How we keep your data secure?

Secured infrastructure

All of our communication is encrypted. Whenever data travels between our server and your phone it’s done through encrypted channels and nobody can see the data on the way. Your data is encrypted in our servers and only authorized users can access it. As security is very important to us, we only use reliable partners to host our servers. At the moment we are using the Google Cloud Platform which meets the highest security compliance policies.

Your account security

You can close your account any time by letting our support know or doing it yourself in the app. When you delete your Bilance account, all your personal data, accounts, and transactions will be immediately and permanently deleted.

Secured bank connection

We work with all financial account information in a read-only mode to be able to check your account balance and download lists of transactions. However, we are not able to initiate payments or manipulate your account in any other way.

With Open Banking API, you login directly into your bank and we receive just an authorization token with a limited lifetime. In that case, we never get access to your password.

Account Information Service Provider

We are authorized by SIA "Nordigen Solutions" to display user account information but only with the explicit consent of the payment service user, in compliance with personal data protection regulations.

SIA "Nordigen Solutions" (registration No.40103982535), is a limited liability company registered under the laws of the Republic of Latvia and is operating as an authorized account information service provider, supervised by the Financial and Capital Market Commission of the Republic of Latvia.