Bank transactions in your system every morning - without importing files.
Every morning: log into online banking, export CAMT, import into the system. Miss it once and reports are wrong. The PSD2 directive allows the bank to send data on its own - you do nothing.
Manual CAMT import is a daily ritual - and every day is an opportunity for an error.
That is how long the daily ritual takes: log in to online banking, export the CAMT-053 file, import into the accounting system. Multiply by 250 working days. That is 62 hours per year spent on a task the bank can perform on its own.
Forget to import a single file and transaction matching falls a full day behind. Reports for management are wrong, reminders go out at the wrong time, and the liquidity projection shows incorrect data.
PSD2 (EU Directive 2015/2366) requires banks to give authorised third-party providers access to account data with the account holder's consent. GoCardless Bank Account Data API obtains that consent once, and from then on data flows automatically.
Three steps to a live bank transaction stream.
One-time setup through the GoCardless Bank Account Data portal. Authorise access to your bank account. Supported banks for Slovenia: NLB, SKB, Delavska hranilnica, UniCredit. Read-only - writing to the bank account is not possible and is not required.
The GoCardless API retrieves new transactions directly from the bank every night (or on demand). No CAMT file, no manual export, no email. Transactions arrive in your system by 6 a.m.
Each transaction is automatically compared against open items by amount, reference, and date. Unmatched transactions go to a review queue. Matched ones are closed automatically.
Security: We do not store bank data on our servers. The API call is routed from GoCardless directly into your system. Access is read-only - writing to the bank account is technically impossible via the PSD2 Bank Account Data API.
Before: manual import every day. After: live stream, no intervention needed.
One-time setup. Monthly subscription for a live stream.
Price includes GoCardless API integration, matching configuration and maintenance.
1 bank account, automatic nightly transaction import, matching against open items, supported systems: Minimax, Pantheon.
Up to 5 bank accounts, matching against open items, multi-bank (NLB, SKB, Delavska hranilnica, UniCredit), monthly report.
Multiple legal entities, multiple bank accounts, custom matching logic, integration with your own ERP system, SLA support.
Questions about PSD2 bank connection.
What is yours. What is not.
Your data is yours at all times. When you leave, you receive a complete export - no delays.