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Every time.

Eligi is an income verification tool for rentals. Instead of collecting payslips and tax notices as PDFs, you send the applicant a unique link. They connect their bank account in 30 seconds through Open Banking, and you receive a report with certified income and an eligibility confirmation.

The bank connection goes through a licensed aggregator (Bridge, ABC group) within the regulated PSD2 framework. The last 12 months of transactions are read in read-only mode, recurring income is identified automatically (salaries, pensions, regular income), then a monthly average is computed over the analysed period. The data comes from the bank, not from a document supplied by the applicant.

A few minutes. As soon as the applicant finishes the bank connection, the analysis runs and the file appears in your workspace. No manual work on your side.

Only what the decision requires: average monthly income over the analysed period, the eligibility confirmation, the account holder's name and whether it matches the declared identity, and the connected banks. Transaction and spending details are never shared.

Yes. It works exactly as it does for an agency: you create a request with the applicant's name, email and phone, they receive their link, and you get the result. Nothing to install, everything runs in the browser.

The request stays pending and expires automatically after 7 days. You can follow its status in real time in your dashboard and cancel it at any point.

A file stays valid for 3 months. During that window the applicant can share it with several agents or landlords without reconnecting their bank. After that, a fresh check is required so the data stays current.

Yes. A timestamped PDF certificate can be downloaded from the shared file: it lists the holder, the average income observed, the analysed period and the verified accounts. It is an informational document to support your decision, not a legally binding one.

Each person runs their own verification through their own link. You get one file per applicant, which makes profiles objectively comparable and lets you combine incomes when relevant.

Every European bank covered by PSD2, including online banks and neobanks. An applicant can connect several banks if their income lands on different accounts.

Transactions are read only for the duration of the analysis to identify recurring income, then only the results of that analysis are kept. Spending details are never stored, displayed or shared with the agent or landlord.

No. Access is strictly read-only: no transfers, no changes, no write access. Bank credentials are entered on the bank's own secure interface, never on Eligi, and are never shared with us.

Data is hosted in Europe on sovereign infrastructure. Files expire after 3 months and applicants can request deletion at any time. No raw banking data is stored long term.

The applicant gives explicit consent before any connection, knows exactly what will be shared, and then decides whether to share the file with the agent. They keep their GDPR rights of access, rectification and erasure at [email protected].

Yes. Verification and sharing are two separate steps: the applicant reviews their file, then chooses to share it with the agent who requested it. Nothing is transmitted without their approval.

No. Data is read straight from the banking source over a regulated channel, never through a document the applicant could edit. That is the whole difference with a payslip or a PDF statement.

The bank connection takes about 30 seconds. Including the form and the analysis, the applicant gets their file within a few minutes, straight from their phone.

Yes, for 3 months. That is a real benefit for them: one verification journey, then a certified file reusable for every application, with no documents to resend to each agency.

Almost every European bank offers PSD2 access with the usual customer-area credentials. If an applicant truly cannot connect, you can still process their file the traditional way.