Connect your bank via PSD2
A PSD2 connection lets Spendle update transactions and balance with a single click. The connection is provided by GoCardless, an Account Information Service Provider (AISP) registered with DNB.
How it works
Section titled “How it works”-
Open the Import tab and click Add bank.
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Choose PSD2 connection.
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Select your country and bank from the list.
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Choose the transaction period you want to synchronise. The maximum number of days is determined by your bank.
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Accept GoCardless’s terms and log in at your bank. After giving consent, transactions and balance are loaded into Spendle.
Validity period
Section titled “Validity period”- Connections made during the trial period expire at the end of the current month. After purchase you may therefore need to reconnect on the first day of the following month.
- Connections made with a purchased licence expire after approximately 180 days.
- You can revoke access at any time via your bank.
Updating transactions
Section titled “Updating transactions”A PSD2 connection does not update on its own. In the Import tab, click Update to fetch the latest transactions and balance from your bank. Optionally, this can happen automatically when Spendle opens — enable Sync PSD2 on open via Sync options.
Which period does Spendle fetch?
Section titled “Which period does Spendle fetch?”In the details of a connection you choose the period in Synchronise:
- Last transaction (default). Spendle looks up the last transaction of the account and fetches the transactions from 5 days before it. Banks sometimes process a transaction later, with an earlier date. This way Spendle does not miss that transaction.
- This year, Maximum period or Set period.
So when updating, Spendle always looks back a few days. Transactions that are already in your administration are skipped.
Accounts within a connection
Section titled “Accounts within a connection”Click an existing connection in the Import tab to choose which accounts Spendle should synchronise. Accounts you exclude are no longer updated. In this screen you can also enter a longer start date once, to synchronise further back.
Removing a connection
Section titled “Removing a connection”Remove a connection via the bin icon to the right of the connection in the Import tab.
Connection lost
Section titled “Connection lost”A PSD2 connection belongs to your Spendle account and to the administration in which it was created. If the administration loses the details of the connection, the connection stays on your account. The administration can then no longer update it. Such a connection still counts towards the number of connections on your account.
A common cause is restoring a backup that is older than the connection — see Backup and restore.
When you open the Import tab, Spendle compares the connections on your account with those in the administration. A connection that only exists on your account appears in the list with the bank name and the label Connection lost. Click the row for a short explanation. The bin icon removes the connection from your account; the bank access is ended automatically afterwards. You can then connect the bank again via Add bank.
Monthly limit on new connections
Section titled “Monthly limit on new connections”GoCardless charges per connection per month. To limit those costs, the number of new connections per month is capped. The cap is your account maximum plus 2.
When you reach this limit, you see the message “Maximum number of new PSD2 connections for this month reached”. In that case, wait until the next month to create a new connection.
Number of connections
Section titled “Number of connections”A Spendle annual licence includes 2 PSD2 connections. Additional connections can be purchased in the web app; the current price is listed on spendle.eu. When your licence renews, the number of connections resets to two; additional connections must be purchased again. See Extra PSD2 connections.