Bank data delays and freshness
How often your transactions come in, why some arrive with a delay, and how to get the most up-to-date view of your accounts.
Noryo reads your accounts using the secure bank connection of open banking. Your transactions therefore don't appear in real time to the second, but on a regular rhythm. This page explains that rhythm, what can slow it down, and how to force an update when you need it.
Updated several times a dayOperational
Your connected accounts refresh automatically at regular intervals, with no action on your part.
How often your accounts update
Your connected accounts are refreshed automatically several times a day. Between two automatic updates, you can run a manual sync at any time to immediately retrieve the latest transactions available from your bank.
- Automatic synchronization: triggered several times a day in the background.
- Manual synchronization: on your request, to get the most recent view right away.
- First synchronization: a little longer, the time it takes to retrieve your history.
Each institution makes its data available on its own rhythm. A transaction validated just now may take a while to be published by the bank, even before Noryo can read it.
Why a transaction takes time to appear
Several steps follow one another between the moment you pay and the moment the transaction appears, final, in Noryo. Understanding these states avoids a lot of worry about a balance that moves.
Payment made
You pay for a purchase. The transaction is not yet confirmed by the bank.
Pending transaction
The bank marks it as pending. The amount can affect the displayed balance without being final yet.
Validated transaction
Once confirmed, the transaction becomes final and its date may adjust.
Read by Noryo
At the next synchronization, Noryo retrieves the up-to-date transaction and displays it in your accounts.
If the displayed balance differs a little from the one in your banking app, these are usually pending transactions. Everything realigns once those transactions are validated.
Force an immediate update
Open your accounts
Go to the view of your connected accounts.
Run the manual sync
Trigger the update. On iPhone, a live activity shows you the progress during the operation.
Wait a few moments
The latest transactions available on the bank's side come in and appear.
What can slow down freshness
Common causes of a slight delay
- Bank slow to publish
- Some institutions update their data less often than others.
- Consent to renew
- The access permission expires periodically for security. Once expired, updates stop until you reconnect.
- Unstable connection
- A poor connection at the moment of synchronization can make it fail; run it again on a reliable network.
- Weekends and public holidays
- Some transactions are processed by the bank only on business days.
If an account no longer refreshes for an extended period, its access permission has probably expired. Simply reconnect the bank in question to restart the reading.
Quick questions
Can I see the time of the last update?
Yes, your accounts show their last successful synchronization.
Do pending transactions count in my analyses?
They affect the displayed balance, but a transaction becomes fully reliable once validated by the bank.
Is syncing more often risky?
No. Manual synchronization is read-only and never triggers any operation on your accounts.
How access stays safe and how to cut it off at any time.