The Updraft app connects to your financial accounts securely through Open Banking, a regulated technology that lets you share data safely with trusted providers.
This connection is made via TrueLayer, an FCA authorised Open Banking provider.
If an account you expected to see isn’t appearing, it’s usually for one of the reasons below.
Checklist: common reasons for a missing account
1. Your Bank or provider isn't supported
Updraft connects to thousands of UK banks, building societies, and credit-card providers - but not every financial institution is part of the Open Banking network yet.
Some smaller banks, e-money providers, and international accounts aren’t currently supported.
What to do: When adding an account, use the search bar to find your provider. If it doesn’t appear, that provider hasn’t yet joined the network we connect to. We work closely with TrueLayer and the Open Banking ecosystem to add new connections as they become available.
2. The account type isn't supported
Open Banking is primarily designed for everyday 'payment accounts'. This means it generally does not support the following account types:
Mortgages
Investment accounts (like Stocks & Shares ISAs)
Pensions
Many types of personal loans
Some easy-access savings accounts
You can usually connect your current account from major banks, but other account types from the same provider may not appear.
3. The connection needs to be re-authorised
For your security, Open Banking regulations require you to re-authorise each bank connection every 90 days.
When the authorisation expires, the connection stops updating and the account may disappear from your dashboard.
What to do: Look for a prompt in the app asking you to 're-authorise' or 're-link' an account. This is a quick and secure process where your bank will ask you to confirm that you still want to share data with Updraft. Once complete, your accounts should reappear and update.
4. There is a temporary technical issue.
Occasionally, the connection to a specific bank may be temporarily unavailable. This can be due to scheduled maintenance on their end or an unexpected technical issue with their system. These issues are usually resolved by the bank within a few hours.
What to do: Please try connecting the account again a little later. If the problem persists for more than 24 hours, it may be a wider issue.
Still having trouble?
If you've checked all of the above and believe an account that should be visible is missing, please contact our support team via the in-app chat. Let them know the name of the bank and the type of account you're trying to connect, and they will be happy to investigate further for you.