The problem
Banks notify you about marketing offers and not about the things you actually want to know. “Your offset account just dropped below the buffer” is the alert most account holders would actually open. Setting it up requires either a fintech app you don’t want or a custom integration nobody wants to build.
What we’re building
Banking Alerts is the studio’s own minimal version. The Basiq Open Banking API handles consent and account access (Australia-only at the moment). An n8n flow polls balances on a schedule, applies user-defined thresholds, and fires notifications through ntfy — an open-source push service that doesn’t require an account on the recipient’s end.
The automation angle
All in n8n, deliberately. The whole flow — auth refresh, balance fetch, threshold check, notification fan-out — lives in a graph anyone on the team can read and edit. It also means we can extend it (transaction categorisation, alerts on suspicious patterns) without touching code.
How it’ll be used
- Households running offset and savings buffers that need to stay above minimums.
- Sole traders watching their business account before paying suppliers.
- Anyone with auto-pays who wants warning before a direct debit tips the balance.
Where we are
Auth, polling, and threshold alerts are working. Next milestone is multi-recipient routing (different thresholds, different phones) and a small admin UI for non-technical users to manage their own thresholds without touching n8n.