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These FAQs are provided to help answer the questions you may have about sending
your personal data through services provided by Proviso.
What does BankStatements.com.au do?
We speed up and streamline loan applications. This means less paperwork, less fuss and a quicker decision about loan approval. We do this with our own technology that retrieves your bank statement data and sends it directly to the lender or broker.
Who needs the bank statements?
As part of tighter government regulation for borrowing money, most consumer loans require bank statement data as part of the loan evaluation. Brokers and lenders need to make reasonably inquiries into your ability to pay back the loan. Bank statements are an important part of this reasonable inquiry.
Why are bank statements important?
Some of the things your bank statements will show are your income, that you are regularly paid wages, other loan repayments and your expenses. These factors help determine that you can afford to pay back the loan.
How many months of statements are required?
The most common requirement is for 90 days or 3 months of bank statement data. Some lenders do require more, sometimes up to 6 months.
Who authorises you to get my bank statements?
You do. We can’t get your bank statements to send to the lender without your permission.
What do you do with my bank statements?
We make them available to the lender to whom you are submitting your loan. That’s it. The statements are either sent via email or stored in a secure database where only the lender can access them.
How much does it cost?
It’s a completely free service to you if you’re applying for the loan. Similarly to a credit check the lender or broker pays the fees so you don’t pay anything.
What security measures are in place?
Security is our highest priority. All data sent to our server is encrypted with 256-bit encryption, secured by 2048-bit keys. This is the same level of encryption that the banks use. You can read more details about our security measures.
What are the benefits of this service?
The benefits are more revenue and more profit for your business! Evaluate and approve loans significantly faster with a streamlined, automated process that delivers customer’s bank statements to you in seconds. You’ll keep control of the sales process and reduce the number of incomplete applications, while at the same time providing a great customer experience. Read about more benefits for your business.
Is it a good experience for my clients?
We make the customer experience excellent! Customers find it frustrating having to find bank statements and scan or fax them to you. They want it to be as easy as possible - that’s what we do!
Where are you located?
We have two offices - one in the Sydney suburb of Baulkham Hills, the other in the CBD in Adelaide. All our staff and servers are based in Australia. You’re welcome to contact us to arrange an in-person meeting.
How flexible is the product?
There are a number of ways to work with us and use BankStatements.com.au technology. Whether you’re looking for a simple solution or a complex integration, we can assist!
What is the pricing?
Our pricing is win-win. You only pay when your clients use our service to generate bank statements. We have no contracts or minimum spend commitments. There are volume discounts and prepay discounts available. For a demonstration and full pricing details please contact us.
How many days of statements can we get?
Our technology allows your clients to retrieve from 90 to 180 days of bank statement data.
Do you service business loan customers?
Yes! If you need to provide bank statements as part of a business loan application we can definitely help. Some of the advanced features of our technology mean we can service business loan requirements where other companies cannot.
Do you have an API?
Yes, we have an API. To find out more about our API solutions please contact us.
(08) 7122 9452
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