If bank transactions aren't appearing in Catacloud, there are several possible causes. Here are the most common ones – and what to do in each case.
Check the synchronisation schedule first
Catacloud fetches bank transactions automatically overnight between 02:00 and 05:00. Transactions from the previous business day therefore normally appear before 06:00. If transactions from today are missing, it's usually because the next run hasn't happened yet – wait until the following morning and check again.
See the article When are payments and bank data updated? for a full overview of the synchronisation times.
Expired bank consent (ZTL)
If you're using bank integration via ZTL (open banking), an expired consent is the most common cause of missing transactions. The bank can withdraw a consent without warning, and Catacloud doesn't always receive a notification when this happens.
How to check: Go to Administration → Bank and look at the consent list at the bottom. If the status shows Expired (red), it needs to be renewed.
Solution: Renew the consent or disconnect and reconnect. See the article Bank consent: create, delete and renew for the steps.
Daily limit reached (ZTL)
Under PSD2 regulations, banks can limit the number of automatic fetch requests per day without the account holder being present. When the limit is reached, the bank temporarily stops fetching and you may see the message "Daily access limit reached without PSU presence" in Catacloud.
Solution: Wait until the next day – the limit resets automatically and synchronisation will resume. Alternatively, you can disconnect and reconnect to force a new synchronisation with BankID confirmation.
See the article "Daily access limit reached without PSU presence" – what does this mean? for more information.
Missing transactions via Aritma
If you're using bank integration via Aritma (file transfer), synchronisation works differently from ZTL. There are no consents to renew, but transactions can still be missing if:
The bank agreement is not active or has been changed
A new bank account has not been added to the agreement
There is a technical issue with Aritma or the bank
Solution: Contact us in the chat and provide the client name, account number and which period it concerns. We'll follow up directly with Aritma.
When should you contact us?
Transactions are still missing after 06:00 the following business day
The consent is active, but transactions are still missing
You have disconnected and reconnected without it helping
You are using Aritma and transactions are missing
Please provide: client name, bank account and which period (date/month) it concerns.