Frequently asked questions

To link your OakNorth account with Xero:

1. Log in to OakNorth on web
2. Go to ‘Accounting Integrations’, find Xero and click ‘Set up’
3. Follow the steps in the widget and log in to Xero
4. Click ‘Allow access’ on the Xero authorisation page
5. Choose the organisation linked to your OakNorth account
6. Select which OakNorth accounts to sync and match them to accounts in Xero

When syncing starts:

• Set up before 4pm: transactions will sync at 4pm the same day
• Set up after 4pm: transactions will sync at 4pm the next day

This integration is made possible by our trusted third-party provider, Codat, which helps securely connect your OakNorth account with Xero. Codat was founded in 2017 and is registered in England and Wales (no. 10480375). Learn more about Codat.

Don’t have matching accounts set up in Xero yet? No problem – you can create them during the integration process:

• Start by connecting your company to Xero through the OakNorth web platform
• When you reach the account mapping step, you’ll see a dropdown for each OakNorth account. If there’s no matching Xero account, choose ‘Create new account’ from the dropdown
• We’ll automatically create the necessary accounts in Xero, based on your OakNorth setup

This helps speed things up and means you don’t have to do extra work in Xero before you start.

Each OakNorth account should only be connected to one account in Xero – and vice versa.

At the moment, linking multiple OakNorth accounts to a single Xero account isn’t supported and may cause sync issues.

To keep your daily sync running smoothly:

• Link one OakNorth company to one Xero company
• Map each OakNorth account to just one account in Xero

Not sure how your setup looks? Get in touch – we’re happy to help.

Before you connect to Xero, upload any earlier transactions – from the date your account was opened to your chosen feed start date. This helps keep your balances accurate. You can upload transactions into Xero manually via CSV.

We send the following details for each transaction:

• Date
• Type (credit or debit)
• Amount
• Recipient or merchant name
• Reference

For more information on how we handle your data, see our Privacy Notice and Terms & Conditions.

We don’t access your personal or financial info. We only request permission to see which Xero accounts are available to connect, and set up and manage the integration.

We sync your OakNorth transactions with Xero once a day at 4pm GMT.

To remove the connection:

1. Go to ‘Accounting Integrations’
2. Click ‘Manage’
3. Select ‘Disconnect’

Once disconnected, the connection will stop syncing immediately and no further transactions will sync.

Note: If you reconnect later, Xero may ask you to manually transfer balances between the old and new accounts.

If you’ve created new current accounts in OakNorth after completing your initial Xero connection, follow these steps to keep things in sync:

• Log in to OakNorth on web
• Go to the ‘Accounting Integrations’ section
• Find the ‘Accounts’ section and click ‘Manage’
• You’ll see an option to map your new accounts – choose from existing Xero accounts or create new ones

Keeping these mappings up to date ensures your financial data stays accurate and in sync.

We’ll automatically retry the next day. Most issues resolve on their own, but if it’s still not syncing after 24 hours, check your connection by logging in to your OakNorth account and navigating to ‘Account Integrations’. Get in touch with our team by emailing [email protected] if you need help.

If your balance in Xero doesn’t match your OakNorth account, it could be due to:

• Missing or incomplete manual uploads
• Duplicate or incorrect transactions
• A late feed start date
• A sync may have temporarily failed or been delayed

To troubleshoot:

• Check if all transactions were uploaded from your account opening date
• Review transaction history in Xero for errors or duplicates
• Compare both balances from the day your feed started

Still unsure? Xero has a guide on reconciling bank statements – or contact us and we’ll help.

If something’s not working, it might be because:

• Your Xero organisation was renamed or deleted
• Your OakNorth account was unlinked
• Your Xero user permissions changed
• Your Xero plan changed
• You’ve recently updated your Xero password

If needed, reauthorise the connection through the ‘Accounting Integrations’ section.

Depending on the Sage product you use, the steps to connect your OakNorth account may vary. You’ll need to connect each current and savings account individually.

To link your OakNorth account with Sage:

1. Log in to your OakNorth account on the web
2. Head to ‘Accounting integrations’, find Sage and click ‘Set up’
3. Select the Sage product that you use
4. Follow the instructions in the widget – you’ll be given a unique connection ID
5. Use this connection ID in your Sage product to complete the setup

When syncing starts:

• Set up before 4pm: transactions will sync at 4pm the same day
• Set up after 4pm: transactions will sync at 4pm the next day

This integration is made possible by our trusted third-party provider, Codat, which helps securely connect your OakNorth account with Sage. Codat was founded in 2017 and is registered in England and Wales (no. 10480375). Learn more about Codat.

Before you connect to Sage, upload any earlier transactions – from the date your account was opened to your chosen feed start date. This helps keep your balances accurate. You can upload transactions into Sage manually via CSV.

We sync your OakNorth transactions with Sage once a day at 4pm GMT. When your OakNorth data appears in Sage will depend on the Sage product you’re using – some update in real time, while others might take a few hours.

For more detail, it’s best to check directly with your Sage provider.

We send the following details for each transaction:

• Transaction date
• Reference
• Description
• Amount

For more information on how we handle your data, see our Privacy Notice and Terms & Conditions.

Depending on the Sage product you use, the steps to disconnect your OakNorth account may vary. You’ll need to disconnect each current and savings account individually.

To disconnect:

1. Log in to your OakNorth account on the web
2. Go to ‘Accounting integrations’
3. Click ‘Disconnect’
4. Select the Sage product that you use
5. Follow the instructions in the widget

When setting up a bank feed, your online banking credentials are securely handled by OakNorth. Sage does not store your credentials. OakNorth facilitates the secure connection.

If your transactions aren’t syncing:

• Check that your OakNorth account is still connected in Sage
• Try manually refreshing the feed in Sage

If issues persist, contact OakNorth.

We support a range of Sage products. These include:

• Sage BC Accounting – for small businesses
• Sage 50c Accounts – for small businesses
• Sage 200c Accounts – for medium-sized businesses
• Sage 300 Accounts – for medium-sized businesses
• Sage Intacct – for medium-sized businesses
• Sage Intacct Sig – for medium-sized businesses

If you’re using one of these products, you’ll be able to connect your account and automate your transaction imports by connecting your bank feeds.

To complete the setup, you’ll need a connection ID, which you can find in your OakNorth web platform under: ‘Accounting integrations’ → ‘Set up’.