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Connect your bank

Connect business accounts via Open Banking so transactions and balances land for reconciliation. Spar Nord is chosen as Nykredit.

Written by Nicki Elgaard

Connect your business accounts via Open Banking so transactions and balances land in Payfriend and can match documents and invoices. The connection is read access to statements — not a blank cheque to move money without your approval.

Danish business banks — including Danske Bank Business Online, Nordea Erhverv, Jyske Erhverv and Sydbank Erhverv, plus savings banks — can be connected. It is still called Open Banking.

Before you start

  • Access to online banking / MitID for the business account

  • Signed in to Payfriend with bank permission

  • Knowing which accounts to include (operating, savings, Revolut Business, etc.)

Steps

1. Open Bank

Go to Bank in the sidebar (or Settings → Connections).

2. Start the connection

Choose Connect bank. Payfriend sends you to a secure consent flow at the bank.

3. Choose your bank and approve

Find your bank, sign in with the bank’s own method (typically MitID), and approve access.

  • Spar Nord: choose Nykredit. Spar Nord connects via Nykredit.

  • Revolut Business has its own flow — see Revolut Business.

  • If you don’t see your business bank, message us. We’ll turn on the right Open Banking connection on the account.

4. Select accounts

Mark the accounts Payfriend may read. Confirm.

5. Wait for the first fetch

Transactions are pulled on an ongoing basis (several times a day). The first sync can take a moment. The balance appears once the feed is running.

6. Set reconciliation start (when moving in)

If you have history from before Payfriend, set a reconciliation start before the queue makes sense as unmatched work.

Check that it worked

  • Account(s) show under Bank with status Connected

  • Transactions and balance appear

  • (When moving in) Reconciliation start is set

Common issues

Symptom

Cause

Fix

Approval fails

Timeout / MitID interrupted

Retry; don’t close the window mid-flow

Spar Nord missing

It appears under Nykredit

Choose Nykredit

Business bank missing

The connection is not enabled on the account yet

Message us so we can turn on Open Banking for Business Online / Erhverv

Connection expired

Open Banking consent lasts about 180 days

Missing account

Not selected in consent

Add account / reconnect

Little history

Bank limit

Up to about 365 days; the bank may be stricter

Payment vs reading

  • Reconciliation: reads transactions and balance

  • Pay bills: starts a payment that always needs approval in your bank (SCA). Money does not move in the background without you.

Next steps

Didn’t find an answer? Message us via in-app chat, or use Contact. We reply on business days.

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