Ponto PSD2 links

Ponto enables bank accounts from more than 30 banks to be securely and reliably linked to Yuki according to PSD2 and GDPR regulations.

Once a bank account is linked to Ponto, all bank transactions of the relevant bank account (including opening and closing balances) are automatically added to the administration every day.

Only payment accounts can be linked through Ponto. Once a bank account is linked, the transactions of that day are automatically retrieved. Thereafter, bank transactions will be retrieved every 6 hours by automatic synchronisation of the bank account.

Each bank account authorized in Ponto (grant Yuki access) will be charged €1.00 per month.

For more information about Ponto see https://myponto.com/en/products/account-information-service/.

ATTENTION!

• Only Dutch, Belgian and Spanish accounts can be linked through Ponto.
  
• All bank accounts to be linked to Ponto should be linked one by one.
  The linking process of the first bank account must be fully completed in Yuki. After that, the next bank account can be linked to Ponto from Yuki.

ATTENTION!

A simultaneous linking of a bank account to Ponto and with one of the four accounting links Rabobank, ABN AMRO, ING or Knab will cause duplicate transactions in the administration!

The relevant accounting link must be discontinued.

For a detailed description of how to stop an accounting link, see articles Rabobank accounting link, Accounting link with ABN AMRO, Accounting link with ING or Accounting link with KNAB.

Banks whose checking accounts can be linked through Ponto:

• ABN AMRO
• Rabobank
• ING
• Triodos
• SNS Bank
• Regiobank
• ASN Bank
• Knab
• Bunq
• DHB
• BNG Bank
• Van Lanschot
• etc.

For a list of banks whose checking accounts can be linked with Ponto see https://myponto.com/en/reach/open-banking-api-europe/.

Prepare to use Ponto

To enable use of the Ponto PSD2 link, the following steps must be completed:

Back office:

• activate Ponto in the domain
  (see article Activate Ponto in domain (Accountant))
• if necessary, remind entrepreneur of bank accounts to be linked
  (see article Activate Ponto in domain (Accountant)).

Entrepreneur:

• if required, request activation of Ponto
  (see article Request activation of Ponto (Entrepreneur))
• link one or more bank accounts to Ponto
  see article (Link one or more bank accounts to Ponto (Entrepreneur)).

The back office and entrepreneur can both:

• if necessary, retrieve past bank transactions (up to 180 days back) directly
• if necessary, retrieve past bank transactions (up to 180 days back) at a later time
• if required, manually synchronise bank transactions (up to 6 hours back).

For a detailed description of retrieving Ponto bank transactions, see article Retrieve Ponto transactions (from past) manually in Yuki.