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You can’t create a Refresh Intent while another is in progress

If you create a Refresh Intent while another is in progress, the API returns this error:

You have to wait 5 minutes to create a new Refresh Intent

If you created a successful Refresh Intent less than 5 minutes ago, the API returns this error:
If a Refresh Intent created less than 5 minutes ago fails, you can create another without waiting.

The credentials are invalid

If Fintoc confirms that your credentials are invalid, the API returns this error:
If the bank rejects your credentials but Fintoc has not confirmed they are invalid, you must wait at least one hour. The API returns this error: