Accounting · Pillar guide
The Landlord Open Banking Guide
The pillar guide to Open Banking for UK landlords — how it works, why it's read-only, how to connect every bank, and the workflows it unlocks for rent and expenses.
24 min read · 4,200 words · Updated 1 July 2026
In this guide
Key takeaways
Open Banking is FCA-regulated, read-only and tokenised — safer than sharing statements.
Landvale connects to every UK bank via Open Banking.
Rent lands in Landvale the moment it's paid — no manual entry.
Expenses auto-categorise against a landlord chart of accounts.
Consent renews every 90 days — a legal requirement, not a limitation.
What Open Banking actually is
Open Banking is an FCA-regulated framework that lets you grant read-only access to your bank feed to authorised third parties. No write access. No card details. No login sharing.
Why it's safer than the alternatives
The alternatives — emailing statements, uploading CSVs or (worst) sharing bank logins — are all less secure than Open Banking. Access is scoped, tokenised and revocable in one click.
The workflows it unlocks
•Real-time rent tracking per flat.
•Auto-matched expenses against invoices and receipts.
•Instant arrears detection.
•Live cash flow dashboards.
•Year-end packs that don't require reconciling anything.
90-day consent renewal
FCA rules require you to re-authorise Open Banking access every 90 days. Landvale reminds you a week ahead and re-authorises in two taps.
Frequently asked questions
Yes — FCA-regulated, read-only, tokenised and revocable.