{"id":"34062905-01f9-40fc-ba4b-fad428b6cb10","task":"connect EU bank accounts via GoCardless Bank Account Data (formerly Nordigen)","domain":"gocardless.com","steps":["Obtain a secret_id and secret_key from the GoCardless Bank Account Data dashboard and exchange them for a short-lived access token by POSTing to the /api/v2/token/new/ endpoint.","Create an end-user agreement by POSTing to /api/v2/agreements/enduser/ specifying the institution_id (from the institutions list endpoint), access_scope, and access_valid_for_days.","Build a requisition by POSTing to /api/v2/requisitions/ with the agreement id, redirect URL, and institution_id; the response contains a link — redirect the user to this URL to complete bank authentication.","After the user returns to your redirect URL, retrieve the requisition by GET /api/v2/requisitions/{id}/ and extract the accounts array of account IDs.","Fetch balances and transactions for each account via GET /api/v2/accounts/{id}/balances/ and GET /api/v2/accounts/{id}/transactions/ respectively.","Refresh the access token before it expires (default 24 hours) using the refresh token returned in step 1 by POSTing to /api/v2/token/refresh/."],"gotchas":["Institution-level data availability varies widely across EU countries; some banks only support a 90-day transaction history, and a small number return only balance data with no transactions.","The access token (not to be confused with the bank-level requisition) expires after 24 hours; build token refresh into every service startup, not just on 401 errors.","Requisitions and end-user agreements have separate validity windows; an expired agreement means the user must re-authenticate even if your API token is still valid."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/34062905-01f9-40fc-ba4b-fad428b6cb10"}