Independent financial verification

Verified income and expenses, straight from the bank.

One secure consent link turns a client’s bank data into a verified income, expense and affordability report in minutes — for hardship assessments, responsible-lending decisions and broker applications. Sourced via the Consumer Data Right: no statements to chase, no banking passwords, no self-reported guesswork.

Book a demo See a sample report →

Consumer Data Right (open banking) — never screen scraping.Data via Fiskil, Accredited Data Recipient ADRBNK000246.

Expense SummarySIQ—2026—0001

Income

$3,476

Expenses

$3,410

Surplus

$66

Essential living

Discretionary

Debt servicing

✓ Reconciled against banking data

Self-reported budgets don't survive audit

Creditors and auditors challenge numbers a client wrote down. A bank-sourced position holds up.

Chasing statements takes weeks

PDFs, logins, missing months. One consent link replaces the back-and-forth.

Screen-scraping asks for bank passwords

The old tools store banking logins. CDR never sees them — the bank verifies with a code.

How it works

Three steps, about three minutes.

Send a secure link

Create a request and send your client a consent link by SMS or email.

Client consents with their bank

They choose which accounts to share and verify with a one-time code — no password shared.

The report you need

StatementIQ reconciles the accounts and returns a verified income, expense and affordability report — framed for your use case.

The report

A document you can attach to a file.

✓Income & expense position. Monthly income, expenses and surplus — grouped essential, debt servicing, discretionary.
✓Debt commitments. Every short-term credit and BNPL provider detected, with the stacking picture creditors need.
✓Reconciliation appendix. Every account ties opening + credits − debits to closing — an auditor can check the numbers.
✓Verification ID & method note. A checkable ID, the data source, and an explicit note on what it does and doesn't cover.

Open the sample report →

Reconciliation appendix

••••2187	$15,577	$5,744	✓
••••2958	-$4,319	$2,799	✓
••••9738	-$10,174	$41	✓

Opening + credits − debits = closing, every account.

Who it’s for

One bank-verified feed. The right report for each decision.

Debt management & hardship

Audit-grade expense verification

A defensible income and expense position for hardship assessments and Part 9 debt agreement proposals — sourced from the bank, not self-reported.

✓Essential vs discretionary spend
✓Debt & BNPL commitments
✓Reconciliation appendix for audit

Lenders

Affordability & responsible lending

The bank-verified signals a responsible-lending assessment needs — reproduced from a CDR feed, not a screen-scrape.

✓Income stability & frequency
✓SACC / payday & BNPL stacking
✓Dishonours, gambling, days in negative

Brokers

A lender-ready snapshot, fast

Send one consent link and get a clean, verified affordability snapshot to support the application — fewer document requests, fewer delays.

✓One link, no statement chasing
✓Consistent, packageable output
✓Client keeps control of their data

Security & the Consumer Data Right

Consented, bank-sourced, and never a password.

StatementIQ runs entirely on the Consumer Data Right (open banking) — the government-regulated, consented data channel. It is not screen scraping: we never ask for, see, or store a banking password, and the data comes straight from the bank, tamper-resistant.

No banking passwords

Your client verifies with a one-time code from their own bank. We never see or store credentials.

Consented & minimised

Only the accounts and history needed, used only for the purpose consented to. Deleted on withdrawal.

Accredited data chain

StatementIQ operates as a CDR Representative of Fiskil, an Accredited Data Recipient (ADRBNK000246).

Questions

Frequently asked.

See a verified expense summary on your own data.

Book a 20-minute demo and we’ll walk through a live report and the consent flow.

Book a demo