Enable Banking or Synci for Actual Budget?
Actual Budget’s native Enable Banking integration uses your own provider application and credentials. Synci supplies a managed connection through Actual’s SimpleFIN support. Choose between them based on your banks, your Actual version and how much application setup you want to maintain.
By Synci · Last verified
What changes in the setup
| Step | Actual with Enable Banking | Actual with Synci |
|---|---|---|
| Create the connection | Register a production application with Enable Banking | Connect a supported bank in Synci |
| Configure access | Set the HTTPS callback and link accounts | Select accounts for the Synci Actual Budget / SimpleFIN destination |
| Give Actual credentials | Enter the application ID and upload the credential file | Paste a one-time SimpleFIN setup token |
| Link budget accounts | Select the Enable Banking source in Actual | Select the SimpleFIN source in Actual |
| Status to consider | Actual documents this as experimental | Uses Actual’s existing SimpleFIN support |
Sources: Actual Budget: Enable Banking setup · Actual Budget: SimpleFIN setup
Choose your next step
What this does not change
- Synci refreshes from the bank on its own schedule, subject to bank limits. Actual retrieves that data when you run Bank Sync.
- History, pending transactions, and card accounts depend on the bank and on what the destination can import.
- SimpleFIN is a protocol; you do not also need a SimpleFIN Bridge subscription for the accounts supplied by Synci.
- If Actual already uses another SimpleFIN source, review your existing setup before replacing its credentials. Do not assume it accepts several setup tokens side by side.
When to keep Enable Banking
Keep the native Enable Banking route if it supports your banks, works with your Actual version, and you are comfortable managing the application and credentials. Synci is an option for reducing that setup work or reusing a connection with other destinations, not a requirement for using Actual Budget.
Questions and answers
- Does Synci push transactions into my Actual server?
- No. Synci refreshes the bank data it holds; Actual pulls the available data through SimpleFIN when you run Bank Sync. Your Actual server does not need an inbound connection from Synci.
- Will changing provider preserve my budget history?
- Do not assume an automatic migration. Back up the budget, link to the intended existing accounts, and review overlapping history and identifiers after importing. Keep your old connection until you have checked the new result.
Sources and verification
Checked on 25 September 2026. Provider details can change; follow the linked documentation for current setup requirements.
Synci is not affiliated with, endorsed by, or connected to Enable Banking. All product names and trademarks are the property of their respective owners.
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