How to Connect

1. Go to the connections page

2. Click ”+ New Connection”

3. Select “UK & EU banks”

   

4. Select your country and search for your bank by name

   

5. [Optional] Toggle “Extended Transaction History” to get more historical data by requesting the maximum transaction history your bank allows. By default, we fetch the last 90 days.

6. Log in through your bank’s website (secure, we never see your password)

7. Authorize read-only access

8. Select which accounts to sync

9. You’ll be redirected back to Lunch Flow and your connection will be created. You can now configure your destination or connect more accounts.

The 90-Day Rule

Due to PSD2 regulations, UK/EU bank connections are valid for 90 days.

• Renewal: Head to the and click [Renew Access].

• Reminders: We will send you an email before your connection expires.

• Account Mapping: If the bank doesn't match perfectly during renewal, you can manually map the new connection to your old data to keep your history clean.

​FAQ

My bank isn't listed. Can you add it?

Email us with your bank name and country. It's also helpful to tell us if other apps already integrate with them.

Why are my savings, investments, or credit cards missing?

PSD2 laws mostly cover "payment accounts" (current accounts). Some banks choose not to share credit cards or savings through the API. Reach out if you're unsure—we can check if your specific institution supports these account types.

List of banks that don’t support credit cards:

• OP Gold and Platinum

How often does my bank data refresh?

Provider-Dependent Scheduling The frequency of updates depends primarily on your specific banking provider. Lunch Flow automatically refreshes your data as soon as it is made available by the provider, which typically occurs once every 24 hours. Once updated, we immediately push that data to destinations like Lunch Money and Google Sheets.

Important Note: The timing of your data refresh is determined by two factors:

• The Bank: Most institutions only "post" new transactions to their external interfaces once per day.

• The Provider: Different providers (like GoCardless, MX, or Finverse) have different schedules for fetching that data from the bank.

Can I refresh my data manually?

Manual Sync Limits While you can trigger a sync via the API, "real-time" updates such as every 10 minutes are not supported. Most banks do not update their records frequently enough to make constant refreshing useful.

GoCardless Specific Limits If your account uses GoCardless, there is a strict limit of 4 requests per day. Since Lunch Flow already refreshes your data automatically, manual refresh attempts may be blocked by the provider if this daily limit has already been reached.

Do you support Swiss banks?

🇨🇭 Switzerland has unique requirements. See our dedicated Swiss banks guide for details.

Do you support Amex in Norway?

Connectivity for American Express in Norway is currently unavailable because Amex has restricted their open banking APIs to the UK and France only.

🔒 Security & Privacy

All bank connections are read-only and encrypted. Lunch Flow never sees your login credentials and cannot move money.

👉 Learn more about our Security & Privacy — encryption, compliance, and data protection.

Next Steps

• Destinations Overview - Send your data to your desired destination.