Our policies

We take the protection of your privacy, security and personal data very seriously

The ID Co., trading as Atto, respects your privacy and is committed to protecting your personal data.

Our commitment to you:

Be transparent on the purpose for which your information is being collected, stored, used and disclosed.
Make it clear what information is being collected, stored, used and disclosed.
Follow best practice industry standards and use bank-level security measures to protect your information.
Ensure we take reasonable steps to comply with country specific personal data and privacy principles and codes. We operate within the EU Privacy Shield however it is important that you understand your data may cross borders.
Your personal data is never shared with another company without your consent.

We strive to always do our best to uphold these principles and regularly review our privacy policy to ensure it is up to date. If at any time you want to talk, have a question or complain please contact us at support@theidco.com.

Speak to a dedicated expert

Our experts are happy to take calls with anyone looking to start using bank data or make better use of their existing data. We can answer questions on use cases, technical challenges, our product suite and more.

Demo of the guided customer consent journey
Walk through of our real-time data & insights
Coverage check in your markets

Frequently asked questions

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What is open banking and how does it work?

Open banking is the practice that allows people and businesses to share up to 12 months of transaction data. Atto is regulated by the Financial Conduct Authority as an Account Information Service Provider (AISP) - the intermediary who safely facilitate this process.

What is transaction categorisation?

Transaction categorisation is the process of adding context to raw transaction data. The process gives you an understanding of what your customers' spend their money on and where.

How does bank account verification work?

Using the API, A matches the details provided from your customer to those on their account. We apply a set of sophisticated algorithms and rules to verify the name, and then tell you what does and does not match.

How do you verify income with open banking?

After a customer shares their data, Atto identify recurring credits to the account and group these. Using an algorithm we identify the monthly income for each income stream. We then return the calculated income and confidence score to you.