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Bank connections break occasionally. It’s usually fixable in under a minute, and your data stays put while a connection is down.

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Why connections disconnect

The cause depends on your provider:
  • Your bank password changed, so the stored authorization is no longer valid.
  • Your bank requires periodic re-confirmation of access for third-party apps.
  • European banks through GoCardless require re-authorization every ~90 days under open banking regulations.
  • Mercury uses OAuth tokens that can expire after a long period of inactivity.
  • Stripe connections break if the restricted API key is deleted, rotated, or loses its permissions.

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What happens to your data

Syncs pause while a connection is down. No new transactions or balances come in. Everything already synced to your destinations stays as-is, and once you reconnect, Finta backfills any transactions it missed. You’ll get an email when a connection needs attention. The Reconnect button also shows up on the affected card on the Accounts page.

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How to reconnect

Find your provider:

Plaid

US and Canadian banks — re-authenticate through Plaid Link

GoCardless

European and UK banks — re-authorize through your bank

Mercury

Mercury accounts — re-authorize through Mercury OAuth

Stripe

Stripe accounts — update your restricted API key

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If reconnection doesn’t work

  1. Check your bank directly. Log in and look for pending security alerts, password requirements, or account restrictions.
  2. Email us at hello@finta.io or find us on Discord.