Tenant Passport

Tenant Passport is a bank-verified financial summary you can share with landlords or letting agents when applying to rent. It pulls data directly from your connected bank account via Open Banking to show your income, regular commitments, disposable income, and payment reliability — giving landlords confidence without you having to hand over payslips or bank statements.

Your passport includes:

• Identity — Your full name and bank provider, verified by your bank

• Income — Estimated monthly income, source (employer name), and how consistent it's been over the past 6 months

• Commitments — Recurring outgoings like utilities, subscriptions, insurance, and loan repayments

• Disposable income — What's left each month after commitments, plus an affordability band (comfortable, manageable, or stretched)

• Payment reliability — An overall reliability rating (Strong, Good, or Fair) based on your affordability, income stability, and returned direct debits

Your passport does not include individual transactions, bank balances, account numbers, or any data you haven't chosen to share.

No. Landlords never see your individual transactions, bank balance, or account details. They only see the summarised figures on the passport PDF — income, commitments, disposable income, and your reliability rating.

When a landlord verifies your passport using the QR code, they can only confirm that the passport is genuine and hasn't expired. The verification page shows your name and passport dates — no financial data.

Once your passport is generated, you can:

• Download a PDF and email it, print it, or upload it to a referencing portal

• Share the verification link so the landlord can confirm it's genuine

Each passport includes a QR code and a link that landlords can use to verify authenticity. This confirms the passport is real and current, but doesn't give them access to any additional data beyond what's on the PDF.

Your passport is valid for 30 days from when it was generated. After that, it expires and the verification link will no longer confirm it as active.

You can generate a new passport at any time to get a fresh snapshot of your finances. Each new passport gets a new ID and reflects your most recent bank data.

Tenant Passport analyses your bank transactions to estimate your income and commitments. Because it's working from transaction data rather than payroll records, there are a few reasons the numbers might not be perfect:

• Single account — The passport reflects data from one connected bank account. If your income arrives in a different account to the one connected, it won't be captured.

• Irregular income — If your income varies month to month (freelance, shift work, multiple jobs), the estimate may not fully reflect your earnings.

• New commitments — Recently started or cancelled subscriptions may take a couple of months to be recognised as recurring.

Tenant Passport is in early preview and we're actively improving accuracy. If something looks wrong, please get in touch via Settings > Support.