Open Banking lets us read your business bank transaction data securely without you uploading statements manually. If the connection did not work, it is usually straightforward to fix.
My bank is not in the list
We support the main UK business banks via Open Banking. If your bank is not listed, or the connection option does not appear, you can complete your application by uploading your last six months of bank statements as PDFs instead. The upload option appears on the same screen. This does not disadvantage your application — both routes are equally valid.
The connection timed out or threw an error
- Retry immediately — transient bank-side errors resolve within seconds. Go back one step in the application and choose your bank again.
- Check your bank's own app or website — occasionally your bank's Open Banking gateway has a service interruption. If your bank's online banking is also showing errors, wait 15–30 minutes and try again.
- Try a different browser or disable extensions — privacy extensions, tracker blockers, and VPNs can interrupt the consent redirect. Try in an incognito window with extensions disabled.
- Use statement upload instead — if the problem persists, choose the manual upload option and submit your last six months' business bank statements as PDFs. Your application will continue normally.
I approved the connection but my data did not come through
If you completed the consent flow at your bank but the application did not advance, the data transfer may have stalled. Close and reopen your application (your progress is saved), check that the bank connection shows as confirmed, and if it does not, re-initiate the connection from the bank data step.
I do not want to use Open Banking
Open Banking is not compulsory. At the bank data step, choose Upload statements and provide your last six months of business bank statements as PDFs. Your Open Banking consent is never stored beyond your application; there is nothing to revoke after you have applied.
See also: How Open Banking works in your Credicorp application, What happens if I cannot connect my bank, My Open Banking balance shown in the portal differs from my bank balance.