When a bank connection stops working
Connections expire by design, not by accident. Here is what each warning means and the shortest path back to syncing.
Why connections stop
Open banking consent is time-limited by regulation: typically 90 days in the UK and up to 180 in much of Europe, depending on your bank. When consent runs out, or a bank revokes access, the connection stops syncing and Endute starts telling you, with a red indicator on Manage Connections in the sidebar, an amber warning under the account balance, an in-app message, and a push notification. Your data never disappears when a connection fails; only the flow of new transactions pauses.
The four warnings, and which button fixes each
| Warning | What it means | The fix |
|---|---|---|
| Connection expired | The consent period ended. | Reconnect on the Manage Connections page (a short trip through your bank’s login). |
| Connection suspended | Access was revoked, or a periodic confirmation was missed. | Confirm continued access if offered (one tap, no bank login), otherwise Reconnect. |
| Connection error | The connection is in a state that cannot be repaired in place. | Cut Connection, then connect the bank again. There is deliberately no Reconnect button for this state. |
| Bank data stale | No balance update from the bank for 7 days; the balance shown is calculated from your transactions. | Usually resolves itself at the next successful sync. If it persists for days, check the connection on Manage Connections. |
Renewal is lighter than it used to be
Full reconnection means visiting your bank's login again, but two quicker paths exist and Endute offers them whenever your bank allows. Confirm consent appears on UK connections approaching expiry: one redirect, no bank login, consent renewed. Confirm continued access is lighter still, a single in-app confirmation that satisfies a periodic 90-day check some connections require; it keeps syncing going, while the consent itself still runs to its original end date and renews through the other paths. When a connection is within a few days of expiring you will also see it flagged as Expiring Soon, so renewal can happen before anything actually breaks.
What Cut Connection really does
Cut Connection removes the account mappings, attempts to revoke access at the bank, and stops all future syncing for that connection. What it does not do is touch your ledger. Your Endute accounts and every transaction already in them survive and simply revert to manual, exactly as if the bank had never been connected. Two things do go with the connection: anything still sitting unreviewed in the queue from it, and captured history you had not yet imported. Finish the reviews you care about before cutting. De-linking a single mapping is gentler still: the link is removed, nothing is deleted.
Resist the cut-and-reconnect reflex
Two edge cases worth knowing
A connection stuck at Authorization incomplete means the journey at the bank was never finished; cut it and connect again. And if we can no longer refresh a connection because the underlying route to that bank changed, Endute says so explicitly and asks you to remove and re-add the bank; your accounts and history are preserved throughout, as always.
Still stuck?
If a connection fails repeatedly, or a warning does not match what the buttons offer, contact support and tell us the bank and roughly when it stopped. Connection plumbing is where we do some of our most careful debugging, and a report with a bank name attached is usually solved same-day.