For Catacloud to fetch bank transactions and balances automatically, there must be a valid bank consent on the bank account. The bank integration is delivered by ZTL (open banking), and you approve the consent with BankID.
A consent has a limited validity period. The bank decides how long it lasts, and the period cannot be extended. You can renew the consent at any time – also before it expires.
Using Aritma? Then you have no bank consent. To disconnect an account, see Disconnecting a bank account or turning off Aritma.
Before you start
The bank integration must be active. You'll find it under Administration → Bank, at the bottom under Bank integration (it says "Delivered by ZTL" there). The toggle should be set to Active. (Costs may apply when activating and using it.)
You need BankID to approve the consent in your online bank.
You need the Create and update bank accounts permission (under Administration). Without it, the Actions menu is not shown on the bank accounts. See Which permissions are needed to set up bank integration?
Note for DNB: With DNB you log in using the company's own user ID – not a national ID number, which is common with most other banks. You'll find the user ID in the online bank under the login information (where the name and account are shown), and it looks something like RX8876.
How to create a consent (connect to the bank)
Go to Administration → Bank.
Under Bank accounts, find the correct account – or click Add bank account to add a new one.
Click Actions → Set up integration on the account. You're redirected to the bank to log in and approve the consent with BankID. The account then shows the Connected label.
Once the consent is approved, Catacloud fetches transactions and balances automatically going forward.
From the Actions menu on a bank account card you can:
Disconnect – removes the connection to the bank
Edit bank account – opens settings and the consent overview
Delete bank account – deletes the account entirely from Catacloud
On an account that is not yet connected, the menu shows Set up integration instead of Disconnect.
View and renew consents
You'll find the consents in two places:
Under Administration → Bank, in the Consents list at the bottom (the columns Bank, Person, Status, Created, Expires).
Or on an account: Actions → Edit bank account → the Consents tab.
The status is Active (green), Expired (red) or Failed (red). Failed means the consent has not been approved in the bank yet, or that the bank rejected it. Renew it, or delete it and create a new one. Each row has two icons:
Renew (↻) – renews the consent. You're redirected to the bank for approval with BankID. The icon is only shown to the person who created the consent – only that person can renew it.
Delete (✕) – removes the consent. You get a confirmation dialog ("Are you sure?") before the consent is deleted.
To renew a consent, click Renew (↻) on the row and approve again in the bank with BankID. This works both when the consent has expired and when it is still active. Alternatively, delete it with ✕ and create a new one.
When does the consent expire?
The date in the Expires column is when the bank expects the consent to expire. The bank can still end it earlier. Catacloud does not warn you before the consent expires, so check the date regularly and renew in good time.
Tip: After you've deleted a consent, the dialog will show "No bank consents found" – this is normal and means you can create a new one.
Missing transactions? Disconnect and reconnect
Sometimes transactions are missing even though the consent looks valid. The bank can withdraw a consent without warning, and we don't always get a notification that it has expired. In that case, disconnect the account completely and reconnect it:
Go to Administration → Bank and find the bank account.
Click Actions → Disconnect.
Then click Actions → Set up integration and approve a new consent with BankID.
Once the new consent is approved, transactions are fetched automatically. See the article When are payments and bank data updated? for information on when synchronisation runs.
Troubleshooting: when signing hangs or doesn't work
You are asked for a user ID when you try to pay
When you confirm a payment, the Bank login window may appear instead of Process payments. This means you do not have an active consent on the account you are paying from. The consent is personal, so a colleague can have an active consent on the same account without it applying to you.
Enter your user ID and click Authenticate. In most banks this is your national ID number. DNB uses the company's user ID.
You are sent to the bank. Approve with BankID.
Go back to Bank → Payments and confirm the payment again. Process payments now opens. Once you have signed in the bank, the payment is listed under Bank processing.
Do you get an error message in the window?
"The bank rejected the login …": Check that the user ID is correct and that you have access to the company in the online bank.
"Did not receive a link to the bank login …": Try again. If it keeps happening, contact us in the chat.
Does the window come back even though you just approved in the bank? Go to Administration → Bank → Consents and check that your consent shows Active. If it shows Failed, delete it and create a new one.
You're stuck in a loop – the BankID page keeps reloading without approving the consent
This occasionally happens when renewing or creating a consent, and is usually caused by one of the following:
You used the browser's back button during the BankID flow. This breaks the signing process. Start completely from scratch: delete the consent in Catacloud and create a new one.
The BankID session was interrupted by another login (e.g. you were logged into online banking in another tab). Close all online banking tabs, delete the consent and try again.
Wrong user ID (DNB). DNB requires the company's user ID (e.g. RX8876) – not a personal ID number. Check that you're using the correct ID.
You approved in the bank, but Catacloud still shows "Not connected"
The signing process via ZTL has a time limit of 25 minutes. If BankID signing took longer than that, the consent was not registered. Delete the consent and create a new one – make sure your BankID app or code device is ready beforehand.
Wait 1–2 minutes after approving before checking the status in Catacloud, as the confirmation from the bank can take a moment to reach us.
No feedback after signing – the page just hangs
Sometimes the bank's signing page doesn't give a clear confirmation. Go back to Administration → Bank → Consents and check whether the status has changed to Active.
If not, delete and try again.
The consent is active, but transactions are still missing
Synchronisation happens automatically at fixed times. If transactions still haven't appeared after enough time has passed, see the article When are payments and bank data updated? for an overview of the times. If that doesn't help, disconnect and reconnect the account (see the section above).
When should you contact us?
Are the options for connecting / renewing a consent missing? First check that the bank integration is active (see "Before you start").
The loop persists after deleting and creating a new consent, or transactions are still missing after reconnecting? Get in touch in the chat and provide the client, bank account and what you tried.
Can't see Renew (↻) on a consent? Then it was created by another user. Ask that person to renew it, or disconnect and reconnect the account with your own BankID (see «Missing transactions? Disconnect and reconnect»).