During the application process you will be asked to select your bank account and log in using your credentials so we are able to access your online bank statements. This is so that Columbus Financial Services Limited can verify your income and expense information to meet our responsible lending obligations. In addition, verifying your income and expenses through Bank Statements Online will result in a quicker application decision than when statements are manually supplied. Once you’ve logged in, you will choose the bank that your main income goes to and expenses go out of for validation. Your transactional data is shared with us securely so that we can verify your income and expense information. You’ll get an opportunity to confirm whether the figures produced for income and expenses are accurate, before completing your application.