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 – when it expires, you renew it or create a new one.
Before you start
The bank integration must be active. You'll find it under Administration → Module settings → 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.
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 → Module settings → Bank.
Under Bank accounts, find the correct account – or click Add bank account for a new one.
Connect the account to the bank 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 Options 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
View and renew consents
You'll find the consents in two places:
Under Administration → Module settings → Bank, in the Consents list at the bottom (the columns Bank, Person, Status, Created, Expires).
Or on an account: Options → Edit bank account → the Consents tab.
The status is either Active (green) or Expired (red). Each row has two icons:
Renew (↻) – renews the consent. You're redirected to the bank for approval with BankID.
Delete (✕) – removes the consent. You get a confirmation dialog ("Are you sure?") before the consent is deleted.
To renew an expired consent, click Renew (↻) on the row and approve again in the bank with BankID. Alternatively, delete it with ✕ and create a new one.
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 → Module settings → Bank and find the bank account.
Click Options → Disconnect.
Connect the account to the bank again 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'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 → Module settings → 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.