Get real bank accounts with a simple API call.

Workbench works with innovative banks and financial institutions to make account opening for customers quick, secure and easy. If you’re an institution needing to move quickly, work outside your core accounts infrastructure or looking to replace your infrastructure, we can help.
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Fast and Easy

Possibly the fastest and easiest account opening experience for you and your customers. How fast? Measure in minutes, not weeks.

Reduce Account Fraud

Workbench Accounts work seamlessly with Workbench Identity, giving you world-leading onboarding security to correlate with your own identity checks.

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Increase Security

End-to-end encryption. Different keys for every account. Secure tokenisation. With mySafe, customers never provide login details to you.

Instant Accounts

Accounts infrastructure for financial institutions, custodial and other trustee service providers. Need an account to hold money on behalf of your customers? This is for you.

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Sub-Accounts

Workbench Instant Accounts uses sub-accounting infrastructure so you can manage your users' accounts with the Workbench Ledger. Funds are held with our primary banking partner.

Turn-Key Opening

Workbench Instant Accounts allows you to provide a great user experience by enabling you to create accounts for your users, instantly.

Instant Payments

Workbench Instant Accounts allows for instant intra-payments using any currency, anywhere.

AccountsPlus

Provide each of your customers their own individual bank account.

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Choose your preferred bank

With a simple click, Workbench's AccountsPlus API allows you to select your bank of choice.

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Same easy setup

AccountsPlus uses the same Accounts API no matter which bank, making it easy for you to switch if you need. Are you a bank not on the list? Click here to get on board.

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Auto Update

Workbench is always adding more banks to our platform, giving you more choice. As we add more banks, you get instant access to them, all without having to change your code.


Workbench Ledger

A ledger service to manage your user accounts.

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Master & Sub-Ledgers

Our architecture automatically creates a master ledger and sub-ledger for each user. You can create infinite sub-ledgers to manage separation of funds by user, purpose, or currency.

Transaction Feed

Fast, efficient and secure. Workbench's Transaction Feed uniquely manages transaction data using blockchain principles. Each transaction can never be deleted, creating an immutable transaction history.

Financial Transaction Data

Enable your users to retreive their transaction data - privately, securely.

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Beautiful Data

The Workbench Transaction Data API provides nice, clean user financial transaction data. No need for any clean-up. It's all been done for you.

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Transaction Analytics

Workbench provides added transaction analytics on top of the data. Know the category, location, merchant name and more.

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Secure and Encrypted

Using mySafe, transaction data is secure and encrypted for your user's maximum protection. As a business, you never see user credentials, reducing your security burden.


Accounts in Code. So Beautiful.

Beautiful. Simple. JSON web API calls.
{
    userId: "jason.borne@livemail.com",
    name: "Jason Borne",
    provider: "Macquarie Bank Australia",
    productCode: "Cash Management Account",
    bsb: "100123",
    accountNumber: "12349876",
    status: "active",
    ledger: {
      ledgerBalance: 45,720,
      totalBalance: 66,029,
      subLedgers: {"savings", "transactions", "carfund}",
      transactions: [
        {
          id: "388492736195",
          ledgerId: "JJIAKLO983BNZY",
          timestamp: "1491985971",
          type: "credit",
          status: "pending",
          amount: 50,
          description: "Accounting Software Subscription"
        }
      ]
    }
  }
{
  name: "MyApp Account",
  provider: "ING Direct",
  productCode: "Savings Maximiser"
}
{
    userId: "jason.borne@livemail.com",
    name: "Jason Borne",
    provider: "Macquarie Bank Australia",
    productCode: "Cash Management Account",
    bsb: "100123",
    accountNumber: "12349876",
    status: "active",
    ledger: {
      ledgerBalance: 45,720,
      totalBalance: 66,029,
      subLedgers: {"savings", "transactions", "carfund}",
      transactions: [
        {
          id: "388492736195",
          ledgerId: "JJIAKLO983BNZY",
          timestamp: "1491985971",
          type: "credit",
          status: "pending",
          amount: 50,
          description: "Accounting Software Subscription"
        }
	   metadata : [
	   {
		location: 
		{
			address: "23 Market Street",
			city: "Sydney",
			state: "NSW",
			longitude: 151.205048,
			latitude: -33.870950,
		}
		category: 
		{
			type: "stationary",
		}
		merchant: 
		{
			name: "Officeworks",
		}
	   }
      ]
    }
  }