Apps powered by SimpleFIN

Synci works as a SimpleFIN data source, so any SimpleFIN-compatible budgeting or finance app can pull your bank transactions and balances from Synci. It covers European banks (via GoCardless) and New Zealand banks (via Akahu), so you can use SimpleFIN with banks that other SimpleFIN providers don't reach.

Written By Matias

Last updated About 4 hours ago

Using Actual Budget? Follow the dedicated Actual Budget guide instead, which has app-specific steps. This article covers the general setup for any SimpleFIN app.

How it works

Synci gives your app a secure, read-only connection to the accounts you choose. Whenever your app runs its bank sync, it asks Synci for your latest transactions and balances and imports anything new. Synci never pushes to your app and can't see or change your budget: your app does the fetching, on your command, and you can revoke access from Synci at any time.

Before you start

A SimpleFIN-compatible app. Actual Budget, Buckets, and others support the SimpleFIN protocol. Check your app's docs for a "SimpleFIN" or "connect a bank" option.
A Synci account with at least one connected account (bank, investment/brokerage, or crypto). They all sync into your app as accounts.

Set it up

1. Create the SimpleFIN destination in Synci

In Synci, open Destinations and add SimpleFIN.
Choose which accounts to expose: share all accounts (everything you have now, plus anything you connect later) or select specific accounts.
Synci shows a one-time setup token. Copy it, you'll paste it into your app next.

The token is valid for 7 days and can be used once. If it expires before you get to it, regenerate it from the destination's page (regenerating replaces the old token).

2. Add the token in your app

In your app, find the option to connect a bank via SimpleFIN. Apps label this differently, often "Add account", "Link bank account", or "SimpleFIN".
Paste the setup token from Synci and continue.
Your app lists the accounts you exposed. Link each one to a new or existing account in your app.

3. Sync

Run your app's bank sync whenever you want fresh data. Your app imports new transactions and updated balances and matches them against what's already there, so re-syncing won't create duplicates.

Most SimpleFIN apps sync on demand rather than on a schedule, so run the sync when you want it.

Good to know

Works with any SimpleFIN-compatible app. The same setup token works across apps, and you can connect more than one.
Reaches banks other providers don't. Synci covers European (GoCardless) and New Zealand (Akahu) banks, filling the gap left by US and Canada focused SimpleFIN providers.
History goes back about 90 days. For older history, export a CSV from Synci and import it into your app once; sync takes over from there.
Customizing how transactions look. To change payees or clean up descriptions, use Synci's bank account rules. Their changes are saved to your transactions and flow into your app automatically.
Changing which accounts are shared. Edit the destination in Synci any time; changes apply on your app's next sync. If you stop sharing an account that's still linked, your app will show a connection error for it. Unlink it there, or re-add it in Synci.
Multiple destinations. One SimpleFIN destination per app is the simplest setup, but you can create as many as you like, each with its own token and account selection.

Security and revoking access

The connection is read-only and limited to the accounts the destination exposes: it can only fetch account data and nothing else in your Synci account. If you chose "share all accounts," that scope includes accounts you connect in the future.

You can revoke access at any time from the destination's page in Synci. Your app's next sync will then report that the connection is no longer valid. To reconnect later, create a new SimpleFIN destination and link your accounts again.

Troubleshooting

What you see in your app	What it means and how to fix it
The connection or access token is reported as invalid or expired	The destination was revoked or deleted in Synci. Create a new SimpleFIN destination and relink.
An account shows a connection error or "needs attention"	The underlying bank connection in Synci is failing. Reconnect that bank in Synci (usually by renewing consent), then sync again.
A linked account errors after you edited the destination	That account is no longer shared from Synci. Unlink it in your app, or re-add it to the destination in Synci.
The setup token is rejected when you paste it	The token was already used, expired (7 days), or regenerated. Copy a fresh token from the destination's page in Synci.
Your app can't save or sync its own data	That's a problem inside your app or its server, separate from the Synci connection. Check your app's own sync setup.

Still stuck? Contact support and we'll help you get connected.