Hargreaves Lansdown (HL) API integration & OpenFinance services

1. Wealth aggregation for IFAs

An independent financial adviser needs a single client view across HL, AJ Bell and Interactive Investor. We deliver a portfolio-sync worker that authenticates against HL each morning, pulls holdings and transactions, normalises CGT-relevant fields, and writes to the IFA's CRM. Maps to the OpenFinance "wealth aggregation" pattern under FCA Conduct of Business rules.

2. Tax-year reporting & CGT export

Self-employed investors approaching the UK self-assessment deadline need clean transaction exports across ISA wrappers (tax-free) and Fund & Share (taxable). The integration extracts trade-level data, classifies wrapper status, and produces a CSV ready for accounting tools such as FreeAgent or Xero. This is the OpenData "structured statement export" pattern.

3. Active Savings cash sweep

A treasury team uses HL Active Savings as part of a multi-bank cash ladder. We integrate the OBIE-registered HL Savings AIS endpoint to pull balances and transactions, then the Ecospend pay-by-bank flow to push deposits when rates change — an OpenBanking PSD2 AISP + PISP composition.

4. SIPP retirement-readiness dashboard

A pension-planning startup pulls SIPP and JSIPP holdings, contributions YTD, and drawdown options to project retirement income. The HL data is combined with state-pension forecasts, then exposed back to the user via a mobile dashboard. Matches the OpenFinance "pension data initiation" pattern referenced by the FCA's Open Finance feedback statement.

5. ISA top-up automation

A robo-advice provider lets clients automatically top up their HL Stocks & Shares ISA from a current account each payday. We wrap the HL pay-by-bank journey (Ecospend), schedule it on a salary trigger, and write a confirmation back to the client app — combining account information and payment initiation under PSD2.

Login & session bootstrap (mobile flow)

POST /api/v1/hl/auth/login
Content-Type: application/json

{
  "username": "alice.smith",
  "dob_day": 14,
  "dob_month": "06",
  "secure_number_indices": [2, 4, 6],
  "secure_number_digits": ["3", "9", "1"],
  "device_fingerprint": "ab12cd34..."
}

200 OK
{
  "session_id": "sess_8f2c...",
  "access_token": "eyJhbGciOi...",
  "expires_in": 1800,
  "requires_2fa": false,
  "client_id": "HL-1234567"
}

Portfolio & statement export

POST /api/v1/hl/statement
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "ISA-001",
  "wrapper": "STOCKS_AND_SHARES_ISA",
  "from_date": "2025-04-06",
  "to_date":   "2026-04-05",
  "include_dividends": true,
  "format": "json"
}

200 OK
{
  "account_id": "ISA-001",
  "currency": "GBP",
  "valuation_gbp": 48230.55,
  "transactions": [
    {"date":"2025-05-11","ref":"BUY","sedol":"B1YW440",
     "qty":12,"price":48.21,"charges_gbp":11.95,
     "wrapper":"ISA"},
    {"date":"2025-08-30","ref":"DIV","sedol":"BD6K457",
     "amount_gbp":24.10,"tax_credit":0.00}
  ],
  "next_page": null
}

Active Savings — OBIE Open Banking AIS

GET /open-banking/v3.1/aisp/accounts/{accountId}/transactions
Host: api.hl.co.uk
Authorization: Bearer <OAUTH2_AUTH_CODE_FLOW_TOKEN>
x-fapi-financial-id: 0015800001ZEZ8TAAX
x-fapi-interaction-id: 4c5e1b...

// Response follows Open Banking
// Read/Write Data API v3.1 (OBReadTransaction6)
{
  "Data": {
    "Transaction": [{
      "AccountId": "AS-77231",
      "TransactionId": "TX-901",
      "BookingDateTime": "2026-04-12T09:14:22Z",
      "Amount": {"Amount":"500.00","Currency":"GBP"},
      "CreditDebitIndicator": "Credit",
      "TransactionInformation": "Top-up via pay by bank"
    }]
  }
}

Webhook — new dividend / order fill

POST https://yourapp.example.com/webhooks/hl
X-OFL-Signature: t=1714400000,v1=4f9b...

{
  "event": "order.filled",
  "client_id": "HL-1234567",
  "account_id": "SIPP-002",
  "order_id": "ORD-55321",
  "sedol": "BMTRWH7",
  "filled_qty": 50,
  "avg_price": 102.34,
  "currency": "GBP",
  "ts": "2026-04-29T10:45:11Z"
}

Compliance & privacy

Hargreaves Lansdown Asset Management Ltd is authorised and regulated by the UK Financial Conduct Authority (FCA Register number 115248). Hargreaves Lansdown Savings Ltd is listed in the Open Banking regulated-provider directory as an ASPSP for Active Savings.

Every integration we deliver follows three concrete rules: (1) explicit user authorization or documented public/AISP endpoints — no scraping without consent; (2) UK GDPR data-minimization — we only store the fields the downstream system actually needs; (3) full audit logging of consent grants, token refreshes and data pulls so the client can satisfy FCA and ICO information requests.

For higher-touch deployments we also align with PSD2 SCA rules for any payment-initiation step, and CASS for any flow that touches client money on the Active Savings cash hub.

Typical modules

• HL session bootstrap with secure-number challenge handling
• Portfolio, holdings and transaction synchronisation
• ISA / LISA / SIPP / JISA wrapper classification engine
• Active Savings AISP client (OBIE Read/Write API v3.1)
• Ecospend-aware pay-by-bank initiation wrapper
• Order webhook bus and dividend stream
• Consent registry, token vault and refresh scheduler
• HL Newsroom and factsheet research crawler (authorised)

Deliverables checklist

• OpenAPI / Swagger spec for every endpoint we expose
• Protocol & auth flow report (HL secure-number, session refresh, OBIE OAuth2 / FAPI)
• Runnable source code for login, portfolio, statement and pay-by-bank flows (Python or Node.js)
• Automated test suite with sandbox fixtures and golden-file responses
• Compliance briefing (FCA conduct, UK GDPR, OBIE customer-experience guidelines)
• Operational runbook: token expiry, rate-limit handling, secure-number rotation

About OpenFinance Lab

We are an independent studio focused on fintech and OpenData / OpenFinance / OpenBanking integrations. Our team includes engineers from UK retail banks, payment gateways, mobile protocol-analysis labs, and cloud platforms. We have shipped end-to-end integrations against UK D2C investment platforms, EU PSD2 ASPSPs, and APAC payments rails — all under explicit user authorization or documented public APIs.

• Two engagement models: source-code delivery from $300 (pay on satisfaction) or pay-per-call hosted API
• Coverage: UK (FCA / OBIE), EU (PSD2 / EBA), and global retail-investment apps
• Stacks: Python, Node.js, Go, Java; Kafka, Postgres, Redis
• Optional: SOC2-aligned logging, NDA, dedicated support channel

Engagement workflow

1. Scope confirmation: which HL wrappers (ISA / LISA / SIPP / Active Savings) and which fields you actually need.
2. Protocol analysis & API design: 2–5 business days, including secure-number flow validation.
3. Build & internal validation: 3–8 business days, with sandbox or read-only HL test account.
4. Documentation, code samples and test cases: 1–2 business days.
5. First usable delivery: 5–15 business days; OBIE-registered AISP/PISP work may take longer.

FAQ

Does Hargreaves Lansdown offer an official public API?

What HL data can you typically integrate?

How do you handle compliance for HL integrations?

How long does an HL integration take to deliver?