Are you trying to connect your American Express corporate card to Business Central and getting error code fd45? Don’t worry. This is a common issue, and the fix is simple. In this guide, we show you exactly what causes the AMEX bank feed error fd45 in Business Central and how to solve it step by step.
What Is the AMEX Bank Feed Error fd45?
The AMEX bank feed error fd45 appears when you try to link an American Express account to Microsoft Dynamics 365 Business Central. During the OAuth redirect step, the system shows the following message:
“Your selected American Express account(s) information cannot be made available to Microsoft Business Central at this time… Code: fd45.”
This error blocks the connection completely. As a result, no transactions are imported into Business Central. The good news is that the solution is easier than you might expect.
What Causes the AMEX Bank Feed Error fd45 in Business Central?
We ran into this exact problem with one of our clients. After working with Microsoft Support and the bank feed aggregation provider, we discovered two key factors.
First, American Express had been migrated to Open Banking. This means the connection method changed on the provider side. However, this alone does not cause the error.
Second, and most importantly, the user was selecting the wrong option in the bank linking wizard. This was the real root cause of the AMEX bank feed error fd45.
The Wrong Option vs. the Right Option
When you search for American Express in Business Central, several entries appear. The user initially selected “American Express” — the standard option. This seems like the obvious choice, but it does not work for corporate cards.
The correct option for corporate accounts is “American Express Corporate Cards (@ Work).” This entry uses the Open Banking model and supports corporate card authentication properly.
That single change fixed the error completely.
Step-by-Step: How to Fix the AMEX Bank Feed Error fd45
Follow these steps to resolve the AMEX bank feed error fd45 in Business Central:
- Open Business Central and go to the Bank Account Linking page.
- Search for American Express in the list of available banks.
- Do not select “American Express.” Instead, choose “American Express Corporate Cards (@ Work).”
- Complete the OAuth authentication using your corporate card credentials.
- Verify that the connection is successful and transactions begin to import.
After making this change, the bank feed should link without any errors.
Extra Tips to Avoid Bank Feed Issues in Business Central
Here are some additional recommendations to prevent bank feed problems:
- Double-check the bank entry you select. Similar names often lead to completely different connection paths. Always confirm the exact option before proceeding.
- Ensure MFA is working. Log in to the bank website directly before attempting the link in Business Central. This confirms your credentials and MFA are active.
- Validate the Consumer Name. You can check this value directly from the Bank Account Linking setup page. An incorrect Consumer Name can cause empty connections.
- Open a support ticket if the error persists. If the “@ Work” option still does not resolve the issue, contact Microsoft Support. They can escalate to the aggregation provider for further investigation.
Conclusion
The AMEX bank feed error fd45 in Business Central is almost always caused by selecting the wrong American Express option during setup. By choosing “American Express Corporate Cards (@ Work)” instead of the standard entry, you can fix this issue in minutes.
We hope this guide helps you save time and frustration. If you have questions about Business Central bank feeds or integrations, feel free to contact me.