The security of open banking

Linking your bank accounts to an app requires trust. Noryo relies on open banking, the European framework governed by the PSD2 regulation, designed precisely so that this sharing is safe, governed, and entirely under your control. Here, without jargon, is how it protects your data and your money.

You stay in control: read-only access

This is the essential point. Noryo accesses your accounts <strong>read-only</strong>. The app can see your transactions and balances to analyse them, but it can <strong>never</strong> initiate a payment, a transfer, or any action on your money. No one, through Noryo, can move your funds.

Consent, given and taken back at any time

Nothing connects without your explicit agreement. When linking a bank, you validate a consent that specifies which accounts are shared. This consent belongs to you.

The protection of your data

Beyond the connection itself, your data is protected end to end.

• Your data is encrypted and hosted in Europe.
• It is never resold or transferred to third parties for advertising purposes.
• You can export or delete all of your data at any time (GDPR rights).

Strengthening the security of your Noryo account

The bank connection is secure by default. You can add extra protections on your own Noryo account.

• Turn on two-factor authentication (2FA) and keep your backup codes.
• On iPhone and iPad, enable unlocking with Face ID or Touch ID.
• Review your active sessions and log out devices you do not recognise.

In short, you decide what you share, you can take it all back whenever you want, and Noryo can only watch, never act. To go further on how consent works, see the dedicated article.

PSD2 bank consentHow your authorisation works and renews.