diff --git a/.github/workflows/update-vrt.yml b/.github/workflows/update-vrt.yml
index 8d46128758e..7fc6e8260a8 100644
--- a/.github/workflows/update-vrt.yml
+++ b/.github/workflows/update-vrt.yml
@@ -43,6 +43,9 @@ jobs:
           E2E_START_URL: ${{ steps.netlify.outputs.url }}
       - name: Create patch
         run: |
+          git config --system --add safe.directory "*"
+          git config --global user.name "github-actions[bot]"
+          git config --global user.email "github-actions[bot]@users.noreply.github.com"
           git reset
           git add "**/*.png"
           if git diff --staged --quiet; then
@@ -77,10 +80,9 @@ jobs:
           name: patch
       - name: Apply patch and push
         run: |
-          git apply Update-VRT.patch
-          git config --system --add safe.directory "*"
           git config --global user.name "github-actions[bot]"
           git config --global user.email "github-actions[bot]@users.noreply.github.com"
+          git apply Update-VRT.patch
           git add "**/*.png"
           if git diff --staged --quiet; then
             echo "No changes to commit"
diff --git a/packages/desktop-client/src/components/modals/GoCardlessExternalMsgModal.tsx b/packages/desktop-client/src/components/modals/GoCardlessExternalMsgModal.tsx
index 37d4913f224..d2b3730d5a9 100644
--- a/packages/desktop-client/src/components/modals/GoCardlessExternalMsgModal.tsx
+++ b/packages/desktop-client/src/components/modals/GoCardlessExternalMsgModal.tsx
@@ -42,7 +42,7 @@ function useAvailableBanks(country: string) {
 
       const { data, error } = await sendCatch('gocardless-get-banks', country);
 
-      if (error) {
+      if (error || !Array.isArray(data)) {
         setIsError(true);
         setBanks([]);
       } else {
diff --git a/upcoming-release-notes/3793.md b/upcoming-release-notes/3793.md
new file mode 100644
index 00000000000..ee9ad3ea9d0
--- /dev/null
+++ b/upcoming-release-notes/3793.md
@@ -0,0 +1,6 @@
+---
+category: Bugfix
+authors: [thraizz]
+---
+
+Handle unexpected response from GoCardless when getting banks.