> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vis42.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Banking

> Connect your bank accounts for automatic transaction sync, reconciliation, and AI-powered cash flow insights.

Connect your business bank accounts to VIS42 through our banking integration, powered by Salt Edge. VIS42 reads your transactions daily, matches them against your receivables and payables, and makes the data available to your AI agents — so you can ask about balances, reconcile accounts, and stay on top of your cash position without manual exports.

## Supported banks

VIS42 connects to **2,367+ banks across 38+ countries** through Salt Edge's open banking network. See the full list at [vis42.com/banks](https://vis42.com/banks).

## What your agents can do

Once a bank account is connected, VIS42 agents can:

* **Query your balance and recent transactions** — ask Mercury about incoming payments or your current cash position
* **Reconcile transactions automatically** — VIS42 matches bank transactions against open invoices and bills as they arrive
* **Highlight unmatched items** — agents flag transactions that don't correspond to a known receivable or payable so you can review them

## Connect a bank account

<Steps>
  <Step title="Go to bank accounts">
    In VIS42, go to **Settings** → **Bank accounts** and click **Connect a bank account**.
  </Step>

  <Step title="Select your bank">
    Choose your country and bank from the list. If your bank isn't shown, search by name or check [vis42.com/banks](https://vis42.com/banks).
  </Step>

  <Step title="Authorize via your bank">
    You'll be redirected to Salt Edge's secure widget, which opens your bank's authentication page. Follow your bank's login steps — username, password, two-factor authentication, or equivalent.
  </Step>

  <Step title="Confirm account access">
    After authenticating, your bank accounts appear in VIS42. Review them and confirm to link them.
  </Step>
</Steps>

Once linked, VIS42 begins syncing transactions immediately. Ongoing syncs run daily.

## Consent and re-authorization

<Warning>
  Bank connections expire after **90 days**. When a connection expires, transaction sync stops and your agents lose access to that account's data. You'll need to reconnect to restore access.
</Warning>

VIS42 will notify you before your connection expires so you can re-authorize in time. To reconnect, go to **Settings** → **Bank accounts**, find the expired account, and click **Reconnect** — the process is the same as the initial connect flow.

## What data is stored

VIS42 stores the following for each connected account:

| Data                | Details                              |
| ------------------- | ------------------------------------ |
| Account details     | Account number, IBAN, currency       |
| Transactions        | Date, amount, description, reference |
| Connection metadata | Bank name, account type, last synced |

VIS42 does **not** store your bank login credentials. Authentication is handled entirely by Salt Edge and your bank.

## Reconciliation

When a transaction arrives, VIS42 attempts to match it against open receivables (for incoming payments) or payables (for outgoing payments). A successful match is recorded automatically — you can review or override it on the relevant invoice or bill.

Unmatched transactions appear in your transaction list and can be matched manually or left as-is for review.

## Privacy and compliance

* VIS42 connects via Salt Edge using **PSD2-compliant open banking** APIs — your bank credentials are never shared with VIS42.
* Access is **read-only**: VIS42 can read account information and transactions but cannot initiate payments or transfers.
* Connection tokens are encrypted at rest.
* VIS42 is not a payment service provider and does not hold or move funds.

## Disconnect a bank account

To remove a bank connection, go to **Settings** → **Bank accounts**, find the account, and click **Disconnect**. The connection is revoked in VIS42 and the account is disabled. Historical transaction data is retained for your records.

## Troubleshooting

<AccordionGroup>
  <Accordion title="My bank isn't in the list">
    Check [vis42.com/banks](https://vis42.com/banks) for the full list of supported institutions. If yours isn't listed, contact [support@vis42.com](mailto:support@vis42.com) — we're continuously expanding coverage.
  </Accordion>

  <Accordion title="Authentication failed during connect">
    Make sure you're using the credentials for your online banking portal (not your VIS42 account). If your bank uses a hardware token or one-time passcode, have it ready before starting.
  </Accordion>

  <Accordion title="Transactions aren't appearing">
    The first sync runs shortly after connecting. If transactions are still missing after 30 minutes, check that the connection shows **Active** in **Settings** → **Bank accounts**. An expired or revoked connection will not sync.
  </Accordion>

  <Accordion title="My connection shows as expired">
    Bank connections last 90 days. Go to **Settings** → **Bank accounts**, find the expired account, and click **Reconnect** to re-authorize with your bank.
  </Accordion>

  <Accordion title="I see duplicate transactions">
    VIS42 deduplicates transactions by account and reference. If duplicates appear, contact [support@vis42.com](mailto:support@vis42.com) with the account name and transaction dates.
  </Accordion>
</AccordionGroup>