We ask you to link your accounts so we can make a more honest decision on your credit card application. We know that credit scores can be at least 6 weeks out of date. So, we do not think it is fair that this should be a factor in accepting you for credit.

Instead, we ask that you link your most used bank accounts (the account your salary is paid into and the account you spend the most on). This helps us assess your spending and give you an appropriate credit limit that suits you.

The process of linking your accounts is done through Open Banking. Open Banking is a safe and secure practice that allows financial service providers (like us at Stream) to access your banking information, such as your recent transactions. You give us permission to do this by linking them.

By linking, we assure you that we do not use your information for any other purposes.