working to make banking fairer - compare current accounts with midata

Midata is an industry initiative that major UK banks, including Santander and cahoot, have signed up to.

This service allows you to download 12 months of transaction history from your current account. Each bank will provide this information in the same format (CSV file) which you can then upload to independent comparison sites.†These sites analyse your information and show you a comparison of current accounts based on your spending habits from the previous 12 months.

how do I use midata?

You can easily download your midata information from online banking. Simply log on as you normally would and follow the instructions below:

Your midata file won't contain any personal information such as name, address or account number and potentially sensitive transactions are masked for your security.

    Once you've downloaded your midata file it's your responsibility to keep it safe.

where do I use midata?

When you've downloaded your midata file from online banking and saved it to your computer you can visit a comparison website that offers the midata service.


We're committed to keeping your information safe. That's why personal data is masked in the midata files you download from online banking. When you upload your information to comparison sites, they'll only be able to see the sets of data they analyse for you to produce your comparisons.

The comparison sites won't ask you for your name or contact details when you give them your transaction history. Also, each bank and comparison site offering the midata comparison has agreed to the code of practice†on how to keep your data private, and will follow data protection standards.†

If you have a joint account and would like to use this service, you must make sure that all other account holders are happy for you to download the file and upload it to a comparison site.†

    Once you've downloaded your midata file it's your responsibility to keep it safe.

When uploading your data, please choose a reputable comparison site that you are confident will use your information in a safe way.

keeping your midata information safe

If you store your midata file on your computer or device, make sure you protect the information by:

If you'd like more information on how to protect your computer, the Get Safe Online website offers a range of tips. See our security and privacy page for details about software to help protect your computer and our online banking commitment page for details about passwords and log on details.†

find out more about online banking

code of practice

The banks and comparison sites involved in midata have agreed to a code of practice on how it should work. You can see the code and more information on midata at

We've summarised the important information for you below.


comparison sites:

The banks and comparison sites all commit to answering any queries about midata.

cahoot is a division of Santander UK plc. Registered Office: 2 Triton Square, Regentís Place, London NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768. cahoot, Santander and the flame logo are registered trademarks.