Xero has informed me that there will be changes to the 90-day reauthentication rule for bank feeds soon. It is frustrating to need to do this every three months, so Xero (and others) asked the Financial Conduct Authority (FCA) to change the rules ...
The FCA has, in fact, changed its rules around Open Banking connections so the lobbying by the accounting software vendors has worked. Once fully implemented later this year, reauthentication will become a lot simpler.
Xero is working with its Open Banking provider to make these changes with the banks so they'll have a clearer idea of timelines soon. I'll let you know when it's ready to go so you'll have plenty of time to prepare for the new workflow.
Once Xero makes it available for your bank, I can help you with a handholding session over Zoom or Teams to help you make the changes you need to keep those bank feeds downloading into Xero.
If anything I've written here resonates with you, call me on 01604 420057 and let's see how we can help you.