Financial data aggregation is the collection of financial information about a person or business from several banks, card issuers, brokers or other providers into a single place, where it can be shown on one screen or used by another service such as a lender or accounting tool. It is another name for account aggregation, which covers the methods, providers and risks in full; "financial data aggregation" is the wording more often used in policy papers and by data vendors.
Aggregators gather data in two main ways: through open banking APIs, where the customer authorises access at the bank, or by screen scraping with the customer's login details. In the EU and the UK, regulated aggregation is the account information service, carried out by an account information service provider. In the US, section 1033 of the Dodd-Frank Act gives consumers a right to their financial data; the Consumer Financial Protection Bureau's 2024 rule putting it into effect was being reconsidered as of November 2026.
Aggregation of data is different from aggregation of payments, as done by a payment aggregator that processes card payments for many small merchants.