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PSD2/XS2A via finAPI

Use a bank account with your own bank login

This page describes how several users in 365 business Banking use the same bank account with their own bank login when your bank issues personal credentials.

Applies to: PSD2/XS2A via finAPI

Use cases

Some banks issue personal online banking credentials: every person has their own login and TAN method; there is no shared company login. The access with which one person connected the account then belongs to that person. When another person carries out a payment, the bank requires their credentials and their TAN.

So that several people can use the same bank account, each person creates a personal bank access with Use With My Own Bank Login. How Business Central then determines which access reads and which pays is explained in Bank access.

Prerequisites

• The bank account is already connected via PSD2/XS2A (Connect via PSD2/XS2A).
• The person being added is signed in themselves and has their online banking credentials and TAN device at hand.

Step by step

1. Open the account's Bank Account Card.

2. Choose Actions > Banking Provider > Use With My Own Bank Login.

   

3. Your details (only the first time): check Email Address and Phone Number (both prefilled) and choose Next. If a personal bank access already exists, this step is skipped and the web form opens immediately.

4. Connect the bank account: the web form opens directly at this account's bank. Sign in with your credentials and confirm access.

5. Ready: Business Central shows which bank account will be taken over. Choose Finish.

What you see afterwards

• On the Personal Bank Accesses page, the person is shown with the status Connected, and Bank Accounts shows how many accounts they reach with their own access.

  

• On the bank account card, the Who Can Use This Account FactBox is shown. For the person, Can Pay is set, Reads Transactions usually not. The account continues to be read through the access it was connected with.

• When the person carries out a payment in the future, Business Central automatically uses their credentials.

The company bank access is not shown on the Personal Bank Accesses page; it has its own page under Banking setup.

Read transactions through another access

If another person is to deliver the transactions, for example because only they can reach the account at the bank, choose Read Transactions Through This Access for them in the Who Can Use This Account FactBox. This transfers reading from the previous access to this access. Transactions already imported can then arrive again, because finAPI assigns transaction IDs per account of an access, and the new access delivers other transaction IDs for the same transactions. Check the first retrievals after the change and delete lines with transactions that are already posted before you post the payment reconciliation journal. See Combine banking services.

Remove a person

1. Open Personal Bank Accesses (via Banking Setup).
2. Select the person's line and choose Disconnect. The same action is also available on their card.

The person's access at finAPI is released, and their bank account assignments are removed.

The bank accounts remain connected and continue to be read and paid through the company bank access. If you had explicitly set the reading source to this person, reset it before disconnecting.

Troubleshooting

Message	Cause and remedy
"The connected bank account is not …"	A different account was chosen in the web form. Connect the same bank account, at the same bank and in the same currency.
"… connected accounts carry the IBAN …"	The bank reported several accounts with the same IBAN. Contact your bank or connect only the account you want in the web form.
Assigned Bank Accounts shows Not connected yet	The person is assigned but never connected the account themselves in the web form. Until then, the company bank access applies.

See also

• Bank access
• Banking setup
• One bank access for several companies