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Connecting your bank accounts

Written by Jack Cahalane

Connecting your bank accounts

Connect your existing bank accounts to Seapoint using Open Banking — bringing all your financial data into one place and enabling you to trigger payments directly from Seapoint.

What is Open Banking?

How does Open Banking work with Seapoint?

Seapoint uses Open Banking APIs, powered by our partner Yapily, to connect to your existing bank accounts. This lets you do two things:

  • View your banking data in Seapoint — account balances and transactions from your connected accounts appear alongside your Seapoint accounts, giving you a single view of your finances

  • Trigger payments from Seapoint — using the same Open Banking connection, you can initiate payments directly from your connected external accounts without leaving Seapoint

💡 Open Banking is a secure, regulated way to share financial data. Seapoint never stores your banking credentials — authorisation is handled directly between you and your bank.

Who is Yapily?

Yapily is Seapoint's Open Banking provider. They are a regulated third-party provider authorised by the FCA, and they handle the secure connection between Seapoint and your bank. When you connect a bank account, you'll be redirected to your bank's own authentication flow via Yapily — your login credentials go directly to your bank and are never seen or stored by Seapoint.

Connecting a bank account

How do I connect a bank account?

  1. Navigate to Accounts in the left sidebar of your Seapoint dashboard.

  2. Click the + Add account button in the top-right corner.

  3. You'll see a list of the most common UK and European banks. Select your bank from the list, or type its name in the search bar to find it.

  4. Click Connect and you'll be redirected to your bank's secure authorisation page.

  5. Log in to your bank and approve the connection when prompted.

  6. Once authorised, you'll be returned to Seapoint and your account will appear in your Accounts list.

💡 You can connect as many bank accounts as you like — there's no limit.

Which banks are supported?

Seapoint supports the majority of major UK and European banks. When adding an account, the most common banks are shown by default. If you don't see yours, use the search bar to find it by name.

If your bank doesn't appear in search results, it may not currently support Open Banking. Contact us at help@seapoint.co and we'll let you know if support is coming.

Managing connected accounts

Can I rename a connected account?

Yes — you can give any connected account a custom name to make it easier to identify within Seapoint.

  1. From the Accounts page, click on the connected account you want to rename.

  2. Click the Edit icon next to the account name.

  3. Enter your preferred name and click Save.

The new name will appear across Seapoint wherever that account is referenced.

Can I disconnect a bank account?

Yes — you can remove a connected account at any time.

  1. Navigate to Accounts in the left sidebar.

  2. Click on the connected account you want to remove.

  3. Click Disconnect account and confirm.

Disconnecting will remove the account and its data from your Seapoint view. It will not affect your account at your bank in any way.

Re-authenticating your accounts

How long does my bank connection last?

Open Banking authorisations are time-limited by regulation:

Region

Authorisation period

🇬🇧 UK

90 days

🇪🇺 Europe

180 days

Once the authorisation period expires, your bank connection will lapse and you'll need to re-authenticate to restore access.

How will I know when I need to re-authenticate?

Seapoint will notify you ahead of your authorisation expiring through two channels:

  • Email — you'll receive a reminder email prompting you to reconnect your account

  • In the app — a notification will appear next to the affected account on your Accounts page, and also on your Home dashboard

Simply click the notification to be taken through the re-authentication flow, which follows the same steps as the initial connection.

How do I re-authenticate a connected account?

  1. Click the re-authentication prompt next to the account on your Accounts page or Home dashboard.

  2. You'll be redirected to your bank's secure authorisation page via Yapily.

  3. Log in and approve the connection again.

  4. Once authorised, your account will reconnect and resume syncing automatically.

FAQs

Is it safe to connect my bank account?

Yes. Seapoint uses Yapily, a regulated Open Banking provider authorised by the FCA, to handle all bank connections. Your bank login credentials are entered directly on your bank's own website and are never seen or stored by Seapoint or Yapily. The connection uses read-only access for data and requires your explicit approval for any payment initiation.

Can Seapoint move money from my connected accounts without my permission?

No. Any payment initiated from a connected external account requires your explicit authorisation at the time of the transaction. Seapoint cannot move money from your bank accounts without you actively approving it.

Will connecting a bank account affecy my bank in any way?

No — connecting your bank account to Seapoint is read-only by default and has no impact on how your bank account works. Your bank will show the connection in your authorised apps or third-party access settings, which you can revoke from your bank's side at any time as well.

How many bank accounts can I connect?

There's no limit — you can connect as many accounts as you like, across multiple banks and currencies.

Still have questions?

Contact our support team at help@seapoint.co or message us on Slack — we're here to help.

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