Legal · Bank Connection
EKKO & your bank
Required by Akahu accreditation · Read this before connecting your bank
What is Akahu?
Akahu is a New Zealand company that acts as a secure bridge between apps like EKKO and your bank. Akahu is accredited under New Zealand’s Consumer Data Right (CDR) framework - meaning it has been independently certified to handle bank data safely.
When you connect your bank to EKKO, you never give your login details to EKKO. Instead, Akahu shows you a secure login page from your own bank. You authenticate directly with your bank. EKKO never sees your username, password, or any credentials.
Which Akahu product EKKO uses
EKKO uses Akahu’s Enduring Connectivity - the service built for personal-finance apps. It lets EKKO read your account balances and your enriched transaction history, and (only when you ask) move money between your own accounts.
EKKO does not use Akahu Apply, which is a separate product for lenders (affordability checks and credit scoring). EKKO is not a lender and never assesses you for credit.
Because EKKO uses Enduring Connectivity, EKKO computes your Uncommitted Monthly Income (UMI) from your own transaction data - Akahu does not calculate it for us.
What EKKO can see
- ·Your account names and types (e.g., "ANZ Savings")
- ·Your account balances - read at each Judgment Day and when you request a refresh
- ·Spending category totals (e.g., groceries: $320 this week) - used to calculate your Uncommitted Monthly Income (UMI)
- ·Account connection status (whether your Akahu link is active or not)
What EKKO cannot see
- ·Your bank login credentials - ever
- ·Individual transaction descriptions or merchant names
- ·Payment card numbers, PINs, or CVV codes
- ·Accounts you have not explicitly chosen to link
- ·Any data from banks or accounts you have not connected
What EKKO can do
- ·Read your Arena and Stash account balances
- ·Read spending category totals to calculate your UMI
- ·Initiate transfers between your own connected accounts (e.g., Stash → Arena) - only when you explicitly request it inside the app
What EKKO cannot do
- ·Transfer money to any account that is not yours
- ·Access any account you have not linked
- ·Make payments to third parties
- ·Store or share your bank credentials
- ·Perform any action without your explicit instruction
How to disconnect your bank
You can disconnect your bank at any time. The process is immediate:
- Open the EKKO app and go to Profile
- Tap Bank connection
- Tap Disconnect bank
- Confirm - your connection is revoked immediately
You can also revoke access directly through Akahu at my.akahu.nz.
What happens when you disconnect
- All Akahu-sourced data is deleted immediately - balance snapshots, spending category data, and your UMI records are removed from EKKO’s systems within minutes.
- Your EKKO account remains active. You keep your game history, XP, and streaks.
- If you are in an active Gold game at the time of disconnection, Judgment Day will use your last known balance until you reconnect or the game ends.
- Your bank balances are never affected. EKKO has read-only access to balances - disconnecting does not move any money.
Data kept after disconnection
The game audit log records Judgment Day results (balance at the time, HWM, outcome) for 7 years from the date of each event. This is required so any game outcome can be disputed and verified.
This audit log contains balance snapshots taken at Judgment Day - not ongoing live data. Disconnecting stops all future balance reads.