Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1946 and majority-owned by BBVA, Garanti BBVA is a large private bank known as a digital-banking pioneer. Its digital-native customer base drives high adoption of open-banking-based products.
Kobaküs connects to Garanti BBVA accounts via one API with explicit consent, securely reading and categorising balance and transaction data. For teams building digital products, Garanti offers strong coverage in income verification, PFM, account verification and subscription-analytics scenarios.
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Categorise transactions to offer budgeting, spending analysis and subscription detection.
Derive cash flow from transaction data and use it as input in alternative credit scoring.
Stream bank transactions into accounting/ERP for automatic reconciliation.
| Capability | Garanti BBVA · Kobaküs |
|---|---|
| Account information (AIS) | ✓ Live — balance + transaction read |
| Payment initiation (PIS) | On roadmap / via Virtual POS |
| Single-API access | ✓ Yes |
| Standard data schema | ✓ Yes — same across banks |
| TCMB framework & KVKK | ✓ Compliant |
Yes. With the user's consent you can verify account ownership and IBAN to reduce wrong-account risk in payout/reward flows.
Yes. While consent is valid you can periodically pull balances and transactions and produce categorised budget/spending views.
No. Kobaküs manages the bank-connection layer; you integrate once and reach all supported banks, including Garanti.
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