UK & EU
Lunch Flow connects to 2,500+ institutions and investment platforms across Europe and the UK via GoCardless and Snaptrade.
Connecting a UK or EU bank
Navigate to the Connections page
Click + New Connection and select UK & EU banks
Choose your country and search for your bank, then optionally enable Extended Transaction History for more historical data
Authenticate through your bank's secure login portal
Grant read-only access authorisation
Select the accounts to synchronise
Key limitations
90-day connection validity: Due to PSD2 regulations, connections expire after 90 days and must be renewed. Lunch Flow sends expiration reminder emails in advance. See Renewing Connections.
Account coverage: PSD2 primarily covers payment accounts. Credit cards and savings accounts may be unavailable depending on your bank's policies. OP Gold and Platinum specifically restrict credit card access.
Manual sync limit: GoCardless accounts have a cap of 4 manual refresh requests per day.
Data refresh
Bank data typically refreshes once every 24 hours, depending on the institution's posting schedule and the provider's update frequency.
Notable restrictions
- Swiss banks require a separate connection - see Switzerland
- American Express in Norway is unavailable due to API restrictions
Security
All connections are read-only and encrypted. Lunch Flow never sees your login credentials and cannot move money.
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