Landlords rarely doubt that you say you pay on time — they doubt that they can check it. This guide shows how to turn your bank data into proof they can verify in seconds, from setup to your first shared profile.
The traditional way to prove rent payments is a bank statement PDF or a reference letter from a previous landlord. Both have the same weakness: they are trivially editable, and the person reading them knows it. A statement also reveals far more than a leasing decision needs — your balance, your salary, your shopping.
Maja takes the opposite approach. Your bank sends transaction data directly through PSD2 open banking, Maja identifies the recurring rent payment, and the landlord sees a summary of that one payment stream — nothing else. The data cannot be edited by you, by the landlord, or by Maja.
You do not need a credit score, a national ID number, a rental reference, a payment card, or documents from your previous landlord. Maja is free for renters, permanently.
Sign up with email, Google or Apple and choose the renter role. If you use Google or Apple, Maja asks for your name separately, so landlords see "Emma K." rather than an email address. You can switch roles later in Settings if you also rent out a property.
Search for your bank and complete the authorisation inside your bank's own login flow — the same screens and strong authentication you already use. Your credentials are entered at your bank and never reach Maja. The access granted is read-only: Maja can read transactions and can never move money, change your details, or initiate payments.
Two things worth getting right at this step:
Maja scans your history — typically 12 to 24 months, depending on what your bank exposes — and looks for a recurring outgoing payment with a stable amount and a stable payment day. Transfers between your own accounts, card purchases and one-off payments are filtered out before anything is shown to you.
You then confirm the proposed payment once. Nothing is saved to your profile until you do. From that point Maja knows your rent amount, your usual payment day and the payee, and groups payments by month so a double payment or a correction does not distort the record.
Your dashboard shows the number of verified months, how many payments arrived on time, and a reliability label — Excellent Renter, Reliable Renter, Establishing History, or Some Late Payments.
A payment counts as late only when it lands more than five days after your normal due day. Weekends, bank holidays and a slow interbank transfer therefore never count against you. Where a payment genuinely was late, the number of days is shown honestly — a single late month in a long clean record reads very differently from a pattern.
Enter the landlord's email address and Maja sends a secure link. They need no account and no login, which removes the usual reason your attachments never get opened. Each link is separate, so you can create one per application and see which have been opened. Links expire after 30 days so an old application cannot circulate indefinitely.
The free view always covers your three most recent months. If a landlord wants a longer track record before signing a long lease, they can unlock 6, 12 or 24 months at their own cost — you are never charged. See what rental owners see for the exact field-by-field breakdown.
PSD2 requires bank consents to be re-authorised roughly every 90 days. Maja emails you before yours expires and shows a banner on your dashboard; renewing takes a few clicks and your existing verified history stays intact. If you are between apartments, it is still worth renewing — history keeps accumulating and you arrive at viewing season with a longer record.
A few situations legitimately produce no result: rent paid in cash, rent paid by someone else's account, rent bundled into a single transfer with utilities, or an amount that changes every month. In those cases, connect the account the money actually leaves from, or read the bank connection troubleshooting guide.
About five minutes, most of which is your bank's login flow. Detection is immediate afterwards.
No. Renters use Maja free of charge, with no payment card at any point. Landlords pay only if they choose to unlock more than the free three-month window.
No. Access is read-only, and a shared profile shows a rent-payment summary — never your balance, salary or other transactions.
Up to 24 months, limited by how much your bank exposes over PSD2. Some banks provide 12 months, some more.
Connect your new bank to the same profile. Maja works across the EU/EEA and the UK, so your track record follows you instead of resetting.
Yes. You can disconnect your bank or delete your account at any time from Settings, and your data is removed.
Create your renter account and connect your bank in minutes.
Company: Maja App Oy, Business ID 3633958-3, Finland. Questions? Email hello@maja-app.com