diff --git a/components/payments/internal/app/connectors/bankingcircle/client/auth.go b/components/payments/internal/app/connectors/bankingcircle/client/auth.go
index 6f900d1f70..694e642fee 100644
--- a/components/payments/internal/app/connectors/bankingcircle/client/auth.go
+++ b/components/payments/internal/app/connectors/bankingcircle/client/auth.go
@@ -76,6 +76,10 @@ func (c *Client) login(ctx context.Context) error {
 }
 
 func (c *Client) ensureAccessTokenIsValid(ctx context.Context) error {
+	if c.accessToken == "" {
+		return c.login(ctx)
+	}
+
 	if c.accessTokenExpiresAt.After(time.Now().Add(5 * time.Second)) {
 		return nil
 	}
diff --git a/components/payments/internal/app/connectors/bankingcircle/client/client.go b/components/payments/internal/app/connectors/bankingcircle/client/client.go
index f65dbe32c4..b3d4f82aef 100644
--- a/components/payments/internal/app/connectors/bankingcircle/client/client.go
+++ b/components/payments/internal/app/connectors/bankingcircle/client/client.go
@@ -1,7 +1,6 @@
 package client
 
 import (
-	"context"
 	"crypto/tls"
 	"net/http"
 	"time"
@@ -63,9 +62,5 @@ func NewClient(
 		logger: logger,
 	}
 
-	if err := c.login(context.TODO()); err != nil {
-		return nil, err
-	}
-
 	return c, nil
 }