Verified income and expenses, straight from the bank.
One consent link. Minutes later: a decision-ready income & expense report your assessors, creditors and lenders can rely on. No statements to chase, no passwords, no guesswork.
Supported banks
All major Australian banks and 100+ CDR data holders — clients connect in about 3 minutes.
Open banking gives you raw data. We give you the decision.
Anyone can pipe transactions out of a bank. Turning them into a position you can put in front of a creditor, an auditor or a credit committee is the hard part — that’s what we built.
Built by a lender
Our categorisation engine was trained running real Australian credit decisions — it knows a SACC repayment from a salary split.
Decision-ready, not raw
Categorised, reconciled to the cent, risk-flagged, and formatted the way assessors already read — not a JSON dump.
Compliance is our job
Consent, withdrawal, 90-day deletion, Sydney data residency, audit logging — handled, so it isn't your project.
Live in a day, not a quarter
Portal, link, SMS, embed or API. No CDR accreditation process, no data team, no build.
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.
Client reviews & shares the report
StatementIQ prepares a verified income, expense and affordability report. Your client reviews it and shares it with you in one tap — it lands in your portal, API and webhook.
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.
| ••••2187 | $15,577 | $5,744 | ✓ |
| ••••2958 | -$4,319 | $2,799 | ✓ |
| ••••9738 | -$10,174 | $41 | ✓ |
Opening + credits − debits = closing, every account.
One bank-verified feed. The right report for each decision.
A position that survives scrutiny
Hardship assessments and Part 9 proposals built on bank data, not what the client remembers.
- ✓Essential vs discretionary spend
- ✓SACC, BNPL & creditor commitments
- ✓Reconciliation appendix for audit
Responsible lending, evidenced
The verified income, expense and risk signals your credit file needs — ready for review.
- ✓Income stability & frequency
- ✓SACC / payday & BNPL stacking
- ✓Dishonours, gambling, days in negative
Serviceability, same day
One link to the client; a clean serviceability picture back — fewer doc requests, faster submission.
- ✓No statement chasing
- ✓Consistent, lender-ready output
- ✓Client keeps control of their data
Built to drop into how your firm already works
Invites by email & SMS
Send the secure consent link for the client from the portal — or copy it into your own channels.
Embed the consent flow
A one-line iframe puts the consent widget inside your own app or client portal.
API & signed webhooks
Create requests programmatically and get notified the moment a report is ready or a client withdraws.
PDF, XML, HTML & JSON
Every report exports in the format your file, your lender panel or your system expects.
Audit log built in
Every access to a report is recorded — who viewed or downloaded what, and when.
Data stays in Australia
Bank data and reports are processed and stored in Sydney, with automatic deletion after 90 days.
Consented, bank-sourced, and never a password.
StatementIQ runs entirely on the Consumer Data Right — the government-regulated open-banking channel. Never screen scraping: no passwords asked for, seen or stored. Data comes straight from the bank.
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.
CDR data chain
StatementIQ operates as a CDR Representative of Fiskil, an Accredited Data Recipient (ADRBNK000246).
Jonathan Chan
Founder · StatementIQ
About StatementIQ
Built by a lender who was tired of guessing.
Jonathan spent a decade in banking strategy — BCG, then group strategy inside a major bank — before running an Australian consumer lender and co-founding Hardship Hub. Thousands of real credit decisions taught him one thing: the assessment is only as good as the data underneath it.
StatementIQ is the tool he wished he’d had — bank-verified income and expenses through the Consumer Data Right, categorised by an engine trained on real Australian lending data, delivered as a report a creditor or credit committee can act on.
Jonathan on LinkedIn →Verification, without the wait.
When the data comes straight from the bank, the numbers stop being a conversation.
A client connects in
3 min
on their own phone
Every report covers
6 mths
reconciled to the cent
Banking passwords stored
0
ever
Bank data auto-deletes in
90 days
no action needed
Frequently asked
See a verified expense summary on your own data
Create a company and test against sandbox data in minutes, or book a 30-minute demo and we'll walk through a live report and the consent flow.