500+ Verified Certificates

Rent to Verified Tenants With Confidence

Q: How long does the certification take?

Usually less than one minute. Once the applicant connects their bank account, our system analyses the data and delivers the certification report almost instantly.

Q: Do I still need a credit report?

Not necessarily. Many landlords use Abitamo instead of a traditional credit report because it provides a more complete view of the applicant's current financial behaviour — not just their credit history.

Q: Can applicants cheat the system?

No. All data is verified directly through secure, encrypted open-banking connections. There are no documents to upload or manipulate — the data comes straight from the applicant's bank.

Q: What if the tenant refuses to connect their bank account?

That is typically an additional screening signal in itself. Landlords use this as part of their overall assessment of the applicant's transparency and reliability.

Q: Does Abitamo affect a tenant's credit score?

No. Abitamo uses open-banking connections, not credit inquiries. The certification process has zero impact on the applicant's credit score.

Real financial data. Zero document fraud.

Stop relying on pay stubs that can be edited in minutes — let Abitamo verify your applicants using secure open-banking technology.

Get Started Free

50,000+

renters certified

< 60s

to receive a certification

82%

faster tenant decisions

Why Landlords Choose Abitamo

Stop Guessing. Start Knowing.

Stop relying on documents that can be faked

Screenshots, PDFs, and pay stubs are easy to manipulate. Abitamo verifies applicants directly through secure open-banking connections — so you see the truth.

Predict who will pay rent on time

We analyse verified income, spending habits, savings cushion, rent-to-income ratio, and cash flow trends to give you a clear, objective picture.

Reduce eviction and delinquency risk

Most rental losses happen because landlords can't see the tenant's true financial health. Our certification shows exactly whether a tenant can consistently afford the rent.

Approve responsible renters — even with low credit scores

Credit scores ignore daily financial behaviour, actual income flow, and rent payment consistency. We surface renters who are truly reliable.

How It Works

Four Steps to a Verified Tenant

No paperwork. No back-and-forth. Results in under 60 seconds.

Invite your applicant

Send them a secure Abitamo link directly from your dashboard. No paperwork required on either side.

They connect their bank

We use encrypted open-banking technology — the same used by major fintech apps. Secure, fast, and private.

We analyse financial behaviour

Our system assesses the tenant's real affordability, income stability, spending patterns, and risk level.

You receive the certification report

Score, verified income, rent affordability ratio, spending trends, risk factors, and a clear summary assessment.

What You Get

Every Certification Includes

A complete, fraud-proof financial picture of your applicant — delivered in under 60 seconds.

Verified Ability to Pay

Confirmed income from open-banking data.

True Income Stability

Consistent salary patterns over time, not a single snapshot.

Spending & Savings Assessment

Responsibility and financial cushion clearly quantified.

Risk Predictions

Predictive indicators of potential payment issues.

Fraud-Proof Verification

All data sourced directly from the bank — nothing to fake.

Easy-to-Read Scores

Clear certification score — no expertise needed to interpret.

No PDFs to Check

Eliminate manual document review entirely.

Results in Under 60s

Make confident decisions fast, without delays.

Who Is It For?

Built for Every Type of Landlord

Whether you own one property or a hundred, Abitamo gives you the same reliable picture of your applicant's financial health. If you want to choose tenants based on financial truth — not paperwork — Abitamo is for you.

Individual landlords Small rental portfolios Airbnb & short-term hosts Build-to-rent operators Co-living owners Multi-unit landlords First-time landlords High-risk neighbourhoods

FAQ

Frequently Asked Questions