Managing your open banking consents (UK and Europe)

How PSD2 and UK Open Banking consents work in BankSync: tracking expiry dates, renewing before they lapse, and revoking access.

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On this page

Where to see a consent's status
Renewing before expiry
What happens when a consent lapses
Revoking access
Related guides

UK and European bank connections run on time-limited open banking consents: up to 180 days for most EEA banks under PSD2, and typically a 90-day reconfirmation cycle for UK banks. This guide explains how BankSync tracks those consents, how renewal works, and how to revoke access.

The same Salt Edge consent flow underpins UK and European renewal.

What a consent covers

A consent is your authorisation for Salt Edge (a licensed AISP) to read specific data from a specific bank on BankSync's behalf: account details, balances, and transactions for the accounts you approved. It is read-only, and it cannot be used to move money.

Where to see a consent's status#

Open any UK or European bank from the Banks page. The bank's detail view shows:

Consent expiry date: when the current consent lapses.
Renewal prompt: during the final week before expiry, an amber "consent expires in N days" card appears with a "Renew now" button.
Requires re-authentication: shown after a consent has expired or been revoked, alongside a Reconnect button.

Renewing before expiry#

Renewal is a fresh authorisation with your bank and takes about a minute.

Renew a consent

Open the bank
From the Banks page, open the UK or European bank showing the renewal prompt.
Click Renew now
BankSync shows the disclosure of what will be accessed, then opens your bank's consent page.
Approve at your bank
Sign in and complete your bank's verification (SCA in the EEA, app approval or similar in the UK). Re-select the accounts you want to keep sharing.
Done
The new consent replaces the old one and the expiry date updates. Your synced history and feeds are untouched.

Re-select every account you still want

Renewal is a re-consent at the bank. Accounts you leave unticked drop out of the new consent and stop syncing, even if they were shared before.

If a consent expires without renewal:

The bank's card shows "Requires re-authentication".
Scheduled syncs for that bank stop returning new data (already-synced data is untouched).
Reconnecting issues a fresh consent and syncs resume from where they left off.

Revoking access#

You can end data sharing at any time, from either side:

In BankSync: disconnect the bank from its detail view. BankSync revokes the consent with the bank through Salt Edge as part of the disconnect.
At your bank: most banks list active data-sharing permissions in their online banking (often under "Open Banking", "Data sharing", or "Third-party access") and let you revoke there. BankSync detects the revocation and marks the connection as requiring re-authentication.

Data already synced to your destinations

Revoking a consent stops future access. Data already delivered to your spreadsheet, database, or other destinations stays there under your control; delete it from the destination if you no longer want it.