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Account opening

Engage customers at the first click

Set the stage for an elevated experience with seamless, secure account opening.

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Spotlight

The future is wide open

Impactful account opening journeys are powered by data.

3 in 4

Gen Z consumers who have shared or would share their financial data for the purpose of opening a new bank account1

80%

U.S. consumers who link their financial accounts directly to tools for conducting financial tasks1.

No. 2

Everyday banking transactions are the second most popular way for consumers to use open banking (peer-to-peer payments are No. 11.

93%

B2B respondents who say they trust Mastercard to share financial data1.

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The Mastercard difference

Our account opening solutions are powered by Finicity, a Nacha preferred partner. Our solutions help customers meet Nacha Web Debit Rule standards, ensuring reliable ACH payments.

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Real-time account opening and funding solutions

Consumer-permissioned data sharing enhances security, reduces risk and gets new accounts funded safely and securely2.

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Authenticate quickly and accurately

Account owner verification:

Simplify account opening’s biggest security challenge: identity verification.

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Mitigate fraud risk

Identity insights:

Validate ownership data against network-based identity insights with a single API call.

 

 

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Confidently know your customers

Account owner matching:

Generates a matching score and response containing the financial institution's account owner detail compared against the customer sent data.

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Streamline onboarding

Real-time authentication:

Forget micro-deposits and notifications that take days — our solutions deliver results now.

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Boost payment success and reduce fees

Balance check:

Instant account balance checks improve payment success.

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Deliver a seamless experience

Mastercard Data Connect:

Consumers can easily permission their account data to enable and enhance new financial experiences.

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Consult our team to learn how Mastercard can enhance your business through our products and services.

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Mastercard

1. Mastercard Rise of Open Banking Report, 2024.

2. Real-time authentication with funding subject to standard ACH settlement timelines (1-3 business days)