Bank accounts

The bank accounts page is your central hub for managing all connected financial accounts. From here you can connect new banks, monitor sync status, and troubleshoot connection issues.

Accessing bank accounts

Navigate to Data Sources > Bank accounts in the sidebar.

What you see

Each connected account displays:

• Account name — The display name (editable).
• Account number — The IBAN or account identifier.
• Bank/Institution — Which bank the account belongs to.
• Currency — The account's currency.
• Connection status — Whether the connection is active and syncing.
• Last sync — When transactions were last imported.

Connecting a new bank account

1. Click Connect bank account.
2. Your bank connection provider is chosen for you: Exthand in Europe, Plaid in the United States and Canada.
3. Complete the authorization flow with your bank.
4. Choose which accounts to connect.
5. Transactions will start syncing within minutes.

Sync status and logs

Each bank account has a sync audit log showing:

• When each sync occurred.
• How many transactions were imported.
• Any errors or warnings during the sync.

Use this to diagnose issues like missing transactions or connection problems.

Bank balance check

Each sync also records the balance the bank reports for the account. When an account in your chart of accounts is linked to an active bank connection, its page (Accounting > Chart of Accounts, then the account) compares that balance with the account's ledger balance in the same currency. If the two differ by a cent or more, a Bank balance mismatch warning at the top of the page states both figures, the difference, and the date the bank balance was taken. View bank connection opens the connected account under Data Sources > Bank accounts.

The bank balance is a snapshot from the last sync, so movements that reached the bank since then explain a small, temporary difference. A difference that stays usually means the ledger is missing something:

• The account already had transactions (from statement imports, for instance) when you connected the bank. Financica then posts no opening balance, and the difference is what the account held before the first synced transaction. Book that opening balance yourself; see bank statement imports for how opening balances are posted.
• Transactions were imported twice, or a sync skipped some. The sync log for the account shows what each sync brought in.
• A transaction was booked to this account by hand, or moved to another account, without a matching bank movement.

Editing account details

Click an account to modify its display name or other metadata. The account number and bank details cannot be changed — these come from the bank connection.

Disconnecting an account

You can disconnect a bank account at any time. This stops future syncing but does not delete any transactions that have already been imported. Your existing data remains intact.

Re-authorization

Bank connections in Europe typically expire after 90 days due to PSD2 regulations. When this happens:

1. You will see a warning on the bank account page.
2. Click through the re-authorization flow.
3. Log in with your bank again.
4. Syncing resumes automatically.