Overview

Atto Statement allows you to generate and retrieve an account statement in PDF format, providing a detailed overview of the account’s activity. The statement is created using Atto Stored Data API, not directly from the bank, ensuring seamless integration and consistent data representation.

Please note: This statement is generated by Atto and not the bank.

Please note: To use this Atto Statement API, storage has to be switched on.

The generated PDF includes:

• Account Identifiers
• Balance Information
• Transaction Details

This feature enables businesses to offer their customers an easy way to access and review account statements, supporting compliance, financial reporting, and lending processes.

Challenges We Help Address

• Ensuring Data Integrity and Accuracy

  Since the data is fetched directly from the customer's connected bank account, there is a high level of confidence that the information presented in the PDF statement has not been manipulated.

• Simplifying Access to Account Statements

  Generate PDFs on-demand without burden on customer to choose right account and period for PDF statements.

• Improving Transparency and Record-Keeping

  Provide users with clear, consistent account summaries that can be used for audits, personal financial management, or credit assessments.

• Reducing Operational Complexity

  Automate statement generation to save time and eliminate the need for manual data extraction and formatting.

• Supporting Compliance and Loan Underwriting

  Offer detailed account activity records to assist with regulatory requirements and assess creditworthiness.

How It Works

The Atto Statement feature collects transaction and balance data from the bank to generate a professional, well-formatted PDF. The statement includes the following sections:

1. Account Information

   • Account number and name
   • IBAN and other relevant identifiers

2. Balance Summary

   • Starting balance for the statement period

3. Transaction Details

   Each transaction is displayed with the following details:

   • Date: The date the transaction occurred

   • Description: A description of the transaction

   • Amount: The transaction amount (credit or debit)

   • Balance: The running balance after each transaction

4. Statement Period The statement reflects all account activity within a specified period, which can be customized based on the available data range.

API Schema and Response

Atto Statement API

Response is returned in application/pdf format.

Use Cases

With Atto Statement, you can:

• Provide Users with Instant Account Statements: Enable customers to download and review account activity for any specified period.

• Streamline Loan Underwriting: Use detailed account statements to assess income, spending patterns, and financial health.

• Enhance Financial Reporting and Compliance: Generate standardized account summaries for audits, reporting, and regulatory compliance.

• Support Personal Financial Management: Help users track and review their financial activity in an easy-to-read PDF format.

Key Features & Benefits

• PDF Statement Generation

  Create high-quality, standardized PDF statements from stored transaction data.

• Detailed Transaction History

  Include every transaction within the selected period, along with descriptions, amounts, and running balances.

• Automated and Reliable

  Use the Atto API to generate statements without manual effort or delays.

• Supports Regulatory and Audit Requirements

  Offer detailed account statements that comply with financial reporting standards.