## Documentation Index

Access the complete documentation index at:
https://www.zoho.com/en-fr/books/help/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Bank Feeds

Once you add an account from the list of banks available, you will receive bank feeds to your Zoho Books account by default. The bank feeds are fetched every 24 hours into your account automatically for the banks that don’t require multi-factor authentication (MFA).

**Warning:** Bank feed availability is subject to the respective bank or service provider’s connectivity.

Some banks adopt multi-factor authentication for security purposes. If your bank adopts multi-factor authentication, you will have to refresh the feeds manually.

**Notes:** Unless the authentication is cleared the bank will not allow Zoho Books to fetch the feeds automatically.

**Notes:** You can setup bank & credit card feeds via the third party provider only in the paid plans of Zoho Books. Visit our [pricing page](https://www.zoho.com/books/pricing/) to know which features are included in your plan.

To identify if the bank feed in your account has been activated or not, just check on the bank feed icon present next to the account name.

![Banking](/books/help/images/banking/banking-bankfeeds.png)

* * *

## Update Credentials

Login credentials of your bank account are necessary for the bank feeds to be fetched into your account. Some cases where it will be necessary to update your credentials,

*   You have changed your login credentials.
*   Requested for a new password from your bank.

To update credentials:

*   Click the **Gear** icon on the top-right corner.
*   Click **Update Credentials**.

![Banking](/books/help/images/banking/update-credentials.png)

**Notes:** When bank feeds are fetched, either automatically or manually, they will be fetched the previous day. If you fetch your bank feeds today, you will be able to see the transactions that happened yesterday.

**Note:** Automatic bank feeds are available only for certain plans of Zoho Books. Visit the [pricing page](https://www.zoho.com/books/pricing/) to check if it’s available in your current plan.

* * *

## Refresh Bank Feeds

If your bank feeds are not fetched automatically, it could be due to a temporary glitch. You can refresh the bank feeds manually. However, manual refresh is limited to once a day. To refresh bank feeds manually:

*   Go to **Banking** module in the left sidebar.
*   Select your bank account.
*   Click the **Gear** icon from the bank account.
*   Select **Refresh Feeds** from the drop down.

![Banking](/books/help/images/banking/banking-refreshfeeds.png)

* * *

## Deactivate Bank Feeds

You can deactivate bank feeds if you do not want it to be fetched from your bank.

*   Go to the **Banking** module and select the account you wish deactivate feeds for.
*   Click the **Gear** icon.
*   Select **Deactivate Feeds** to deactivate feeds from your bank.

![Banking](/books/help/images/banking/deactivate-bankfeeds.png)

* * *

## Reconfigure Bank Feeds

Open banking allows third-party financial service providers to fetch bank feeds for 90 days. So, users should reconfigure their connection with the bank every 90 days. Here’s how:

*   Go to **Banking** on the left sidebar.
*   Select the bank account that you want to reconfigure.
*   Click the _Gear_ icon in the top right corner of the page and select **Deactivate Feeds** from the dropdown.

![Banking](/books/help/images/banking/deactivate-bank-feeds.png)

*   Now click the _Gear_ icon again and select **Activate Feeds** or **Automatic import** from the dropdown.
*   If you select _Activate Feeds_, in the next page, hover over the bank accounts and click the **Delete icon** displayed on top of all the accounts in the new page.

![Banking](/books/help/images/banking/activate-feeds.png)

*   Click **Yes** in the pop-up that appears.
*   If you select _Automatic import_, in the next page, search for your bank and select it from the dropdown.

![Banking](/books/help/images/banking/auto-import.png)

**Notes:** If you have connected another account of the same bank, click **configure a new account** at the bottom of the page.

*   Read and agree to Token’s end user terms of service and click **Connect Now**.

![Banking](/books/help/images/banking/token-enduserterms.png)

*   In the next screen, click **Accept** to give Token consent to fetch your accounts, balances, and transaction history.

![Banking](/books/help/images/banking/token-consent.png)

*   Enter your Bank **User Name** and **Password** and click **Login**.

![Banking](/books/help/images/banking/account-credentials-reconfigure.png)

*   If you have enabled two-factor authentication for your bank account, enter the verification code sent to your mobile number registered with the bank.
*   Select the accounts whose bank feeds you would like to receive in Zoho Books and click **Confirm** on the bank website.
*   In the next page, check the account that you selected previously under _Select your accounts_ in the previous page.
*   In the **Download transaction history from** field, enter the date from which you would like to download the transaction history of your bank account and click **Continue**.

![Banking](/books/help/images/banking/add-account-reconfigure.png)

Now you will start receiving updated bank feeds in your Zoho Books organization.

* * *

## PayPal Feeds

Similarly, you can also deactivate and activate your PayPal feeds.

*   [Deactivate PayPal Feeds](/en-fr/books/help/banking/feeds.html#pay-deactivate)
*   [Activate PayPal Feeds](/en-fr/books/help/banking/feeds.html#pay-activate)

### Deactivate PayPal Feeds

To deactivate your PayPal feeds:

*   Go to the **Banking** module and click the **Add Bank or Credit Card** button, placed on the top right corner. 
*   Select **PayPal** listed under popular banks.
*   Click the **Deactivate Feeds** button on the top right corner of the window.

![Banking](/books/help/images/banking/paypal-deactivate-feeds.png)

### Activate PayPal Feeds

  In case you have deactivated your feeds and wish to reactivate them, follow the step mentioned below.

*   Go to the **Banking** module and select the Zoho Books account which was earlier configured with PayPal.
*   Click the **Gear** icon on the right and click **Activate Feeds**.

![Banking](/books/help/images/banking/paypal-bank-activate.png)

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## Connect Your Bank Accounts To Yodlee’s New API Platform

Yodlee, our third-party bank feeds service provider, has released a new API platform and we have upgraded our systems to the new platform. This new platform enables you to seamlessly sync your bank feeds with Zoho Books.

To experience the upgraded platform’s capabilities, you will have to upgrade each of your bank accounts to the new platform by reconnecting them with Zoho Books.

**Note:** Upgrading each bank account might take 2-3 minutes to complete. During that time, you will not be able to activate feeds, refresh feeds, or update the credentials for any of your banks. So, we recommend you do this whenever it is convenient for you.

To upgrade to the new platform, you will have to reconnect your bank to Zoho Books, fetch its bank accounts, and their feeds.

* * *

## Reconnect Your Bank and Fetch Bank Accounts

The first step is to upgrade your bank to the new platform and select the accounts from which you want to fetch feeds. To do this:

*   Click **Banking** on the left sidebar and scroll down to where your banks are displayed in the **Banking Overview** page.
*   Click **Upgrade Now** in the banner below the bank you want to upgrade.

![Banking](/books/help/images/banking/bank-upgrade.png)

*   Click **Upgrade Now** next to the bank account that you want to upgrade.

![Banking](/books/help/images/banking/account-upgrade.png)

*   Read all the end user terms in the following pop-up and mark **I agree to all the end user terms for automatic bank feeds**.
*   Click **Proceed**.

![Banking](/books/help/images/banking/end-user-terms.png)

Next, you will have to reconnect your bank.

**Note:** You will have to reconnect your bank within 30 minutes from the time you clicked Proceed. If you don’t reconnect within the specified time, you will have to repeat the above process again.

*   You can search for your bank from the list of banks that are supported by Yodlee.

![Banking](/books/help/images/banking/yodlee-search.png)

Next, select the bank accounts you want to reconnect.

*   Select the bank accounts and click **Save & Finish**.

![Banking](/books/help/images/banking/yodlee-account.png)

Now, you would have reconnected your bank accounts. Next, you will have to fetch the bank accounts and its feeds.

*   Select the bank accounts you’d like to fetch in the **Accounts Fetched Through Yodlee** section.

**Pro Tip:** Cross-check the bank accounts you’ve selected so that you map the right accounts.

*   Select the date from which you want to fetch the feeds.

**Note:** By default, Zoho Books displays the last date from which you’ve fetched your bank feeds under the **Fetch Bank Feeds From** section. Verify these dates and change them, if required.

*   Click **Upgrade**.

![Banking](/books/help/images/banking/feed-fetch-upgrade.png)

Once you’ve successfully upgraded to the latest platform, you’ll be automatically redirected to the Banking Overview page. You’ll now receive bank feeds seamlessly for the accounts that have been upgraded.

**Pro Tip:** You can [exclude transactions](https://www.zoho.com/books/help/banking/other-actions.html#exclude) if you have duplicate transactions once the upgrade is complete.

* * *

## Reconnect Chase and Capital One Bank Accounts

To connect bank accounts from Chase or Capital One, follow the steps mentioned below in Zoho Books:

*   Click **Banking** on the left sidebar and click the **Gear** icon in the top right corner.
*   Click **Deactivate Feeds**.

**Note:** If you have already deactivated your feeds, you can skip the above step.

![Banking](/books/help/images/banking/deactivate-feeds.png)

Your feeds will now be deactivated. However, to reconnect your bank accounts, you’ll have to activate feeds again.

*   Click the **Gear** icon in the top right corner and click **Activate** Feeds.

![Banking](/books/help/images/banking/paypal-bank-activate.png)

*   Read all the end user terms in the following pop-up and mark **I agree to all the end user terms for automatic bank feeds**.
*   Click **Proceed**.

Next, you will have to reconnect your bank.

*   Search for Chase or Capital One Bank from the list of banks that are supported by Yodlee.

![Banking](/books/help/images/banking/yodlee-search.png)

*   Click **Edit Connection** next to the list of configured accounts.
*   Click **Update** and then click **Continue**.

You’ll now be redirected to your bank website to authorize Zoho Books.

*   Click **Next** on the redirected screen.

The list of configured accounts will be displayed here. You can add any other accounts from your bank’s site. Next, select **These are all the accounts that can be shared with Zoho Books**.

*   Click **Next**.
*   Click **Connect my account(s)**.

You’ll be redirected to your Zoho Books organisation. Next, select the bank accounts you want to reconnect and click **Save & Finish**.

![Banking](/books/help/images/banking/yodlee-account.png)

You have successfully recconnected your bank accounts. Next, you will have to map the bank accounts.

*   Select the bank account for which you wanted to activate feeds in the **Accounts Fetched Through Yodlee** section.
*   Select the Date from when you want the feeds to be fetched.
*   Click **Add**.

![Banking](/books/help/images/banking/add-fetch.png)

Once you’ve upgraded to the latest platform successfully, you’ll be redirected to the Banking Overview page. You’ll now start to receive bank feeds seamlessly for the accounts that have been upgraded.

* * *

## Token Bank Feeds

### Open Banking

Open banking is a practice that allows third-party financial service providers to access a consumer’s bank, transactions, and other financial data using Application Programming Interfaces (APIs). The API provided by banks for open banking is free and lets you fetch up to 90 days of historical transactions when setting up bank feeds.

### Token

Zoho Books has integrated with Token.io, a financial service provider, to fetch bank feeds through open banking. Token.io is PCI-DSS compliant, and relies on the API connection or gateway of the bank to fetch feeds into your Zoho Books organization everyday.

If you face an issue with connecting bank feeds or receive broken bank feeds, try the solutions mentioned in our [troubleshooting guide](/en-fr/books/help/banking/troubleshooting-guide-token.html). If the issue persists, contact [support@eu.zohobooks.com](mailto:support@eu.zohobooks.com) and we will escalate the issue to Token.

### Connect Bank Accounts to Zoho Books Using Token

Connect your bank account to Zoho Books using [Token](https://token.io/), a secure open banking platform, and automatically fetch your bank feeds from your bank into Zoho Books.

**Note:** Token provides account information services only for some banks. If your bank is not one of them, you will have to import your bank statements manually.

To connect your bank account with Zoho Books:

*   Go to Banking on the left sidebar.
*   Click Add Bank or Credit Card on the top right corner of the page.
*   Click Connect Now in the banner Automatic Bank Feeds Supported Banks.

![Connect now](/books/help/images/banking/token/connect-now.png)

*   Select **Token** from the **Bank Feeds Service Provider** dropdown.

![Token- Bank Feeds Service Provider](/books/help/images/banking/token/choose-token.png)

*   Enter your bank’s name in the **Search** bar and select it from the dropdown.

**Note:** If your bank’s name is not listed in the dropdown, then your bank is not supported by Token for automatic feeds.

![Select Bank](/books/help/images/banking/token/select-bank.png)

*   Read and agree to Token’s end user terms of service and click **Connect Now.**

![Token end terms of service](/books/help/images/banking/token/terms.png)

*   In the next screen, click **Accept** to give Token consent to fetch your accounts, balances, and transaction history.

![Token's request for account information](/books/help/images/banking/token/access-request.png)

**Note:** You must connect your bank account with Zoho Books within 30 minutes of clicking **Accept**. If you don’t connect within the specified time, you will have to repeat the steps above.

*   Enter your Bank Username and Password and click **Login**.

![Bank login](/books/help/images/banking/token/bank-login.png)

*   If you have enabled two-factor authentication for your bank account, enter the verification code sent to your mobile number registered with the bank.
    
*   Select the accounts whose bank feeds you would like to receive in Zoho Books and click **Confirm** on the bank website.
    
*   Now click the account that you selected previously under _Select your accounts_ in the new page that appears.
    
*   In the **Download transaction history from** field, enter the date from which you would like to download the transaction history of your bank account and click **Continue**.
    

![Select your accounts](/books/help/images/banking/token/choose-accounts.png)

You’ll now receive bank feeds for the chosen accounts directly from your bank in Zoho Books.

* * *

**Next >**

*   [Add Transactions](/en-fr/books/help/banking/add-transactions.html)

* * *

**Related >**

*   [Add Accounts](/en-fr/books/help/banking/add-accounts.html)
*   [Match/Categorize transactions](/en-fr/books/help/banking/matching-transactions.html)
*   [Transaction Rules](/en-fr/books/help/banking/transaction-rule.html)
*   [Reconcile Accounts](/en-fr/books/help/banking/reconciliation.html)
*   [Other Actions in Banking](/en-fr/books/help/banking/other-actions.html)