Apps powered by SimpleFIN

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

Written By Matias

Last updated 5 days 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 a SimpleFIN connection in Synci

In Synci, open SimpleFIN Apps under Integrations in the sidebar. It's pinned there by default, and you can always find it on the All integrations page. Click New connection.
App is already set to Other app supporting SimpleFIN. Optionally give the connection a name, then click Continue.
Under Select accounts, choose which accounts your app can pull. Leave All accounts on to share everything you have now, plus anything you connect later, or turn it off and select specific accounts. Then click Create connection.
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. You can close the dialog at any point: the token stays on the connection's page until your app uses it. If it expires before you get to it, click Regenerate token on the connection's page (regenerating replaces the old token). Once your app has used the token, it can't be regenerated.

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 where your app asks for a SimpleFIN token, and continue.
Your app lists the accounts you shared. 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. In Synci, the connection's page shows when your app last pulled data.

Good to know

One connection per app. A setup token works only once, so every app needs its own connection and token. Create a separate connection in Synci for each app you want to connect, each with its own account selection.
Reaches institutions other providers don't. Synci covers European banks (through GoCardless) and New Zealand banks (through Akahu), plus brokerages and crypto exchanges (through SnapTrade).
How much history you get. When your app asks without a start date, Synci sends the last 90 days of transactions. When it asks for an earlier start date, Synci sends up to 730 days. Either way, you only get what Synci still holds, which depends on your data retention setting and the account's sync start date. For older history, do a one-time CSV import in your app (for example, a statement export from your bank); sync takes over from there.
Customizing how transactions look. To change payees or clean up descriptions, use Synci rules. A Change my data in Synci rule saves its changes to your transactions, so they flow into your app automatically. An Only on the way out rule attached to the account (an output rule) reshapes what your app receives, or leaves transactions out, without changing your data in Synci. It applies to everything the account sends, so destinations, webhooks and other apps get the same changes. See Creating rules to get started.
Changing which accounts are shared. Change the selection any time on the connection's Settings tab, under Accounts; 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 share it again in Synci.
Pausing access. Click Disable on the connection's page to stop your app from pulling data without revoking it. Its syncs fail until you click Enable again. This is separate from revoking, which is permanent (see below).

Security and revoking access

The connection is read-only and limited to the accounts you share with it: it can only fetch account data and nothing else in your Synci account. If you left All accounts on, that scope includes accounts you connect in the future.

You can revoke access at any time: open the connection in Synci and click Revoke. Your app's next sync will then report that the connection is no longer valid. Revoking can't be undone, so to reconnect later, create a new SimpleFIN connection and link your accounts again. If you only want to pause access for a while, use Disable instead.

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 connection is disabled, or was revoked or deleted, in Synci. If it's disabled, click Enable on the connection's page. Otherwise, create a new SimpleFIN connection 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 changed the shared accounts	That account is no longer shared from Synci. Unlink it in your app, or share it again in the connection's settings in Synci.
The setup token is rejected when you paste it	The token was already used (by this app or another one), expired (7 days), or replaced by a regenerated one. Copy the current token from the connection's page in Synci, or click Regenerate token there if it expired. A token that was already used can't be regenerated, so create a new connection instead.
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.

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