Step-by-Step: How to Connect Bank Feeds in Zoho Books UK Seamlessly

Introduction

Managing your business finances should be simple, not stressful. Zoho Books provides seamless ways to connect your bank accounts — either automatically through secure open banking powered by Token or manually by adding your account details and importing bank statements.

In this complete guide, we'll walk you through both automatic and manual methods of connecting your bank feeds, helping you ensure accurate, real-time financial tracking in just a few easy steps.

Section 1: How to Automatically Connect Bank Feeds in Zoho Books

Step 1: Open the Banking Module

Start by logging into your Zoho Books account.
From the dashboard, look at the left-hand navigation pane and click on "Banking".
This will open the section where you can manage bank connections, view imported transactions, and keep track of your cash flow.

Click 'Connect Bank / Credit Card'

• Once inside the Banking module, click the blue "Connect Bank / Credit Card" button located at the top-right or center of the screen.
• This will initiate the automatic bank connection process.

Step 3: Search and Select Your Bank

• A new window will pop up with a list of supported popularcbanks.

• Use the search bar to find your specific bank.
• Zoho Books integrates with major UK banks through Token, offering secure, PSD2-compliant connections.

Step 4: Authorize Through Token

Due to the Second Payment Services Directive (PSD2), Zoho Books integrates with Token to fetch bank feeds through open banking.

Once you select your bank, Zoho Books will initiate the secure Token authentication process. Simply:

• Log in using your online banking credentials

• Authorize Zoho Books to fetch your bank data

• Select the specific accounts you want Zoho Books to access.

• Consent to share transaction data securely as per PSD2 regulations.

Pro Tip: Make sure to select only the business accounts relevant to your bookkeeping!

For more details, refer to Zoho's guide on migrating to Token: Migrate to Token - Banking | Zoho Books.​

Step 5: Fetch and Sync Your Transactions

• Once authorization is successful, Zoho Books will automatically fetch your bank transactions.

• You can view these transactions under the Banking module.

• If needed, you can manually refresh the feeds by clicking on the Refresh Feeds button

To manually refresh transactions, click “Refresh Feeds” whenever needed for real-time updates.

Section 2: How to Add a Bank Account Manually

Step 1. Access the Banking Module

• Log in to your Zoho Books account.

• Navigate to the Banking module from the left sidebar.​

Step 2: Click 'Add Manually'

Instead of clicking Connect Bank / Credit Card, locate and click “Add Manually” — usually found beside the main connect button.

Step 3: Enter Bank Details and Save

You’ll be prompted to fill in your bank account details:

• Account Name

• Account Code

• Account Number / IBAN

• Bank Name

• Sort Code / Routing Number

For a Credit card, you'll be prompted to fill in the following details:

• Account Name
• Account Code
• Bank Name

Save the Account

• After entering all the necessary details, click Save to add the bank account to Zoho Books.

Step 4: Import Bank Statements

Import Bank Statements (Optional)

To import transactions:

• Go to the Banking module.
• Select the manually added bank account.
• Click on the Import Statement button.
• Upload your bank statement in one of the supported formats: CSV, TSV, OFX, QIF, or CAMT.053.
• Follow the prompts to map the statement fields and complete the import.

Stay Compliant: Manage Token Reauthorization

Important:
To maintain security and PSD2 compliance, your Token authorization expires every 90 days.
Zoho Books will remind you to reconnect before expiration — simply follow the on-screen prompts to reauthorize and continue syncing your feeds without interruption.

Zoho Books support accountants in the UK 

Want expert help setting everything up flawlessly?
Spondoo UK specializes in Zoho Books migrations, bank feed setups, and full-service accounting solutions tailored for UK businesses.

Contact Us Today!

• Email: support@spondoo.co.uk

• WhatsApp: +447395534661