If one of your business bank accounts isn't showing, it's likely because the financial institution where you hold that account is not currently participating in Experian's CATO scheme. Capitalise can only display the data that Experian receives from participating institutions. Additionally, the CAIS scheme governs the visibility of credit card and credit account data, which also depends on the participation of financial institutions.
It is not possible for you to directly add a missing bank account to your Experian credit profile through Capitalise. The bank account information displayed on your Capitalise credit profile is sourced directly from Experian, primarily through the Current Account Turnover (CATO) scheme. This scheme relies on financial institutions (banks) to report account data to Experian. Users cannot manually add, remove, or amend this information.
Unlike Open Banking, where you can grant direct access to your account data, the CATO scheme (for current accounts) and the CAIS scheme (for credit accounts) operate on a provider-driven model. This means that only the bank or financial institution holding your account can contribute this information to Experian. When multiple accounts are linked to your business profile, it reflects Experian-identified banking relationships, which are displayed in the Cash and Capital (CATO) section. This does not necessarily mean all accounts are active.
What actions can you consider?
Enquire with your bank: you could consider contacting your bank directly to enquire if they participate in Experian's CATO scheme. If they don't, you could express your interest in them doing so, although their decision to join is ultimately theirs.
Switch to a participating provider: If having a comprehensive view of your bank account data on your credit profile is important to your business, consider switching to a bank or financial institution that participates in the CATO or CAIS schemes.
In short: you cannot manually add a missing bank account to your Capitalise credit profile. The reporting of this data is solely managed by the financial institution through Experian's CATO scheme. Capitalise does not provide a comprehensive list of all bank accounts linked to your company number; it only displays accounts reported to Experian through data-sharing schemes. If an account is missing, it's because your bank is likely not a participant in this data-sharing initiative.