Start for free

Does Accountable store my banking credentials?

Written by: Sophia Merzbach

Updated on: October 31, 2026

Reading time: < 1 minute

Logo RB

Accountable does not access or store your banking credentials. This article explains how bank account access is managed, what happens with ING accounts, and why this matters for your security.

​

How is access to my bank account managed?

Since 2019, access to most bank accounts (except ING) is handled by our trusted partner Budget Insight (now Powens).

​

Powens is a France-based company regulated under the European PSD2 directive. Powens is authorised by the French authority (ACPR) as a Third Party Provider (AISP & PISP), meaning it meets strict security and compliance standards.

👉 You can learn more about Powens' security measures on their website: https://www.powens.com/security-compliance/

​

What about ING accounts?

Access to ING accounts works differently.

​

Instead of using your banking credentials, access is granted through a signed paper mandate sent directly to ING. Your credentials are never stored or shared.

​

Why this matters

By relying on regulated partners and secure access methods, Accountable ensures your sensitive banking information stays protected at all times.

​

Key takeaways

  • Accountable never accesses or stores your banking credentials.

  • Access to most bank accounts is handled by Powens, a PSD2-regulated Third Party Provider authorised by the French ACPR.

  • ING account access uses a signed paper mandate sent directly to ING, with no credentials stored or shared.

  • Your banking information is protected through regulated partners and secure access methods.

Need help? Chat with us or email [email protected], we're happy to help.

Selbstständig starten, ohne Steuerfehler

Der komplette Leitfaden für die ersten 12 Monate - von Steuerberatern geprüft

Kostenlos herunterladen
Sophia Author

Author - Sophia Merzbach

Sophia has been a key member of the Accountable team for many years, bringing a unique blend of journalistic precision and in-depth tax expertise to her work.

Who is Sophia ?

Did you find what you were looking for?

You might also like

An overview of the different tax classes

How much income tax is deducted from your income is largely determined by your tax class. There are ...

Read more

Income tax for freelancers – how much tax do I have to pay in Germany?

Working as a self-employed professional has many advantages: You are your own boss and you can choos...

Read more

What is the Reverse Charge procedure and how does it apply to you?

Working with international clients can be tricky, depending on where exactly they’re located, whet...

Read more

Hear it straight from our users

5.300 reviews

App Store

4.580 reviews

Google Play

484 reviews

Reviews.io

They always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.

Chiara Marradi

Reviews.io 10/05/2026

This is an amazing application with great support on issues. In short as in day I am addicted to it (in a positive way). I myself is from IT project management and the way they have captured the user requirement, it’s phenomenal.

Sumit Tewary

App Store 01/12/2024

UI is great. Feature packed and very easy to use. The team at Accountable were VERY quick to respond and their team of technicians soon had a fix in place. Very happy with the level of service so far. Thumbs up from me!

Dean Osborne

Google 05/06/2023

Everything was great! All my questions were answered quickly and in a friendly manner.

Wenzeslawa Wegener

Reviews.io 11/05/2026

This program is a lifesaver, and it is always improving. Plus, it has an AI chat feature that is actually useful.

Jeffrey Humble

Google 12/01/2026

The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.

Sergio Barbarino

Reviews.io 13/04/2026

The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.

Norma

Reviews.io 06/04/2026

Fast and careful answers from Alina. Top service. Thank you.

Anonymous

Reviews.io 06/04/2026

In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!

Janina Arsenjeva

Reviews.io 10/04/2026

They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.

Anonymous

Reviews.io 12/03/2026