Connect your bank

Connect LHV, SEB, Swedbank, Luminor or Wise to Arvello through open banking (PSD2) — Estonian business transactions import automatically every six hours.

Arvello connects to your business bank account through open banking (PSD2), carried by Enable Banking, a regulated European account information provider. You authorise the connection at your bank using your normal login — your internet bank credentials are never shared with Arvello — and from then on transactions flow in by themselves.

Once connected, Arvello checks for new transactions automatically every six hours, and each bank account card has a Sync Now button for the moments when you have just been paid and want to see it.

Setting up the connection

Choose your bank

Go to Banking → Bank Accounts and select Connect Bank. Arvello shows the current list of banks available for Estonian business accounts, with a search box if yours is hiding. Pick your bank to begin.

Authorise at your bank

You are redirected to your bank's own authentication — typically Smart-ID, Mobile-ID or the bank's app. This is also where you choose which of your accounts to share. The consent screen mentions Enable Banking, the regulated provider that carries the connection on Arvello's behalf.

Let the first import run

Back in Arvello, each account you shared becomes its own bank account, and the first transaction import starts immediately. When it finishes you'll see which bank was connected, how many accounts came with it and how many transactions were imported. Each account then appears as a card under Bank Accounts showing its balance, transaction count and anything still unreconciled.

The first import reaches back 90 days, or to your opening balance cutover date if that is more recent — anything earlier is already summarised in your opening balances. For history older than that, a CSV import into the same account fills the gap; see also Import your financial history.

Supported banks

The banks Estonian companies actually use are covered: LHV, Swedbank, SEB, Luminor, Coop and Wise among them, with more available through Enable Banking. The picker always shows the live list for Estonian business accounts, so it is the definitive answer on any given day. If your bank or payment provider isn't there, CSV import covers the gap.

Open banking access is time-limited by design: each authorisation is valid for 180 days, after which it has to be renewed at the bank.

⚠️Connections expire every 180 days

This is a PSD2 rule rather than an Arvello quirk. From two weeks before expiry, the bank account card shows "Bank connection expires soon — please reconnect" along with a Reconnect button; once the consent has lapsed, imports stop until you renew. Renewal is the same authorisation flow as the first connection and takes about a minute.

Renewing changes nothing about your data. Existing transactions, matches and categorisations are untouched, and because each import picks up where the last one left off, anything that arrived at the bank while the connection was expired is fetched on the next sync.

Multiple accounts and plan limits

Every account you share becomes a separate bank account in Arvello with its own card, transactions and reconciliation queue — useful if your company keeps, say, an LHV account for daily banking and a Wise account for foreign currency.

Each plan includes a number of bank connections: 1 on Solo, 3 on Growth and 5 on Business. On Growth and Business, additional connections cost €5/month each; on Solo, more connections mean moving up a plan. Your current usage and plan details live in Plans and billing.

Common questions

My connection says it has expired

The 180-day consent has run out. Select Reconnect on the bank account card and approve at your bank again. Nothing is lost — your history and reconciliation work stay exactly as they were, and the next import collects whatever arrived in the meantime.

Some transactions seem to be missing

The usual suspects, in order of likelihood:

Timing. Automatic syncs run every six hours, so a payment made an hour ago may simply not be in yet. Sync Now on the account card fetches it immediately.
Age. The first import covers the last 90 days. Older transactions need a CSV statement instead.
Your cutover date. Transactions dated on or before your opening balance cutover are deliberately skipped — that period is already represented in your opening balances, and importing it again would double-count. See Import your financial history.