How-to Guide: Connect Banking Circle to Ledge

This guide explains how to connect your Banking Circle account to Ledge using machine-to-machine (M2M) OAuth 2.0 authentication.

You’ll complete the following steps:

1. Request access via your Banking Circle account manager

2. Download your certificate from the Banking Circle portal

3. Configure the connection in the Ledge Admin Portal

🔐 Administrator privileges required

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1. Request M2M API Access from Banking Circle

To get started, email your Banking Circle account or integration manager with the following request:

Subject: M2M API User Setup for Ledge Integration for the Production environment Body:

I would like to set up M2M API credentials for Ledge (a third party provider we collaborate with to automate our finance operations). Please configure the following:

• API user email: [email protected]

• Whitelisted IPs: 34.231.208.110

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2. Access Your Certificate in the Portal

📝 Continue to step 2 only once you got a confirmation from Banking Circle and you have the username and password for the Ledge user ([email protected]).

1. Log in to the Banking Circle Developer Portal

2. Navigate to the Certificates section

3. Download the issued certificate

4. If prompted - reset your certificate passphrase

5. Save:

   • The certificate file

   • The passphrase

   • the Ledge user username and password

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3. Configure Ledge user Permissions

1. In your Banking Circle client portal - configure the permissions for the Ledge API user (created by your Banking Circle account manager):

   1. Allow all relevant Read permissions, including listing accounts and balances and if needed payments/transactions.

   2. Allow generation of CAMT/ISO20022 files

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5. Configure Connection in Ledge

1. Log in to the Ledge Admin portal

2. Go to Sources → Add Source → Banks → Banking Circle

3. Click + Add Banking Circle Connection

4. Fill in the following:

   • Username and Password: of the generated API user

   • Certificate Passphrase

   • uplodate the certificate that was downloaded ("as is") from BankingCircle portal

5. Click Save and notify your Ledge Implementation manager that will verify the integration and permissions and will set up the integration fields/schema and rules

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What Data Ledge Will Fetch

Ledge will securely fetch the following data via Banking Circle's read-only APIs:

Data Type	Endpoint
Accounts	/api/v1/accounts
Balances	/api/v1/accounts/{accountId}/balances
Transactions	/api/v1/accounts/{accountId}/bookings
Reports	/api/v1/reports/... (e.g. camt.053, EOD)

All requests are read-only. Ledge does not modify any data.

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Last updated: July 2025