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Why does Konfir connect to my accounts (Bank, HMRC, Payroll)?

Konfir asks for access to build a factual, tamper-resistant record of your employment or income from trusted sources.

Jacob avatar
Written by Jacob
Updated over 3 weeks ago

Summary

We understand that being asked to connect your bank, HMRC, or payroll can feel like a lot. If you’ve landed on this page, you might be thinking:

“You already have my details - why do you need my bank/HMRC/payroll?”
“Is this really necessary for my job, tenancy, or application?”

The short answer is: your verifier wants confirmed evidence, directly from the trusted sources that hold that information. This helps them make an informed decision about your employment or income history and protects their process against fraud.

To see how these connections fit into the overall process, read:
👉 How do Konfir verifications work?


Why these accounts are used

Your employment and income information already lives in systems like:

  • HMRC (PAYE employment and income)

  • Your bank (salary payments into an account you own)

  • Payroll providers (job details and structured pay data)

Konfir connects to these - with your permission - to create a factual, tamper-resistant verification instead of relying on documents that can be slow, edited, or incomplete.

Konfir never sees your passwords, never moves money, and connections are one-time, read-only, and close automatically.

For more on data security, see:
👉 Is Konfir safe?
👉 How does Konfir keep my data secure?


Your choice and alternatives

Using Konfir is always optional.

If you’re not comfortable connecting an account, or you’d prefer not to verify digitally at all, you can ask your verifier to complete your checks another way - for example:

  • Payslips

  • P60s

  • Bank statements

  • Employer references

These alternatives may take longer and may require sharing more information, but your verifier will guide you through the manual process.

To explore your options, see:
👉 Why use Konfir? What alternatives are available?

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