Banking (PSD2)
The PSD2 integration automatically imports your bank's transactions into PLANA Business Cloud. No more downloading CSVs and uploading them — transactions land in PLANA within minutes of being posted by the bank.
Supported banks
All major Bulgarian banks, plus a mock adapter for testing:
| Bank | Adapter |
|---|---|
| Revolut | ✓ |
| UniCredit Bulbank | ✓ |
| UBB | ✓ |
| DSK Bank | ✓ |
| Postbank | ✓ |
| Raiffeisenbank | ✓ |
| FIBank | ✓ |
| CCB | ✓ |
| BACB | ✓ |
| Mock | ✓ (for testing) |
If your bank isn't on the list, talk to your account manager — adding a new adapter is ~2–5 engineer-days.
How it works
- You give PLANA consent via your bank's PSD2 strong customer authentication (SCA) flow
- PLANA polls the bank's PSD2 endpoint every hour for new transactions
- New transactions appear in PLANA's bank journal
- PLANA suggests reconciliation matches (see Bank reconciliation)
- Consent renews per the bank's policy (typically every 90 days)
Connecting
The connection lives in BOS → Banking for a cleaner UI; or open Accounting in PLANA Business Cloud:
Accounting → Banks → click your bank journal → Connect via PSD2:
- Pick the bank
- Click Authorize
- The bank's PSD2 consent page opens in a new tab
- Complete the bank's SCA (online banking sign-in + 2FA)
- Approve the read-access scope
- The bank redirects back to PLANA
- Accounts appear within seconds; transactions populate in the background
What's imported
| Field | What |
|---|---|
| Date | Transaction date |
| Amount | Signed (positive = inbound, negative = outbound) |
| Currency | Native bank currency |
| Memo | Free-text description from the bank |
| Counterparty | Customer / vendor name where available |
| Reference | The bank's reference number |
PLANA matches counterparties to your customer / vendor records by name when possible.
What's NOT imported
- Card-level transactions — the bank reports them aggregated; for per-card detail use Payhawk
- Account holder PII beyond what the bank shares — bank's policy
- Historical transactions before consent date — PSD2 typically exposes only the last 90 days
Consent renewal
Most consents last 90 days. Before expiry:
- PLANA shows a yellow warning in the bank journal
- 3 days before expiry, an activity is auto-scheduled on the workspace owner
- 7 days before expiry, an in-app alert fires
Renewal is a 30-second SCA flow — same as initial consent.
Multi-account
A single PSD2 consent often covers all accounts at the same bank. After consent, PLANA shows every account; you choose which ones to sync to which PLANA bank journals.
Where to read more
- Bank reconciliation
- BOS → Banking — same data, BOS view
- Workflows → Reconcile the bank
- Platform → pulse-banking — technical detail