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Once your customer has successfully completed a connection and Meld has signaled that data is ready (see When Is Your Data Available), you can call the endpoints below to read their financial data. This page is for backend developers fetching connection data from Meld’s REST API.

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Before you begin

  • You have received the BANK_LINKING_ACCOUNTS_UPDATED or BANK_LINKING_TRANSACTIONS_AGGREGATED webhook for the product you intend to query
  • You know the customerId, externalCustomerId, connectionId, or financialAccountId you want to scope the query to
  • Your API key has access to the relevant products

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Accessing customer financial data

Meld’s data endpoints follow two patterns:
  • Get a single result by id — pass the resource id.
  • Filter through results by query parameters — typical filters include:
    • externalCustomerId — the id you provided Meld for your customer.
    • customerId — the id Meld assigned for your customer.
    • institutionId — the Meld id for a financial institution.
    • financialAccountId — the Meld id for your customer’s financial account.

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Financial data

To retrieve Balances, Identifiers, or Owners, use the financial accounts endpoint. To retrieve Transactions, use the transactions endpoint. Transactions are ordered newest first per financial account. To retrieve Investment Holdings, use the investment holdings endpoint. To retrieve Investment Transactions, use the investment transactions endpoint.

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Metadata

To retrieve a list of connections, use the connections endpoint.
For the complete request and response schema for each endpoint listed above, refer to the Bank Linking API reference.
For updating transaction data efficiently on subsequent calls, see When Is Your Data Available — Updating Transaction Data. The recommended approach is to fetch only the last 14 days when handling routine background aggregations.