Connecting Bank Accounts

Master data → Bank accounts holds two things: the account numbers of your companies, and the banks you have connected. Connecting a bank lets AI Finance Team import transactions on its own, so nobody exports a statement by hand.

Account numbers matter even without a connection: incoming transactions are matched against them, which is how a transfer between two of your own accounts is recognised.

Who Can Do What

Connecting and disconnecting a bank belong to the client side by rule, not by role: no custom role and no exception can grant them to an accountant, because bank credentials must stay with the client. See Roles and Permissions.

Account Numbers

Bank account numbers, at the top of the page, lists the IBANs and domestic account numbers of every company, whether or not a bank is connected. Add one with Add bank account, choose the Company, and give it a Nickname if the number alone is not obvious.

Register your numbers before connecting a bank: when the bank returns an IBAN that is already on the list, the company is filled in for you in the next step.

An account that several of your companies use is declared here as well. See Cash Pool.

Connecting a Bank

1. Click Connect a bank.
2. Choose the country and the bank. The list is fetched from the provider the first time you open a country, so it can take a moment to fill.
3. Choose How much history to import: up to 90, 60 or 30 days. This cannot be changed later without connecting again, because your bank fixes the period when it grants the consent. Some banks allow less than 90 days, and the choice is then reduced to what they allow.
4. Click Continue. Your bank's own consent page opens, and you sign in there. AI Finance Team never sees your banking credentials, and the access your bank grants is read-only: it cannot move money.
5. The bank's page is in English whatever language you use in AI Finance Team. That is the provider's page, not ours.
6. After you authorise, your browser comes back and the accounts under your consent are listed.

Choosing which accounts to track

The dialog lists the accounts your bank returned, with the IBAN and the currency:

• Tick the accounts you want to import, and leave the rest.
• Give every ticked account a company. Confirm and start importing stays disabled until each one has it, so the workspace needs at least one company first.
• Click Confirm and start importing.

One approval per bank login. Some banks keep only your latest approval for each login. If you hold several accounts at one bank, tick them all in the same round, both on your bank's page and in this list. Connecting the same bank again later with fewer accounts can switch off the ones you left out.

Two things to expect here. The dialog cannot be closed once it is open, because the consent has already been granted. And it may say "Loading accounts…" for up to half a minute, because the provider is still processing the consent; it retries on its own.

The first import runs straight away and takes a few minutes, depending on how far back you asked it to go.

Placeholder names. If an account arrives as something like "Account (…ab1234)", your bank's API was rate-limiting us when we asked for its details. The account is connected and will sync normally. The name comes from the bank and cannot be edited here.

An account missing from the list is a different problem, and not a rate limit. Connect again, and if it stays missing, contact support with the error code shown.

What Happens After Connecting

• Transactions arrive twice a day, in the early morning and the early afternoon, Central European time.
• The AI gives each transaction a category and looks for the invoice or partner it belongs to. See Matching Invoices and Transactions.
• What it is unsure about waits for you on the Bank transactions and Matching pages rather than being guessed.

You can change which company an account belongs to later: the account's row carries a company list, and client-side members can change it there.

Each connection lists its accounts as rows: the full account number with its status, the currency, the last sync, the company and the actions. A bank with more than seven accounts shows the first seven, and + N more accounts opens the rest.

Sync now

Sync now on the connection card fetches immediately, for example after a payment has just cleared. It is limited to two manual syncs a day per account. The button does not count them down: when the limit is reached, clicking it says so.

Consent Expiry and Reconnecting

Open banking consent expires. How long it lasts is your bank's decision, commonly 90 days, and longer at some banks. The connection card shows the actual date.

Seven days before that date the card turns amber and says Expires in N days. The connection keeps working in that week: transactions still arrive twice a day and Sync now still works. Use the week to renew. On the expiry date syncing stops and the card shows Expired.

A bank can also withdraw access before that date, for example when a newer approval for the same login replaces this one, or when you revoke it in your internet bank. The card then shows Expired at the next sync and syncing stops. Connect the bank again to continue.

To carry on, connect the same bank again. AI Finance Team recognises it as a renewal, so it does not ask about history again and asks the bank for the longest period it allows. Your existing transactions and everything done with them are kept.

Mind the gap. If a consent lapsed before you renewed it, the days between the last sync and the earliest date the provider will now return cannot be recovered from the bank. The card names that period. Fill it from a statement: see Uploading Bank Statements.

Disconnecting

Disconnect on an account stops it syncing. The transactions already imported stay in the workspace; nothing is deleted. You can connect the account again at any time.

Remove takes a card off the page entirely, and its accounts stop importing. It works on any connection that no longer syncs (expired, disconnected, in error or not finished), and on a connection with no active account, for example an approval whose accounts were never saved. Any finance lead can remove a card, not only the one who created it. When you connect the same bank again, the old cards the new approval replaces are removed for you.

Disconnect appears while a connection is active or about to expire, Remove once it no longer syncs. Both are only for the finance lead.

Troubleshooting

"Your bank was unable to complete the connection." The message ends with a code in brackets. It usually means a temporary problem at the bank, so wait a few minutes and try again. If it keeps happening, send support that code: without it the cause cannot be traced.

No transactions after connecting. The first import takes a few minutes. Reload the transactions page, then check the connection card for a sync error and try Sync now.

An account I expected is not in the list. That is not a rate limit (those arrive with a placeholder name). Run the connection again.

The card says Expired before its date. Your bank withdrew access early. Connect the bank again and tick every account you want to keep at that bank, including accounts shown on other cards for the same bank.

A card says Not finished. The connection was started but never approved at the bank. Remove it, or connect the bank again.

The card offers Re-authorize. It only tells you to use Connect a bank, which is the real way to renew a consent.

I cannot see Connect a bank. It is shown to client-side members only. An accountant cannot connect a client's bank, by design.

The connection card shows Error. Open the card: the status names the provider's reason. A connection in error can be disconnected and connected again by the finance lead.