Bank consent (PSD2)
What the authorization you give to your bank is, why it expires, and how to renew or revoke it.
When you link a bank to Noryo, you give a consent: the explicit authorization to share a copy of your banking data. This authorization is at the heart of open banking security. This article explains exactly what it covers, how long it lasts, how to renew it, and how to revoke it whenever you wish.
What is consent
Consent is the agreement you give to your bank to transmit your account information to Noryo. It falls under open banking, governed by the European PSD2 regulation. Without this consent, no data is shared. You decide, and you can change your mind at any time.
Consent validation takes place on your bank's official interface, not in Noryo. Your banking credentials never pass through the application.
What consent authorizes, and what it does not authorize
Consent is strictly limited to consultation. It provides read-only access: Noryo can view, never act.
| Action | Allowed by consent |
|---|---|
| View your balances | |
| View your transactions | |
| Make a transfer | — |
| Make a payment | — |
| Change an account | — |
Even with active consent, Noryo can never move a cent. The relationship remains purely consultative.
Why consent expires
For your security, an open banking consent has a limited validity period. After a certain time, it expires, and synchronization stops until you renew it. This is a protection required by regulation: it ensures no access remains open indefinitely without your confirmation.
You grant consent
By validating with your bank when connecting.
Synchronization works
Your data updates automatically.
The consent reaches its term
At the end of its validity period, the sync pauses.
You renew
By reconnecting the bank, you give your agreement again and everything resumes.
Renewing an expired consent
Renewing is simple and quick: just reconnect the relevant bank. Noryo redirects you to your bank's interface where you validate access again. Synchronization then resumes normally, without losing your history.
Open your banks screen
Spot the bank whose consent has expired, it is flagged.
Start the reconnection
Noryo sends you to your bank's official interface.
Validate the new access
Confirm the sharing of your data as on the first connection.
Revoking your consent
You remain in control at all times. You can revoke your consent in two ways: by disconnecting the bank from Noryo or by revoking access directly from your banking space. In both cases, data sharing stops.
Once consent is revoked, synchronization stops, and the relevant accounts no longer update. You can link the bank again later if you wish.
Frequently asked questions
How long does a consent last?
Its duration is set by the regulation and your bank. At the end of the term, a simple renewal by reconnecting reactivates it.
Does renewing erase my history?
No, your history is kept. Renewing only restores the data flow.
Can I withdraw consent whenever I want?
Yes, at any time, by disconnecting the bank in Noryo or by revoking access with your bank.
The step by step guide to link or renew a connection.