Synci is a comprehensive integration platform for personal banking data. As stated on our landing page, Synci lets you fetch, transform, and transfer your personal banking data - anywhere.

Put simply, with Synci you can connect your bank accounts to various destinations like YNAB, Lunch Money, Zapier, or any application with API or webhook support.

Core concepts

A brief overview of the core concepts that make up the Synci platform.

Bank accounts

We have partnered with GoCardless for bank connectivity, which lets you securely add your Bank accounts to Synci (with read-only access) through the banks’ very own PSD2 APIs. We will never need (or want) your banking credentials. You can see a full list of our supported banks here.

Destinations

Destinations are where we transfer your bank transactions to. You can see a full list of supported destinations here. If you have set up YNAB as a destination, you can create a transfer link between your bank account and YNAB budget account.

Adding destinations

Transfer links

Transfer links are how you connect your bank account(s) to destinations. Once a transfer link has been set up, Synci will automatically transfer new transactions to your destination as soon as they become available. You can create as many transfer links as you like, which means a single bank account can be linked to multiple destinations.

Rules

With our easy to use rule engine, you can automatically transform your transaction data to suit your needs. Does your bank put important information in an obscure field? Fix it yourself, in minutes. Rules can be attached to bank accounts or transfer links.

Creating rules

Rule configuration

Some history

Synci began as a YNAB-only integration, providing connectivity to European banks not natively supported by YNAB. The project was initially meant to be private, solving my own pain of having to manually enter bank transactions to keep my budget up to date. It was boring work, and it didn’t take long before my budget fell so far behind I couldn’t be bothered to catch up. As a result, Synci was born.

After a couple years, we realized keeping Synci as a YNAB-exclusive integration simply wasn’t feasible. It’s a niche market, consisting exclusively of European YNAB users who are willing to grant a third party access to their banking data, and also willing to pay for another subscription. This market, while niche, is actually larger than we thought. For a solo bootstrapped passion project, it was large enough to keep the lights on (alongside my full-time job as a product manager). But, growth was slow, and in 2025 we felt like we had plateaued. Especially after YNAB switched to Plaid as their main bank account data provider, broadening their connectivity in Europe and eating up a small chunk of our customer base.

So, we had 3 options going forward.

1. Shut down Synci, and focus on other projects.

2. Keep Synci as is, and pray that YNAB won’t make it redundant for more users.

3. Expand to a wider market.

We went with option 3, and set a new vision: “Own your banking data: Synci lets you fetch, transform, and transfer your personal banking data - anywhere“. In early 2025, we began working towards this vision. The existing tech stack was good enough for a “simple” YNAB-exclusive integration, but our new vision required a major overhaul of the entire platform. So we decided to rebuild Synci from the ground up with a more robust and scalable architecture, while preserving the good parts and key differentiators. The backend, the user interface, the support system, everything, was being rebuilt. This work took a whole year before we were ready to soft-launch “the new Synci” in an open beta.

The end result is the Synci you see today. We hope you’ll like it.