The quick and secure way to share your bank statements electronically.
This is available to all customers with online bank accounts.
If you apply for a finance product brokered by Jigsaw Finance Limited, we may ask you for proof of income and/or expenditure - this proof may include bank statements. Rather than asking you to send us copies of your bank statements, we may send you a link to consents.online, a secure third party system, where you can provide consent to share your bank statements with Jigsaw Finance Limited.
Open banking is a secure way for customers to take control of their financial data and share it securely with organisations with the help of their bank.
Open Banking uses bank-level security as well as rigorously tested software and security systems. You'll never be asked to give access to your bank login details or password to anyone other than your own bank or building society.
Open Banking is highly regulated – only apps and websites regulated by the FCA or European equivalent can enrol in the Open Banking Directory.
consents.online is a third party system that offers a quick, easy and secure way to share your information with Jigsaw Finance Limited using Open Banking. It is an Account Information Service Provider (AISP), regulated by the Financial Conduct Authority.
Will I be charged for using this service?
No, it is completely free for all customers.
I have entered the wrong information, can you change this?
This cannot be changed. To enter new information you will need to go through the journey again.
I have forgotten my bank log in details.
You can try doing the journey on your mobile phone instead of your laptop or desktop, this uses app to app authentication. If you don't use mobile banking or if this does not work, you will need to contact your bank for assistance.
Will this affect my credit file?
A soft credit reference agency search will be done to confirm which banks you hold current accounts with, this won't be visible to other lenders.
How do you connect with my bank account?
We use a third-party Account Information Service Provider (AISP) called consents.online which uses Open Banking APIs. Open Banking APIs are made available by your bank under the new Open Banking regulations. Open Banking is regulated, monitored, and built on the principles of GDPR.
Can I connect more than one bank account?
Yes. When you successfully connected your first account, you will see the option to 'Add Another Bank'. This is located below the tick on the 'Thank You' page.
I can't see my bank in the list.
Please use the search bar at the top of the Bank selection page (look for the magnifying glass), if you still can't find your bank, it may not be available. Not all banks have Open Banking API's available.
I can't connect to my bank, it's showing an error with a message to wait and try again later (or similar).
Bank connection success rates may fluctuate throughout the day, particularly during peak times. You should follow the instructions from the bank.
Is this safe?
consents.online uses bank-level security and rigorously tested software and security systems. They are regulated by the FCA and authorised to access the Open Banking API's made available to them through the UK Government Open Banking initiative. Their FCA registration number is 792642.
I want you to delete my data.
You have given consent for us to view a snapshot of your transactional data. We will request that the data that we hold is deleted.
For more information about consents.online, please visit their website at consents.online
Please also visit the official website of the Open Banking Implementation Entity openbanking.org.uk/what-is-open-banking/
Jigsaw Finance Limited is a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor; we will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you.
Whichever lender Jigsaw Finance Limited introduces you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow).
All of the lenders that Jigsaw Finance Limited work with could pay commission at different rates and the commission values could vary between finance products, but the commission we receive does not influence the interest rate you will pay. Jigsaw Finance Limited's aim is to secure finance for you at the lowest interest rate available from our panel of lenders.