Synchronize connected accounts twice a day

One named syncInterval replaces the two 24-hour literals in the scheduler: a
successful run now waits 12 hours, and an account becomes due again 12 hours
after its last successful sync. Two background fetches a day stay inside Enable
Banking's documented allowance of roughly four per account per day, which a
failing sync's hourly retries also draw from, so the bank rate limits that
prompted this are no more likely than before.

OPERATIONS.txt

@@ -275,13 +275,27 @@ errors are displayed separately from expired consent.
 
 Only booked transactions are persisted. Each new account initially requests the
 selected number of calendar months (12 by default); the bank may provide less.
-Daily sync deliberately overlaps each account's last successful sync by 14 days.
+Automatic sync runs twice a day, every 12 hours from the last successful run,
+and deliberately overlaps each account's last successful sync by 14 days.
 Per-account cursors prevent another account's recent sync from skipping a new
 account's history. Reconnection preserves the saved history choice and existing
 cursors. Changing the choice or reconnecting does not backfill already-synced
 accounts. Older records can be imported using CSV. Older saved consents without
 a history choice use 12 months for accounts that have no successful-sync cursor.
-A failed provider call retains local data and is retried by the daily scheduler;
+A failed provider call retains local data. Failures whose cause Finance Duck
+determines locally are named: a bank rate limit with its retry time, an expired
+consent, an HTTP status, an unreachable provider, or a response the journal
+cannot use (for example a booked transaction without a booking date). Only an
+unrecognized cause falls back to "transaction retrieval failed". Provider
+response text is never shown.
+
+While every failing bank has named its own retry time, the account is reported
+as waiting, not broken: the dashboard says synchronization retries by itself,
+the account card shows a rate-limit badge with that time, and the scheduler
+sleeps until the deadline instead of spending hourly session checks on a
+refusal it already knows about. Sync now still tries immediately. Any failure
+without such a deadline keeps the hourly retry. Retry times are persisted with
+the sync state in whole seconds and rendered in the browser's time zone.
 Sync now can retry sooner. Balances are fetched
 on demand, with exact amount/currency/type values, rather than inferred from an
 incomplete historical journal.

README.md

@@ -142,10 +142,12 @@ Open **Accounts → Connect your bank**:
 
 Finance Duck verifies the callback state, exchanges the returned code for a `session_id`, stores the session locally with restrictive permissions, and wakes the synchronization worker immediately. You do not need to copy the code or session ID manually.
 
-Initial synchronization requests the selected number of **calendar months of booked transactions per account**, defaulting to **12 months**. The bank may provide less history. The choice is saved with the bank connection and reused on reconnection. Subsequent daily synchronization overlaps each account's last successful sync by **14 days**. **Sync now** starts a manual synchronization. Existing accounts keep their successful-sync cursors: changing the history choice or reconnecting does **not** backfill them. Older history can be imported with CSV.
+Initial synchronization requests the selected number of **calendar months of booked transactions per account**, defaulting to **12 months**. The bank may provide less history. The choice is saved with the bank connection and reused on reconnection. Automatic synchronization then runs **twice a day**, every **12 hours** after the last successful run, overlapping each account's last successful sync by **14 days**. **Sync now** starts a manual synchronization at any time. Existing accounts keep their successful-sync cursors: changing the history choice or reconnecting does **not** backfill them. Older history can be imported with CSV.
 
 **HTTP 429 is a provider rate limit, not evidence that bank consent has expired.** Bank reads honor `Retry-After` and use bounded exponential retries. A longer or exhausted limit pauses further requests until the reported retry time; failed accounts keep their previous sync cursors and imported data. Session checks use the saved account metadata rather than fetching every account's details again. A failed session is reported once instead of also marking each of its accounts unavailable. After the cooldown, **Sync now** can retry; the warning clears after a successful sync. One-time authorization and code-exchange requests are never automatically replayed.
 
+**A rate-limited sync is a wait, not a fault.** While every failing bank has supplied a retry time, the dashboard reports that synchronization retries by itself after that moment, the account card shows a rate-limit badge instead of a connection error, and the background scheduler sleeps until the deadline rather than retrying hourly into a refusal it already knows about. **Sync now** still tries immediately. Any failure without a supplied deadline keeps the hourly retry, and its cause is named where Finance Duck can determine it locally: an expired consent, an HTTP status, an unreachable provider, or a response it cannot use, such as a booked transaction without a booking date. Provider response text is never displayed.
+
 Manual **Sync now**, **Import older history**, and balance requests forward the requesting user's IP, browser User-Agent, and available Accept headers to the bank as PSU metadata. Scheduled syncs never claim a user is present. This distinction matters: [Enable Banking documents background limits of roughly four fetches per day at many banks](https://enablebanking.com/docs/faq/#why-am-i-getting-429-response-code-are-there-rate-limits-for-the-api). A confirmed background `ASPSP_RATE_LIMIT_EXCEEDED` defers that account's affected endpoint for at least six hours, preserving longer provider hints; it does not block an eligible user-initiated fetch. General provider limits still apply to both. Bank requests are spaced by at least one second, with longer learned spacing after throttling.
 
 ### Import older history for a connected account

internal/app/app.go

@@ -29,9 +29,12 @@ type Settings struct {
 	ClassifyOnImport bool   `json:"classify_on_import"`
 }
 type Status struct {
-	SyncError         string `json:"sync_error"`
-	IndexError        string `json:"index_error"`
-	LastSync          string `json:"last_sync"`
+	SyncError  string `json:"sync_error"`
+	IndexError string `json:"index_error"`
+	LastSync   string `json:"last_sync"`
+	// SyncRetryAt is set only when every sync failure is a bank rate limit that
+	// clears on its own; it is the earliest time an automatic retry is allowed.
+	SyncRetryAt       string `json:"sync_retry_at,omitempty"`
 	BankingConfigured bool   `json:"banking_configured"`
 	AIConfigured      bool   `json:"ai_configured"`
 }
@@ -49,6 +52,7 @@ type operational struct {
 	Sessions     []banking.Session  `json:"sessions"`
 	LastSync     string             `json:"last_sync"`
 	SyncError    string             `json:"sync_error"`
+	SyncRetryAt  string             `json:"sync_retry_at,omitempty"`
 	Consents     map[string]Consent `json:"consents"`
 	AccountSync  map[string]string  `json:"account_sync"`
 	BankingScope string             `json:"banking_scope"`
@@ -166,7 +170,8 @@ func (a *App) snapshot(ctx context.Context) (State, error) {
 			a.indexError = ""
 		}
 	}
-	return State{Data: d, Revision: rev, Settings: a.settings, Sessions: copySessions(a.ops.Sessions), CallbackURL: a.callbackURL, BankingAppID: a.bankingSettings.AppID, Connections: a.connections(d), Status: Status{SyncError: a.ops.SyncError, LastSync: a.ops.LastSync, IndexError: a.indexError, BankingConfigured: a.bank != nil, AIConfigured: a.classifier.APIKey != ""}}, nil
+	status := Status{SyncError: a.ops.SyncError, SyncRetryAt: a.ops.SyncRetryAt, LastSync: a.ops.LastSync, IndexError: a.indexError, BankingConfigured: a.bank != nil, AIConfigured: a.classifier.APIKey != ""}
+	return State{Data: d, Revision: rev, Settings: a.settings, Sessions: copySessions(a.ops.Sessions), CallbackURL: a.callbackURL, BankingAppID: a.bankingSettings.AppID, Connections: a.connections(d), Status: status}, nil
 }
 func (a *App) Snapshot(ctx context.Context) (State, error) {
 	a.mu.Lock()

internal/app/banking_settings.go

@@ -31,6 +31,7 @@ func (a *App) clearBankingSessions(scope string) {
 	a.ops.AccountSync = make(map[string]string)
 	a.ops.LastSync = ""
 	a.ops.SyncError = ""
+	a.ops.SyncRetryAt = ""
 	a.ops.BankingScope = scope
 }
 

internal/app/consent.go

@@ -27,6 +27,8 @@ type Consent struct {
 	HistoryMonths  int    `json:"history_months"`
 	Error          string `json:"error,omitempty"`
 	NeedsReconnect bool   `json:"needs_reconnect"`
+	// RetryAt is the bank's own retry time while it rate limits this consent.
+	RetryAt string `json:"retry_at,omitempty"`
 }
 type Connection struct {
 	AccountID     string `json:"account_id"`
@@ -37,6 +39,7 @@ type Connection struct {
 	Status        string `json:"status"`
 	ValidUntil    string `json:"valid_until"`
 	Error         string `json:"error"`
+	RetryAt       string `json:"retry_at,omitempty"`
 }
 
 // psuType keeps legacy consents, which predate the choice, on the personal
@@ -79,6 +82,7 @@ func (a *App) connections(d domain.Dataset) []Connection {
 				}
 				c.ValidUntil = session.ValidUntil
 				c.Error = meta.Error
+				c.RetryAt = meta.RetryAt
 				c.Status = "connected"
 				expiry, err := time.Parse(time.RFC3339, session.ValidUntil)
 				if meta.NeedsReconnect || err != nil || !expiry.After(time.Now()) {
@@ -86,6 +90,9 @@ func (a *App) connections(d domain.Dataset) []Connection {
 					if c.Error == "" {
 						c.Error = "Bank consent expired; reconnect to resume automatic imports"
 					}
+				} else if meta.RetryAt != "" {
+					// A rate limit is the bank pacing us, not a broken connection.
+					c.Status = "rate_limited"
 				} else if meta.Error != "" {
 					c.Status = "error"
 				}

internal/app/import.go

@@ -605,10 +605,12 @@ func (a *App) Balances(ctx context.Context, id string) ([]banking.Balance, error
 
 // Only typed, locally generated errors are safe to expose; provider errors may
 // wrap private response data even when their underlying cause is recognizable.
+// The fallback is a last resort: an unnamed cause leaves an operator with
+// nothing to act on.
 func bankFailure(err error, fallback string) error {
 	var background *banking.BackgroundQuotaError
 	if errors.As(err, &background) {
-		return fmt.Errorf("Enable Banking: %w", background)
+		return background
 	}
 	var limited *ratelimit.RateLimitError
 	if errors.As(err, &limited) {
@@ -625,9 +627,25 @@ func bankFailure(err error, fallback string) error {
 	if errors.As(err, &consent) {
 		return consent
 	}
+	var provider *banking.ProviderError
+	if errors.As(err, &provider) {
+		return provider
+	}
 	return errors.New(fallback)
 }
 
+// syncRetryAt reports the bank's own retry time for a failure that clears
+// itself. A rate limit without a usable deadline is not treated as waiting:
+// nothing would ever announce that it had expired.
+func syncRetryAt(err error) (time.Time, bool) {
+	var limited *ratelimit.RateLimitError
+	if !errors.As(err, &limited) {
+		return time.Time{}, false
+	}
+	at := limited.RetryAt()
+	return at, !at.IsZero()
+}
+
 func (a *App) Sync(ctx context.Context) (State, error) {
 	a.mu.Lock()
 	defer a.mu.Unlock()
@@ -639,6 +657,10 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		return State{}, err
 	}
 	var failures []string
+	// waitUntil is the earliest time the banks themselves allow a retry, used
+	// only while every failure is such a self-clearing rate limit.
+	var waitUntil time.Time
+	waiting := true
 	for i := range a.ops.Sessions {
 		connectAccounts(&s.Data, &a.ops.Sessions[i], false)
 	}
@@ -684,6 +706,15 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		}
 		if e != nil {
 			meta.Error = bankFailure(e, "bank connection unavailable; retry synchronization").Error()
+			meta.RetryAt = ""
+			if at, ok := syncRetryAt(e); ok {
+				meta.RetryAt = at.UTC().Format(time.RFC3339)
+				if waitUntil.IsZero() || at.Before(waitUntil) {
+					waitUntil = at
+				}
+			} else {
+				waiting = false
+			}
 			meta.NeedsReconnect = errors.Is(e, banking.ErrReconnect)
 			a.ops.Consents[session.ID] = meta
 			failures = append(failures, meta.Institution+": "+meta.Error)
@@ -691,6 +722,7 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 			continue
 		}
 		meta.Error = ""
+		meta.RetryAt = ""
 		meta.NeedsReconnect = false
 		a.ops.Consents[session.ID] = meta
 		a.ops.Sessions[i].ValidUntil = current.ValidUntil
@@ -712,9 +744,11 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		}
 		if !validAccounts[account.ID] {
 			failures = append(failures, account.DisplayName+": bank connection unavailable")
+			waiting = false
 			if sessionID != "" {
 				meta := a.ops.Consents[sessionID]
 				meta.Error = banking.ErrReconnect.Error()
+				meta.RetryAt = ""
 				meta.NeedsReconnect = true
 				a.ops.Consents[sessionID] = meta
 			}
@@ -731,6 +765,15 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		if e != nil {
 			meta := a.ops.Consents[sessionID]
 			meta.Error = bankFailure(e, "transaction retrieval failed; retry synchronization").Error()
+			meta.RetryAt = ""
+			if at, ok := syncRetryAt(e); ok {
+				meta.RetryAt = at.UTC().Format(time.RFC3339)
+				if waitUntil.IsZero() || at.Before(waitUntil) {
+					waitUntil = at
+				}
+			} else {
+				waiting = false
+			}
 			meta.NeedsReconnect = meta.NeedsReconnect || errors.Is(e, banking.ErrReconnect)
 			a.ops.Consents[sessionID] = meta
 			failures = append(failures, account.DisplayName+": "+meta.Error)
@@ -739,6 +782,7 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		result, e := a.importFacts(ctx, s, facts)
 		if e != nil {
 			failures = append(failures, account.DisplayName+": "+e.Error())
+			waiting = false
 			s, err = a.snapshot(ctx)
 			if err != nil {
 				return State{}, err
@@ -749,14 +793,54 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		a.ops.AccountSync[account.ID] = now.Format(time.RFC3339)
 	}
 	a.ops.SyncError = strings.Join(failures, "; ")
+	a.ops.SyncRetryAt = ""
 	if len(failures) == 0 {
 		a.ops.LastSync = now.Format(time.RFC3339)
+	} else if waiting && !waitUntil.IsZero() {
+		// Every bank named its own retry time: this is a wait, not a fault.
+		a.ops.SyncRetryAt = waitUntil.UTC().Format(time.RFC3339)
 	}
 	if err = a.saveOps(); err != nil {
 		return State{}, err
 	}
 	return a.snapshot(ctx)
 }
+
+// syncInterval is how often connected accounts synchronize on their own. Twice
+// a day halves how long a booking can sit unseen while staying inside Enable
+// Banking's documented background allowance of roughly four fetches per day per
+// account, which a failing sync's hourly retries also draw from.
+const syncInterval = 12 * time.Hour
+
+// syncSchedule decides whether an automatic sync may run now, and how long to
+// wait otherwise. While a bank has named its own retry time, waiting is the
+// only useful action: retrying earlier spends session-status calls on a refusal
+// that is already known. A manual request always proceeds.
+func syncSchedule(now time.Time, ops operational, force bool) (time.Duration, bool) {
+	if retry, err := time.Parse(time.RFC3339, ops.SyncRetryAt); err == nil && !force && now.Before(retry) {
+		return min(retry.Sub(now)+time.Minute, time.Hour), false
+	}
+	last, err := time.Parse(time.RFC3339, ops.LastSync)
+	if force || err != nil || ops.SyncError != "" || now.Sub(last) >= syncInterval {
+		return 0, true
+	}
+	return time.Minute, false
+}
+
+// syncBackoff spaces the next attempt after a sync. A failure with a known bank
+// retry time waits for it; other failures retry hourly so transient provider
+// problems clear without waiting for the next scheduled run, while bounding
+// unattended traffic.
+func syncBackoff(now time.Time, ops operational) time.Duration {
+	if ops.SyncError == "" {
+		return syncInterval
+	}
+	if retry, err := time.Parse(time.RFC3339, ops.SyncRetryAt); err == nil && now.Before(retry) {
+		return min(retry.Sub(now)+time.Minute, syncInterval)
+	}
+	return time.Hour
+}
+
 func (a *App) RunScheduler(ctx context.Context) {
 	timer := time.NewTimer(time.Minute)
 	defer timer.Stop()
@@ -771,25 +855,19 @@ func (a *App) RunScheduler(ctx context.Context) {
 		}
 		a.mu.Lock()
 		configured := a.bank != nil
-		last, err := time.Parse(time.RFC3339, a.ops.LastSync)
-		failed := a.ops.SyncError != ""
+		wait, due := syncSchedule(time.Now(), a.ops, force)
 		a.mu.Unlock()
-		due := force || err != nil || failed || time.Since(last) >= 24*time.Hour
 		if !configured || !due {
-			timer.Reset(time.Minute)
+			if wait <= 0 {
+				wait = time.Minute
+			}
+			timer.Reset(wait)
 			continue
 		}
 		a.Sync(ctx)
 		a.mu.Lock()
-		failed = a.ops.SyncError != ""
+		wait = syncBackoff(time.Now(), a.ops)
 		a.mu.Unlock()
-		if failed {
-			// A failed sync leaves its persisted error banner behind. Retry
-			// hourly so transient provider failures clear without waiting a
-			// day, while bounding unattended traffic toward the provider.
-			timer.Reset(time.Hour)
-		} else {
-			timer.Reset(24 * time.Hour)
-		}
+		timer.Reset(wait)
 	}
 }

internal/app/sync_test.go

@@ -273,7 +273,7 @@ func TestSyncMissingMembershipStillRejectsAccount(t *testing.T) {
 }
 
 func TestSyncTransactionFailuresPreserveProgressAndSafeErrors(t *testing.T) {
-	for _, scenario := range []string{"rate limit", "background rate limit", "reconnect", "private response"} {
+	for _, scenario := range []string{"rate limit", "background rate limit", "reconnect", "private response", "unusable response"} {
 		t.Run(scenario, func(t *testing.T) {
 			a, s, b := backfillApp(t)
 			s = seed(t, a, s)
@@ -292,6 +292,9 @@ func TestSyncTransactionFailuresPreserveProgressAndSafeErrors(t *testing.T) {
 				b.fetchErr = fmt.Errorf("private provider response: %w", banking.ErrReconnect)
 			case "private response":
 				b.fetchErr = errors.New("private provider response")
+			case "unusable response":
+				unusable := &banking.ProviderError{Detail: "a booked transaction has no valid booking date"}
+				b.fetchErr = fmt.Errorf("private provider response: %w", unusable)
 			}
 			failed, err := a.Sync(context.Background())
 			if err != nil {
@@ -313,6 +316,43 @@ func TestSyncTransactionFailuresPreserveProgressAndSafeErrors(t *testing.T) {
 			if !reflect.DeepEqual(s.Data, failed.Data) || !reflect.DeepEqual(cursors, a.ops.AccountSync) || a.ops.LastSync != old {
 				t.Fatal("failed retrieval imported partial data or advanced synchronization")
 			}
+			rateLimited := strings.Contains(scenario, "rate limit")
+			// A bank that named its own retry time is a wait, not a fault: the
+			// UI and the scheduler both rely on this distinction.
+			if (failed.Status.SyncRetryAt != "") != rateLimited {
+				t.Fatalf("waiting state is wrong for %s: retry at %q", scenario, failed.Status.SyncRetryAt)
+			}
+			for _, connection := range failed.Connections {
+				if connection.Status == "local" {
+					continue
+				}
+				want := "error"
+				switch {
+				case rateLimited:
+					want = "rate_limited"
+				case scenario == "reconnect":
+					want = "reconnect_required"
+				}
+				if connection.Status != want || (connection.RetryAt != "") != rateLimited {
+					t.Fatalf("connection reported %q with retry %q, want %q", connection.Status, connection.RetryAt, want)
+				}
+			}
+			if rateLimited {
+				at, e := time.Parse(time.RFC3339, failed.Status.SyncRetryAt)
+				if e != nil || !at.After(time.Now()) {
+					t.Fatalf("unusable retry deadline %q: %v", failed.Status.SyncRetryAt, e)
+				}
+				// Whole seconds, once: operators read this message.
+				if !strings.Contains(meta.Error, at.UTC().Format(time.RFC3339)) || strings.Count(meta.Error, "429") != 1 {
+					t.Fatalf("rate limit message is not legible: %q", meta.Error)
+				}
+			}
+			if scenario == "unusable response" && (!strings.Contains(meta.Error, "cannot use") || !strings.Contains(meta.Error, "booking date")) {
+				t.Fatalf("unusable provider response was reduced to an opaque failure: %q", meta.Error)
+			}
+			if scenario == "private response" && !strings.Contains(meta.Error, "transaction retrieval failed") {
+				t.Fatalf("unrecognized failure lost its fallback: %q", meta.Error)
+			}
 			b.fetchErr = nil
 			recovered, err := a.Sync(context.Background())
 			if err != nil || recovered.Status.SyncError != "" || a.ops.Consents["current"].Error != "" || a.ops.Consents["current"].NeedsReconnect {
@@ -321,3 +361,50 @@ func TestSyncTransactionFailuresPreserveProgressAndSafeErrors(t *testing.T) {
 		})
 	}
 }
+
+// The scheduler must not spend session-status calls on a refusal the bank has
+// already scheduled, and must not sit on a deadline that has passed.
+func TestSyncSchedulingRespectsTheBanksOwnRetryTime(t *testing.T) {
+	// Persisted deadlines carry whole seconds; compare against the same grid.
+	now := time.Now().UTC().Truncate(time.Second)
+	stale := now.Add(-48 * time.Hour).Format(time.RFC3339)
+	waiting := operational{LastSync: stale, SyncError: "N26: rate limited", SyncRetryAt: now.Add(3 * time.Hour).Format(time.RFC3339)}
+	broken := operational{LastSync: stale, SyncError: "Trade Republic: retrieval failed"}
+	healthy := operational{LastSync: now.Format(time.RFC3339)}
+	// Twice daily: still fresh at six hours, due again after thirteen.
+	fresh := operational{LastSync: now.Add(-6 * time.Hour).Format(time.RFC3339)}
+	overdue := operational{LastSync: now.Add(-13 * time.Hour).Format(time.RFC3339)}
+	elapsed := operational{LastSync: stale, SyncError: waiting.SyncError, SyncRetryAt: now.Add(-time.Minute).Format(time.RFC3339)}
+	cases := []struct {
+		name  string
+		ops   operational
+		force bool
+		wait  time.Duration
+		due   bool
+	}{
+		{"waiting for the bank", waiting, false, time.Hour, false},
+		{"manual sync during a wait", waiting, true, 0, true},
+		{"deadline elapsed", elapsed, false, 0, true},
+		{"failure without a deadline", broken, false, 0, true},
+		{"recent success", healthy, false, time.Minute, false},
+		{"halfway through the interval", fresh, false, time.Minute, false},
+		{"interval elapsed", overdue, false, 0, true},
+	}
+	for _, tt := range cases {
+		t.Run(tt.name, func(t *testing.T) {
+			wait, due := syncSchedule(now, tt.ops, tt.force)
+			if wait != tt.wait || due != tt.due {
+				t.Fatalf("schedule = (%s, %t), want (%s, %t)", wait, due, tt.wait, tt.due)
+			}
+		})
+	}
+	if backoff := syncBackoff(now, waiting); backoff != 3*time.Hour+time.Minute {
+		t.Fatalf("rate-limited backoff = %s, want the bank's own deadline", backoff)
+	}
+	if backoff := syncBackoff(now, broken); backoff != time.Hour {
+		t.Fatalf("failure backoff = %s, want hourly retries", backoff)
+	}
+	if backoff := syncBackoff(now, healthy); backoff != 12*time.Hour {
+		t.Fatalf("successful backoff = %s, want twice-daily synchronization", backoff)
+	}
+}

internal/banking/enablebanking.go

@@ -204,14 +204,43 @@ type BackgroundQuotaError struct {
 	*ratelimit.RateLimitError
 }
 
+// Error describes the pause in one line: operators need the bank's own retry
+// time, not a stack of nested rate-limit wrappers.
 func (e *BackgroundQuotaError) Error() string {
-	return "background bank retrieval quota (normally six hours): " + e.RateLimitError.Error()
+	if e.RetryAt().IsZero() {
+		return "the bank is rate limiting background retrieval (HTTP 429); automatic retry is disabled, synchronize manually later"
+	}
+	return "the bank is rate limiting background retrieval (HTTP 429, normally six hours); automatic retry at " + e.RetryAt().UTC().Format(time.RFC3339)
 }
 
 func (e *BackgroundQuotaError) Unwrap() error {
 	return e.RateLimitError
 }
 
+// ProviderError reports a provider interaction that failed for a reason Finance
+// Duck determined itself: the provider could not be reached, or its response
+// could not be used. Detail is written here and never taken from provider
+// response text, so callers may show the whole message to the user.
+type ProviderError struct {
+	Unreachable bool
+	Detail      string
+	cause       error
+}
+
+func (e *ProviderError) Error() string {
+	message := "the bank's provider returned a response Finance Duck cannot use"
+	if e.Unreachable {
+		message = "the bank's provider could not be reached"
+	}
+	if e.Detail == "" {
+		return message
+	}
+	return message + ": " + e.Detail
+}
+
+// Unwrap keeps cancellation and deadline identity for callers that retry.
+func (e *ProviderError) Unwrap() error { return e.cause }
+
 // APIError reports a failed Enable Banking call. Its message is built only
 // from the HTTP status and, when the response envelope's error code exactly
 // matches the documented enumeration, that code with a locally written hint.
@@ -365,9 +394,9 @@ func (p *EnableBanking) request(ctx context.Context, method, path string, input,
 				return nil, context.Canceled
 			}
 			if errors.Is(err, context.DeadlineExceeded) {
-				return nil, fmt.Errorf("request timed out: %w", context.DeadlineExceeded)
+				return nil, &ProviderError{Unreachable: true, Detail: "the request timed out", cause: context.DeadlineExceeded}
 			}
-			return nil, errors.New("connection failed")
+			return nil, &ProviderError{Unreachable: true, Detail: "the connection failed"}
 		}
 		if response.StatusCode == http.StatusTooManyRequests && scope != "" && !foreground {
 			// Inspect only a small structured error envelope, never exposing its
@@ -404,15 +433,15 @@ func (p *EnableBanking) request(ctx context.Context, method, path string, input,
 			return context.Canceled
 		}
 		if errors.Is(err, context.DeadlineExceeded) {
-			return fmt.Errorf("Enable Banking response timed out: %w", context.DeadlineExceeded)
+			return &ProviderError{Unreachable: true, Detail: "reading its response timed out", cause: context.DeadlineExceeded}
 		}
-		return fmt.Errorf("read Enable Banking response")
+		return &ProviderError{Detail: "its response could not be read"}
 	}
 	if len(b) > limit {
-		return fmt.Errorf("Enable Banking response exceeded size limit")
+		return &ProviderError{Detail: "its response exceeded the size limit"}
 	}
 	if err = json.Unmarshal(b, output); err != nil {
-		return fmt.Errorf("invalid Enable Banking response")
+		return &ProviderError{Detail: "its response was not the expected JSON"}
 	}
 	return nil
 }
@@ -633,10 +662,10 @@ func (p *EnableBanking) Exchange(ctx context.Context, code string) (Session, err
 		return Session{}, err
 	}
 	if response.ID == "" {
-		return Session{}, fmt.Errorf("Enable Banking returned no session ID")
+		return Session{}, &ProviderError{Detail: "it returned no session identifier"}
 	}
 	if _, err := time.Parse(time.RFC3339, response.Access.ValidUntil); err != nil {
-		return Session{}, fmt.Errorf("Enable Banking returned invalid session expiry")
+		return Session{}, &ProviderError{Detail: "it returned an invalid session expiry"}
 	}
 	result := Session{ID: response.ID, ValidUntil: response.Access.ValidUntil, Accounts: []domain.Account{}}
 	// One account the journal cannot represent (securities or card entries
@@ -669,7 +698,7 @@ func (p *EnableBanking) Status(ctx context.Context, sessionID string) (SessionSt
 	}
 	expires, err := time.Parse(time.RFC3339, response.Access.ValidUntil)
 	if err != nil {
-		return SessionStatus{}, fmt.Errorf("Enable Banking returned invalid session expiry")
+		return SessionStatus{}, &ProviderError{Detail: "it returned an invalid session expiry"}
 	}
 	if !expires.After(time.Now()) {
 		return SessionStatus{}, fmt.Errorf("Enable Banking session expired: %w", ErrReconnect)
@@ -705,7 +734,7 @@ func (p *EnableBanking) Balances(ctx context.Context, externalAccountID string)
 	for _, b := range response.Balances {
 		amount, err := domain.ParseMoney(b.Amount.Amount)
 		if err != nil || !validCurrency(b.Amount.Currency) {
-			return nil, fmt.Errorf("Enable Banking returned invalid balance amount")
+			return nil, &ProviderError{Detail: "it returned an invalid balance amount"}
 		}
 		result = append(result, Balance{Amount: amount, Currency: b.Amount.Currency, Type: b.Type, ReferenceDate: b.ReferenceDate})
 	}
@@ -776,30 +805,30 @@ func (p *EnableBanking) Transactions(ctx context.Context, account domain.Account
 			}
 			amount, err := domain.ParseMoney(t.Amount.Amount)
 			if err != nil || strings.HasPrefix(amount.String(), "-") || !validCurrency(t.Amount.Currency) {
-				return nil, fmt.Errorf("Enable Banking returned invalid transaction amount")
+				return nil, &ProviderError{Detail: "a booked transaction has no usable amount or currency"}
 			}
 			party, iban := t.Debtor.Name, t.DebtorAccount.IBAN
 			switch t.Indicator {
 			case "DBIT":
 				amount, err = domain.ParseMoney("-" + amount.String())
 				if err != nil {
-					return nil, fmt.Errorf("invalid debit amount")
+					return nil, &ProviderError{Detail: "a booked debit has no usable amount"}
 				}
 				party, iban = t.Creditor.Name, t.CreditorAccount.IBAN
 			case "CRDT":
 			default:
-				return nil, fmt.Errorf("Enable Banking returned invalid credit/debit indicator")
+				return nil, &ProviderError{Detail: "a booked transaction has no credit/debit indicator"}
 			}
 			// Booked records without a booking date cannot be placed truthfully in the journal.
 			if _, err := time.Parse("2006-01-02", t.BookingDate); err != nil {
-				return nil, fmt.Errorf("Enable Banking booked transaction has no valid booking date")
+				return nil, &ProviderError{Detail: "a booked transaction has no valid booking date"}
 			}
 			if (from != "" && t.BookingDate < from) || (to != "" && t.BookingDate > to) {
 				continue
 			}
 			if t.ValueDate != "" {
 				if _, err := time.Parse("2006-01-02", t.ValueDate); err != nil {
-					return nil, fmt.Errorf("Enable Banking returned invalid value date")
+					return nil, &ProviderError{Detail: "a booked transaction has an invalid value date"}
 				}
 			}
 			description := strings.Join(t.Remittance, "\n")
@@ -812,10 +841,10 @@ func (p *EnableBanking) Transactions(ctx context.Context, account domain.Account
 			return result, nil
 		}
 		if seen[response.ContinuationKey] {
-			return nil, fmt.Errorf("Enable Banking repeated a pagination key")
+			return nil, &ProviderError{Detail: "it repeated a transaction pagination key"}
 		}
 		seen[response.ContinuationKey] = true
 		query.Set("continuation_key", response.ContinuationKey)
 	}
-	return nil, fmt.Errorf("Enable Banking transaction pagination exceeded limit")
+	return nil, &ProviderError{Detail: "its transaction pagination exceeded the supported page count"}
 }

internal/ratelimit/controller.go

@@ -57,7 +57,9 @@ func (r *RateLimitError) Error() string {
 	if r.unbounded {
 		return "provider rate limit (HTTP 429): retry time exceeds the supported range; automatic retry disabled"
 	}
-	return "provider rate limit (HTTP 429): retry allowed at " + r.next.UTC().Format(time.RFC3339Nano)
+	// Second precision: this message is read by operators, not machines. Use
+	// RetryAt for scheduling.
+	return "provider rate limit (HTTP 429): automatic retry at " + r.next.UTC().Format(time.RFC3339)
 }
 
 // RetryAt returns the earliest allowed retry time. Zero means the provider's

web/src/Accounts.tsx

@@ -11,7 +11,7 @@ import {
   Sparkles,
 } from "lucide-react";
 import type { Account, Institution, PreparedImport, State } from "./api";
-import { money, request } from "./api";
+import { localInstant, money, request } from "./api";
 import { Empty, ErrorMessage, Field, FormActions, Modal } from "./ui";
 import type { Mutate } from "./ui";
 interface Balance {
@@ -209,6 +209,8 @@ function backfillUnavailable(account: Account, state: State): string {
   const connection = state.connections.find((c) => c.account_id === account.id);
   if (connection?.status === "reconnect_required")
     return "Reconnect this account before importing older history.";
+  if (connection?.status === "rate_limited")
+    return `The bank is rate limiting this account until ${localInstant(connection.retry_at ?? "")}; import older history after that.`;
   if (
     !account.id ||
     !account.external_account_id ||
@@ -270,17 +272,19 @@ function AccountCard({
       {account.iban && <small className="account-iban">{account.iban}</small>}
       <div className="connection-status">
         <span
-          className={`badge ${needsReconnect || connection?.status === "error" ? "connection-warning" : "neutral"}`}
+          className={`badge ${needsReconnect || connection?.status === "error" || connection?.status === "rate_limited" ? "connection-warning" : "neutral"}`}
         >
           {needsReconnect
             ? `${institution} needs reconnection`
-            : connection?.status === "connected"
-              ? "Bank connected"
-              : connection?.status === "error"
-                ? "Connection error"
-                : connection?.status === "local"
-                  ? "Local account"
-                  : "Connection status unavailable"}
+            : connection?.status === "rate_limited"
+              ? `${institution} rate limit until ${localInstant(connection.retry_at ?? "")}`
+              : connection?.status === "connected"
+                ? "Bank connected"
+                : connection?.status === "error"
+                  ? "Connection error"
+                  : connection?.status === "local"
+                    ? "Local account"
+                    : "Connection status unavailable"}
         </span>
         {connection?.valid_until && (
           <small>Authorization expires {connection.valid_until}</small>
@@ -291,7 +295,8 @@ function AccountCard({
             {connection.history_months === 1 ? "month" : "months"}
           </small>
         )}
-        {connection?.error && (
+        {/* A rate limit is already stated, in local time, by the badge above. */}
+        {connection?.error && connection.status !== "rate_limited" && (
           <small className="text-danger">{connection.error}</small>
         )}
         {connection && connection.status !== "local" && (

web/src/api.ts

@@ -70,9 +70,16 @@ export interface Connection {
   country: string;
   psu_type: string;
   history_months: number;
-  status: "local" | "connected" | "reconnect_required" | "error";
+  status:
+    | "local"
+    | "connected"
+    | "reconnect_required"
+    | "rate_limited"
+    | "error";
   valid_until: string;
   error: string;
+  // retry_at is set while the bank rate limits this connection.
+  retry_at?: string;
 }
 export interface Institution {
   name: string;
@@ -88,6 +95,9 @@ export interface State {
   connections: Connection[];
   status: {
     sync_error: string;
+    // sync_retry_at is set only when every failure is a bank rate limit that
+    // clears by itself.
+    sync_retry_at?: string;
     index_error: string;
     last_sync: string;
     banking_configured: boolean;
@@ -252,6 +262,24 @@ export function normalizeState(state: State): State {
   for (const session of state.sessions) session.accounts ??= [];
   return state;
 }
+// Retry deadlines are instants, not calendar days: show them in the viewer's
+// own time zone rather than the server's UTC string.
+export function localInstant(iso: string): string {
+  const at = new Date(iso);
+  if (!iso || Number.isNaN(at.getTime())) return iso;
+  const sameDay = at.toDateString() === new Date().toDateString();
+  return at.toLocaleString(
+    undefined,
+    sameDay
+      ? { hour: "2-digit", minute: "2-digit" }
+      : {
+          day: "2-digit",
+          month: "short",
+          hour: "2-digit",
+          minute: "2-digit",
+        },
+  );
+}
 export function money(value: string, currency: string): string {
   // Keep all financial values as decimal strings, including display formatting.
   const match = /^(-?)(\d+)(?:\.(\d+))?$/.exec(value);

web/src/main.tsx

@@ -17,7 +17,13 @@ import {
   CircleHelp,
 } from "lucide-react";
 import type { State } from "./api";
-import { APIError, emptyFilter, normalizeState, request } from "./api";
+import {
+  APIError,
+  emptyFilter,
+  localInstant,
+  normalizeState,
+  request,
+} from "./api";
 import { Overview } from "./Overview";
 import { Transactions } from "./Transactions";
 import { Registry } from "./Registry";
@@ -300,7 +306,9 @@ function App() {
                 <span>
                   {state.status.index_error
                     ? `Analytics needs attention: ${state.status.index_error}`
-                    : `Bank sync needs attention: ${state.status.sync_error}`}
+                    : state.status.sync_retry_at
+                      ? `Bank sync is waiting for your bank's rate limit and retries by itself after ${localInstant(state.status.sync_retry_at)} — ${state.status.sync_error}`
+                      : `Bank sync needs attention: ${state.status.sync_error}`}
                 </span>
                 <button
                   className="button subtle"