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You can’t create a Refresh Intent when there is another one in progress

If you create a Refresh Intent when there is another one in progress, you will receive an error looking like this:

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

If you created a Refresh Intent less than 5 minutes ago and it was successful, you will receive an error looking like this:
If you created a Refresh Intent less than 5 minutes ago and it failed, you can create another one without waiting.

The credentials are invalid

If we confirm that the credentials you’re trying to use are invalid, you will receive an error looking like this:
If we still haven’t confirmed that the credentials you’re trying to use are invalid but the bank recently said that they are invalid, you will receive an error telling you to wait some time looking like this: