Vault connects to banks in Europe through Enable Banking, a licensed open banking provider. This article walks you through adding a European bank step by step and explains what happens after it's connected. For how bank connections work in general, see Connecting a bank account.

You sign in on your bank's own page, never in Vault. Vault doesn't see or store your banking password. Your bank asks you to confirm which accounts Vault may read, and for how long.

Access is read-only. Vault can see your accounts, balances and transactions. It can't make payments or move money.

One connection is one bank. A single connection can include several accounts at that bank, and it uses one bank-connection slot in your plan no matter how many accounts it includes.

Bank connections are available on paid plans. New workspaces get a 14-day Pro trial with no card required, so you can try them straight away.

You'll also need:

The new accounts appear on your dashboard straight away. The card shows Importing transactions while history loads, then a green dot once it's synced. In our tests a first import of a few hundred transactions took under a minute.

What you may see in the account list:

Changed your mind halfway? Use Start again or the back button in the dialog rather than closing the window. That ends the bank session right away; closing the window leaves it open at the bank for up to 24 hours.

The list shows the banks Enable Banking supports for Vault. If you can't find yours, write to us in the chat or at [email protected].

Vault asks the bank for history back to the start date you chose. Some banks give less than that. In that case the card says The bank limited the available history, and earlier transactions may be missing. You can add them manually if you need them.

Vault checks the bank about every 6 hours, so new transactions usually appear within a few hours.

To check sooner, open the account menu and choose Retry sync. You'll see Sync queued. A manual sync restarts the 6-hour timer, so the next automatic check comes 6 hours after it.

If the bank temporarily limits requests, Vault waits and tries again later. Nothing needs to be done on your side.

Card payments that haven't settled yet are imported as Pending. They're shown tinted and are counted in your totals. When the bank books the payment, the same transaction updates in place, with no duplicate. If the bank cancels or rejects it, it disappears.

Vault shows the date of each transaction, without the time of day. It uses the transaction date when the bank provides it, and otherwise the value date.

Some banks, such as Erste, don't send a transaction date. For them a card payment made late in the evening can show the next day's date, the day the bank processed it.

Vault shows the booked balance your bank reports.

If the card shows — instead of a balance, the bank hasn't provided a confirmed balance yet. Transactions are still imported. Your total balance then reads Incomplete total and lists the accounts it leaves out.

Occasionally a bank sends entries Vault can't import with certainty, for example when it reuses one reference for different payments. The card then shows a red dot: Some bank entries could not be imported reliably and need review. Everything else is imported as usual.

Your choice is remembered, so the same entries won't come back for review.

Banks grant access for a limited time, often 90 or 180 days, after which you confirm it again. Vault doesn't warn you in advance yet.

When access ends, the card shows a red dot and Reconnect needed. Your history stays in Vault. To restore the connection:

Your existing accounts are matched automatically and keep their history, categories and notes. Transactions you missed while disconnected are filled in. You'll see Access restored for N accounts.

All of these are in the account card's menu.

Need a free slot without losing anything? Use Disconnect connection. It's fully reversible.

In every case your history stays in Vault.

You can connect the same bank account in different workspaces. Each one has its own bank authorization, so disconnecting it in one workspace doesn't affect the other. Within one workspace, an account can only be connected once.

Still stuck? Write to us in the chat or at [email protected].