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[GH-ISSUE #5990] [Bug]: New bank linking: popup stays blank or shows 404; server returns 401 token-not-found for /gocardless/create-web-token despite valid GoCardless creds. Existing accounts still sync. #92189
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Reference: github-starred/actual#92189
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Originally created by @thorrrr on GitHub (Oct 23, 2025).
Original GitHub issue: https://github.com/actualbudget/actual/issues/5990
Environment
Actual Server: v25.10.0 (container actualbudget/actual-server)
Actual Client: v25.10.0
Host: Unraid 7.1.4
Reverse proxy: Caddy sidecar in front of Actual; headers injected only for HTML:
Cross-Origin-Opener-Policy: same-origin-allow-popups
Cross-Origin-Embedder-Policy removed
Cache-Control: no-store
Access path: Tailscale Serve (tailnet-only), HTTPS on :8456 to Caddy :8453, then to Actual on :5006
Also tested via Tailscale HTTP on :8457 bypassing TLS
DNS: MagicDNS; AdGuard on LAN
Clients: Linux (CachyOS), iOS/iPadOS; multiple browsers
What works
Existing linked accounts continue to sync (/sync/sync 200)
Caddy header injection verified locally (COOP same-origin-allow-popups, no COEP)
Container can reach GoCardless directly (Node https.get returns STATUS 302)
What fails
Clicking Link bank in browser opens about:blank and never navigates
Server log often shows only POST /gocardless/get-accounts 200, then nothing
Console and manual fetch from the same origin returns:
POST /gocardless/create-web-token -> 401
body: {"status":"error","reason":"unauthorized","details":"token-not-found"}
Sometimes, when the first call does succeed, later API calls hit:
https://bankaccountdata.gocardless.com/api/v2/requisitions/undefined/ -> 404
Repro steps
Open Actual at https:/redacted.ts.net:8456 (tailnet-only), server online.
Settings → Bank Sync → Save GoCardless Secret ID + Secret Key.
Go to an account, click Link bank in browser.
Popup remains white; no navigation; server logs don’t show requisition creation.
DevTools Console:
fetch('/gocardless/create-web-token', { method:'POST', credentials:'include' })
.then(r => r.json().then(body => ({status:r.status, body})))
→ returns {status: 401, body: {reason:'unauthorized', details:'token-not-found'}}
Expected
Server should return 200 with a web token and the popup should navigate to GoCardless.
Actual
Server responds 401 token-not-found on /gocardless/create-web-token even after saving GC credentials.
On some attempts, server later calls requisitions/undefined (404), i.e. no requisition id was produced.
Diagnostics
Local header check on proxy:
HTTP/1.1 200 OK
Cache-Control: no-store
Cross-Origin-Opener-Policy: same-origin-allow-popups
Tailnet endpoints exist (unauthenticated curl shows expected 401):
curl -i -X POST https://…:8456/gocardless/create-web-token -> 401 token-not-found
curl -i -X POST http://…:8457/gocardless/create-web-token -> 401 token-not-found
Inside container:
getent ahosts bankaccountdata.gocardless.com -> A records only
node https.get('https://bankaccountdata.gocardless.com') -> STATUS 302
Workarounds tried
Removed COEP and set COOP via Cloudflare transforms earlier; switched away from Cloudflare to Tailscale + Caddy sidecar.
Cleared service workers and site data for the 8456 origin; tested multiple browsers and devices.
Rotated GoCardless creds in GC dashboard and re-saved in Actual UI multiple times.
Added explicit upstream headers in Caddy so X-Forwarded-Proto=https, X-Forwarded-Port=8456, Host/X-Forwarded-Host are correct.
Hypothesis
The server is not persisting or loading the newly saved GoCardless credentials on this instance, so /gocardless/create-web-token returns 401 token-not-found. Existing accounts continue syncing using pre-existing access tokens, which masks the underlying config problem. On occasions when web-token succeeds, an additional bug yields requisitions/undefined (404), likely from a bad absolute URL or missing id.
Ask
How can we conclusively reset and re-seed GoCardless credentials on the server (via API or documented CLI), and can we add better logging around /gocardless/create-web-token to distinguish “no credentials configured” from other failures?
Is there a known condition in 25.10 where saving Bank Sync creds does not take effect until a restart (or at all) when behind a reverse proxy?
Attachments available
Server logs filtered around link attempts
Caddyfile block used for Actual
Console screenshot showing 401 token-not-found and “Request failed with status code 404”
@thorrrr commented on GitHub (Nov 2, 2025):
Internal issue with GoCardless