OmniPay UBA

Connect to every
bank in one integration.

4,287 FDIC-insured institutions. Real accounts, real balances, real transactions — powered by direct connections with bank-grade encryption.

Try It Live → Developer Portal

4,287

Institutions

FDX Direct

<15ms

Fraud Scoring

99.99%

Uptime SLA

Developer First

One API, every bank.

Unified REST API with accounts, transactions, balances, identity, and payments. WebSocket streaming included. Get started in three minutes with any stack.

API Playground → Read the Docs

// Search institutions & link accounts
const omni = require('@omnipay/uba');

const banks = await omni.institutions.search({
  query: 'Chase',
  products: ['transactions', 'balances'],
});

// Link with pre-built UI
const link = await omni.link.create({
  institution_id: banks[0].id,
  redirect_uri: 'https://yourapp.com/callback',
});

// Get real-time balances
const accts = await omni.accounts.list({
  access_token: link.access_token,
});
// → [{ name: "Checking ••4821", balance: 12450.00 }]
  

Why OmniPay UBA

Built for modern fintech.

🏦

Real Bank Data

Search 4,287 FDIC-insured institutions by name, routing number, city, or state. All data live from federal databases.

🔒

Zero-Knowledge Security

AES-256-GCM encryption, Ed25519 request signing, mTLS connections. Credentials never touch your servers.

⚡

AI Fraud Engine

847-signal scoring engine with <15ms latency. Device fingerprinting, impossible travel detection, real-time alerts.

🔌

One API, Every Bank

Unified REST API with accounts, transactions, balances, identity, and payments. WebSocket streaming included.

📱

Drop-in Link UI

Pre-built bank connection widget with instant connect, biometric verification, and manual entry flows.

🛠

SDKs for Every Platform

Node.js, Python, React, Go, Ruby, and React Native. Get started in three minutes with any stack.

Start building with OmniPay UBA

Search real banks, explore the API playground, and get your keys — all free.

Try the API Live → API Playground Link UI Demo

Connect to everybank in one integration.

One API, every bank.

Built for modern fintech.

Start building with OmniPay UBA

Connect to every
bank in one integration.