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What Is Open Banking?

What is Open Banking and why do I need it?

Updated over 2 years ago

What is it?

What it means for your business

How to get started

Widely known as "Open Banking", this method allows you to connect external bank accounts to your Coconut account.

It's a secure way to allow providers access to your read-only financial information and data.

This allows you to oversee all business transactions in one place to make your finance & accounting much simpler. Don't forget, you're in control of which accounts are added and you can remove the connection at any point.

Head into your Coconut app.

More tab > Bank Connections

Follow the prompts to connect your accounts

  • You'll never be asked to share your passwords.

  • All data is read-only.

  • It's all in your control; it is easy for you to withdraw your consent & disconnect your account at any time.

  • You're protected; Apps and websites enrolled on the Open Banking Directory are regulated by the Financial Conduct Authority (FCA) or European equivalent. It means there are strict rules about how they operate and keep your data secure.

How long will it take to set up my connection(s)?

This should take no more than a couple of minutes to successfully connect your external bank account. You may need to allow the app up to 15 minutes to pull all of the transactions and data into your view.

What can I do once I've connected my account(s)?

  • View your transactions

  • Oversee your spending insights

  • Edit transaction categories, notes, and photos

  • Attach receipts for accounting purposes

  • Share your data with your accountant

  • Export your statements

How frequently will the connection refresh?

We will refresh your transactions every time you log into the app. You can refresh your open banking connection to manually refresh the screen.


Please note that there can be delays retrieving the latest transactions from your bank account. However, this will take under a minute most of the time.

How far back will my transactions go?

This is entirely dependant on the bank, but we can pull anywhere up to 24- months' worth of data when initially connecting your account. Typically most accounts will be able to pull through 24 months worth of data whereas credit cards tend to be limited to 3/6 months.


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