When you connect a bank account, Vault reads your account details, balances and transaction history. That is all it does.

Vault cannot move money. It cannot initiate payments, transfer funds, or change anything in your bank account. The access is read-only and there is no way to make it otherwise.

You also never give Vault your online banking password. You authorise the connection with your bank directly, through a licensed open banking provider.

Bank connections require a paid plan. On the Free plan you can still add accounts and enter transactions manually, but you cannot connect a bank.

One connection can cover several accounts. If your bank issues you three cards under one login, that is one connection, not three.

The first import brings in your transaction history. How far back it goes depends on your bank — some hold two years, some only a few months. Depending on the volume, the first import can take a few minutes.

Vault refreshes connected accounts several times a day. It is not instant: a purchase you make now will usually appear within a few hours.

If a balance looks stale, check the status on the account card before assuming something is broken.

Card payments often arrive as pending before your bank finalises them. Vault shows them straight away, marked as pending.

Two things to expect:

If you move money between two accounts you have connected, your bank reports it twice: as money leaving one account and arriving in the other.

Vault does not pair them automatically. Until you do, reports will count the outgoing side as an expense.

To fix it, select both transactions and merge them into a transfer.

With most banks, the permission you grant is tied to you, not to the workspace. Connecting the same account in a second workspace can end the connection in the first one.

This matters if you and your accountant each keep your own workspace. If the first workspace stops updating shortly after the second is connected, this is why — reconnect it there to restore access, which will in turn end the second.

If you need the same accounts visible to more than one person, invite them to your workspace instead of connecting separately.

Coverage depends on which banks support open banking in your country and which of them our provider has connected. The list changes as more become available.

Tell us which bank you need. Open the chat from the bottom right corner of this page and say which bank and which country. We look at every request, and what people ask for is what decides which banks we add next — a bank nobody mentions is a bank we have no reason to prioritise.

If it turns out your bank cannot be connected at all, we will tell you that plainly rather than leave you waiting. You can also write to [email protected] if you prefer email.

In the meantime you can create the account manually and enter transactions yourself — nothing is lost, and if the bank becomes available later you can connect it then.

Under open banking rules, the permission you give your bank lasts for a limited period. When it runs out, data stops refreshing until you renew it.

This is not a fault. Every service that reads bank data works this way, and the limit is set by regulation rather than by us.

You will see the account marked as needing reconnection. Renewing takes the same few steps as the original connection, and nothing already imported is affected.

You can pause an account you do not want to watch for a while.

What pausing hides is new activity, not the account. Everything already in your workspace stays where it is — in the transaction list, in reports, in your figures. Transactions that arrive after you pause keep importing but stay hidden, and the balance holds where it was.

When you resume, everything that arrived in between appears at once.

Other accounts at the same bank are unaffected. Pause one of three and the other two keep updating normally. You can pause all of them if you want to — the connection stays live, and each account resumes on its own.

Pausing does not free up a connection slot. A bank connection counts against your plan whether one account is paused or all of them.

If you need to free a slot — to move to a smaller plan, for instance — the only ways are converting the accounts to manual or deleting them, and both are permanent. There is no reversible way to set a connection aside.

Converting an account to manual keeps everything already imported and stops the connection feeding it. From then on you maintain it yourself, as if you had created it by hand.

This cannot be undone. To get automatic updates back you would connect the bank again as a new connection.

If the account was paused, transactions from the pause period are deleted rather than revealed — they were never shown, and converting is how you say you do not want them.

These are different, and the difference matters.

Disconnecting stops new data coming in and keeps everything already imported, as manual accounts. Your history, categories and notes stay.

Deleting an account removes it along with its transactions. This cannot be undone.

If you are freeing up a connection to fit a smaller plan, note that both options are permanent — there is no way to set a connection aside temporarily and restore it later.

If a payment fails or you cancel, automatic updates stop. Nothing you already have is lost — your accounts, transaction history, categories and notes all stay exactly as they were.

When you are back on a paid plan, reconnect the account. Vault picks up from the date updates stopped and fills in everything that happened while you were away, so the gap closes by itself.

Anything imported before the lapse is untouched by this. You are not re-importing your history, only the missing stretch.