How do I renew my bank connection?

When you connect a bank, your bank asks you to approve read-only access to your accounts. European open banking rules (PSD2) require that approval, called a consent, to expire after a while — for most banks after 90 or 180 days, depending on the bank. When it expires, syncing stops until you renew it. This is normal and takes about a minute.

How to renew

1. Open the Account tab. A connection that needs renewal shows a Reconnect prompt; you can also find it on the account’s details page.
2. Tap Reconnect. You’ll be taken to your bank to approve access again, the same way you did when you first connected.
3. When you return to Bilance, syncing resumes and catches up automatically.

Nothing is lost while a consent is expired: your transaction history, categories, budgets, and recurring payments stay exactly as they were. Renewing simply lets new transactions flow again.

Good to know

• Don’t delete the connection. There is no need to remove and re-add the bank — always use Reconnect on the existing connection.
• Renew all accounts of one bank together. Some banks allow only one active consent per person, so if you have several accounts at the same bank, reconnect them in the same go.
• The renewal happens at your bank, not in Bilance. If the bank’s approval page fails, our troubleshooting guide covers the common causes.

Why banks require this

Under PSD2, access granted to any third-party service is time-limited, and only you can extend it — Bilance cannot renew a consent for you. The same rule applies to every finance app in Europe. Bilance’s access stays read-only throughout: we can see transactions and balances, and can never move money.