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FeaturesMaking Tax DigitalUpdated February 26, 2026

Open Banking via TrueLayer — Feature Complete

Open Banking via TrueLayer — Feature Complete

Release: v1.0.91

The TrueLayer Open Banking integration is fully implemented across the entire stack. Landlords can now connect their bank accounts directly to the platform, enabling automatic transaction import and reconciliation against their property finance records.

What This Means for Landlords

Instead of manually entering income and expense transactions, you can connect your bank account once and let the platform pull in transactions automatically. Those transactions are then available to be promoted into your property ledger, making quarterly Making Tax Digital (MTD) submissions faster and more accurate.

Architecture Overview

1. Database Tables

Three new tables underpin the integration:

TablePurpose
bankConnectionsStores the OAuth connection and token data for each landlord's linked bank
bankAccountsStores the bank accounts retrieved from TrueLayer after connection
bankTransactionsStores raw synced transactions, ready for review and promotion

2. TrueLayer Client

src/lib/truelayer/client.ts handles all communication with the TrueLayer API:

  • OAuth 2.0 authorisation and token exchange
  • Fetching accounts linked to a connection
  • Fetching transactions for a given account and date range

3. Credential Store

src/lib/truelayer/credential-store.ts manages the secure persistence of OAuth tokens, ensuring access and refresh tokens are stored and retrieved safely per landlord.

4. OAuth Callback

src/app/api/bank/callback/route.ts handles the redirect from TrueLayer after a landlord authorises the connection. It exchanges the authorisation code for tokens and persists them via the credential store.

5. tRPC Bank Router

src/lib/routers/bank.ts exposes bank-related server procedures to the frontend, including:

  • Initiating a TrueLayer connection
  • Listing connected accounts
  • Listing synced transactions
  • Promoting transactions to property finance records

6. Background Sync (Inngest)

Two Inngest functions run in the background:

  • bank-sync (src/inngest/functions/bank-sync.ts) — periodically fetches new transactions from TrueLayer for all active connections and writes them to bankTransactions.
  • bank-promote-transactions (src/inngest/functions/bank-promote-transactions.ts) — promotes reviewed bank transactions into the landlord's property finance ledger for use in MTD submissions.

7. Dashboard UI

The bank management interface is available at /dashboard/bank/. From here, landlords can:

  • Connect a new bank account via TrueLayer
  • View linked accounts
  • Review and promote synced transactions

Environment Variables

The following environment variables must be configured to enable TrueLayer Open Banking. See .env.example for the full list of TRUELAYER_* variables.

VariableDescription
TRUELAYER_CLIENT_IDYour TrueLayer application client ID
TRUELAYER_CLIENT_SECRETYour TrueLayer application client secret
TRUELAYER_REDIRECT_URIThe OAuth callback URL (e.g. https://yourdomain.com/api/bank/callback)

Credentials are stored securely per landlord using the credential store. Tokens are never exposed to the client.

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