Accounts

Synci automatically retrieves your accounts through your financial connections. There is no limit to how many accounts a connection can hold; only the number of connections is limited by your subscription plan.

Formerly "bank accounts": Synci now supports investment and crypto accounts in addition to bank accounts, so these are collectively called financial accounts, or simply accounts.

Account types

Each account has a category that determines what data is available for it:

• Bank: Everyday checking and savings accounts. Provides transactions, balances, and account details such as IBAN and owner name.

• Investment: Brokerage and crypto-exchange accounts. Provides holdings (your positions), balances, and account activity such as trades, dividends, and transfers.

• Deposit: A cash sub-account held at a brokerage.

• Line of credit: A credit line held at a brokerage.

You can give any account a custom name, which Synci will use everywhere instead of the name assigned by your institution.

Data available for syncing

Synci fetches up to four types of data per account:

1. Account details: Updated automatically every 24 hours for active accounts.

2. Transactions: Synced every 30–1440 minutes (based on your sync settings and subscription plan) when automatic sync is enabled and the account is healthy. Investment accounts sync once per day, since brokerages typically make activity available with a one-day delay.

3. Balances: Updated at the same frequency as transactions, when balance syncing is enabled for the connection and the account.

4. Holdings: For investment accounts, your positions (symbol, quantity, market value), updated daily.

Syncing

Automatic sync

Enable Automatic sync in your account's Sync settings to have Synci retrieve data on a schedule. You can then consume it via the API or webhooks without needing to create transfer links.

Manual sync

You can trigger a sync at any time from the account page, choosing which data types to fetch and, for transactions, the date range. To protect against overuse, manual syncs of the same data type are rate-limited per account: every 30 minutes on plans with high-frequency sync, and every 6 hours otherwise.

Sync settings

Each account has its own Sync settings:

• Sync start date: How far back Synci fetches transactions for this account (bounded by the connection's Max History).

• Automatic sync: Turn scheduled syncing on or off.

• Sync frequency: How often automatic sync runs. The minimum interval depends on your subscription plan.

• Pending transactions: Choose whether pending (not yet booked) transactions are synced. See the Bank transactions article for how Synci handles a pending transaction becoming booked.

• Sync balances: Turn balance syncing on or off for this account.

If you haven't customized an account's settings, it inherits sensible defaults for its institution. You can reset an account's configuration back to those defaults at any time.

Health

Synci tracks the health of each account, independently of its connection:

• Healthy: The last sync succeeded. Polling happens at your configured frequency.

• Failing: A sync failed. Polling is reduced to once every 24 hours until the account recovers. After 3 consecutive failures we'll email you; a single successful sync restores the account to healthy automatically.

• Dead: 10 consecutive syncs have failed, and syncing stops. Renewing or reauthorizing the connection is usually required. You'll be notified by email.

When an account fails, the error message from the data provider is shown on the account page. Disabling an account also stops its syncing; re-enabling it restores it with a clean bill of health.

Enrichment (AI features)

Optionally, Synci can enrich your transactions with cleaned-up payee names, merchant logos, categories, and subscription detection. Enrichment is powered by specialized third-party enrichment providers, with data-privacy protections in place. It applies to bank accounts only, since investment activity arrives already structured and doesn't need it.

Advanced options

• Field mapping: Choose which raw transaction field Synci uses for the payee, description, and date shown on your transactions (and sent to destinations). The default Auto setting picks the best available field for your bank. See "Mapped fields" in the Bank transactions article.

• Duplicate filtering: For specific use cases, you can customize which transaction fields Synci uses to detect duplicates during syncing.

Your bank accounts are automatically fetched to Synci through your Bank connections. The following guide details how to create new bank connections: Adding bank accounts.

There is no limit to the number of bank accounts you can add to Synci, you are however limited to a certain number of bank connections depending on your plan.