensed Account Aggregator

A user giving consent to share bank statement with a business called Acme

The fastest way to connect financial accounts

Let your users share their financial information with ease to massively improve verifications, on-boarding and product experience.

Unlock diverse use cases

Create products on top of financial data that your users have agreed to share.
Underwrite credit
Get transaction data to verify income or monitor spending and offer appropriate loans.
Monitor loans
Assess how your customers use their credit line and improve prediction of defaults.
Build recommendation engines
Suggest investment/savings products to customers.
Enable finance management
Fetch data to show users a summary of spends, investments and more.
Verify users
Verify name, address, bank account details and PAN easily.

and more use cases

Get access to—
  • Bank account data

  • Credit card transactions

  • Insurance details

  • Mutual funds

  • Deposits

  • ...and more


Get actionable insights from financial data

  • Customised data points for your use case

  • Highest accuracy rates for identifying financial indicators

  • Industry best pricing

  • Easy setup and documentation

  • Outputs in any format—XML, JSON, XLS

Responsive UX

Use responsive mobile and desktop screens to on-board users onto the AA framework.

Themeable UI

Set custom logo, colours, fonts and language to match your brand.

Enable complete control for users

Let users review the duration and frequency of data fetch, and then decide to share their data.

  • Highlight recognised institutions to establish trust

  • Let users know why and how data is shared

  • Help users understand the pros and cons of sharing data

The best experience for developers and your users

Hassle-free integrations

We take care of any regulatory need, letting you focus on what you do best—building and experimenting.

Consent, front and centre

Build trust with users when requesting for their financial data—add details on usage and storage.

Full-fledged sandbox

Test mock flows for user registration, data requests, consent approvals, rejections or expiry.

Customised testing

Use Setu’s high quality mock data to test how consent artefacts work in reality.

What are Account Aggregators?

Account Aggregators are RBI-regulated NBFC entities that allow a person to share and manage their financial data with companies under the new Data Empowerment And Protection Architecture framework. Learn more ↗

Financial data is only shared once the customer reviews a data request and approves it. Setu currently partners with licensed NBFC AAs, to help provide pre-built, customisable screens for users to register, approve/reject/manage data consent requests.

AA data flow infographic

What are FIPs and FIUs?

An FIP, is a financial information provider—like a bank or an insurance company—that is able to share financial data around a user of their product or service.

An FIU, or financial information user, is an entity that is requesting for data from an FIP—for their customer—for purposes like verification or enabling financial products for users.

How does the Account Aggregator consent framework work?

When an app/website requests for financial data from a customer, the customer can review details of the data request on an Account Aggregator app/website that they have registered with. The data request includes details like—

  • Type of data

  • Purpose and frequency of request

  • Duration of access to the data

...and more

An FIU, or financial information user, is an entity that is requesting for data from an FIP—for their customer—for purposes like verification or enabling financial products for users.

The customer uses this information to approve or reject the request with a simple PIN based authentication.

A customer can also revoke consent for the data being shared. This gives complete control to users and also opportunities to financial apps and websites to build trust with their customers.