EKKO & your bank — how it works
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.
✅ 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 Usable Money Income
- ·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.