This is a bit of a hot topic at the moment so I thought I'd write a blog to explain what the 90-day re-authentication rule is. Let's start from the beginning:

So, (we) tuck. have partnered with an FCA regulated and PSD2 compliant open-banking provider to help deliver seamless rewards.

What does this mean?

Well, when you download our app and connect your bank account you are authorising tuck. to have 'view only' access to your transaction data. This is so tuck. can identify every time you spend with a partner business that is on the app and subsequently reward you with cashback instantaneously. 💸

It's important to note that tuck. do not have access to any account balances, account details (e.g. account number, sort-code etc.) or direct debits. We don't need that data to reward you so we don't request it!

Open banking has opened doors for companies to create products and services that make our lives so much better. We're you struggling to save money? Open banking has allowed companies like Plum and Chip to help you manage your money better.

Okay...so why do I have to re-authorise access every 90 days on the app?

Re-authorising access with your bank every 90 days ensures that your account is secure and that you’re in control of who has access to your banking data.

What happens if I don't re-authorise?

Once the 90 days period is up, your account will be expired and you will no longer be able to earn money back on your spending. tuck. will not be able to identify when you spend at partner businesses. 🚨😞

You will then need to re-authorise by going through the authentication flow on the tuck. app.

As always, if you have any issues with this, be sure to email us on support@tuckapp.co