Capital One
Bank
Actual Budget
Budgeting app
Connect Capital One to Actual Budget
Sync your transactions and balances to Actual Budget through its built-in SimpleFIN bank sync.
Features
Everything, end to end.
From
Capital One
- Sync scheduleEvery 60 to 360 min
- Pending transactionsSupported
- Credit card accountsSupported
- History on first syncUp to 180 days
- Bank login renewalEvery 90 days
To
Actual Budget
- Works with any hosted Actual server, including self-hosted and PikaPods
- Syncs through the SimpleFIN bank sync built into Actual, no scripts or browser extensions needed
- Run Bank Sync in Actual whenever you want fresh data
- Customize payees and descriptions with bank account rules
- Secure, read-only access limited to the accounts you choose to share
Setup
How do you connect Capital One to Actual Budget?
Synci syncs new transactions and balances automatically, including pending transactions where the bank exposes them, and your first sync imports up to 180 days of history.
Connect securely
Log in through Capital One's own PSD2 flow. Synci never sees or stores your credentials.
Pick accounts
Choose which Capital One accounts you want to sync.
Link to Actual Budget
Paste your Synci setup token into Actual's SimpleFIN bank sync, then link the shared accounts.
Run bank sync in your app
Synci refreshes Capital One; Actual Budget retrieves the available data when your app runs its SimpleFIN import.
Pricing
Pay per connection.
Pick the plan that matches how often you want fresh data and how far back you need to look. All plans include a 14-day free trial.
Basic
Our entry pay-per-connection plan. Perfect for people with simple needs.
connections
€2.00/month
€23.99 billed yearly
14 days free, cancel anytime.
Includes:
- Unlimited accounts
- Unlimited destinations
- 2 rules per connection
- Bank sync every 6 hours
- 60-day data retention
- Not included:Priority support
AI assistants:
- 60 days of history for your AI assistant
- Not included:Merchant identification
- Not included:Transaction categorization
Pro
Depth for your AI assistants and budgeting tools: enrichment, up to two years of history & fast sync.
connections
€4.33/month
€51.99 billed yearly
14 days free, cancel anytime.
Includes:
- Unlimited accounts
- Unlimited destinations
- Unlimited rules
- Bank sync every 2 hours
- 730-day data retention
- Priority support
AI assistants:
- Up to 2 years of history for your AI assistant
- Merchant identification
- Transaction categorization
Business
Unlimited pay-as-you-go plan tailored to developers and businesses.
connections
Usage-based pricing
Bespoke agreement.
Includes:
- Unlimited accounts
- Unlimited destinations
- Unlimited rules
- Bank sync every 2 hours
- 730-day data retention
- Priority support
AI assistants:
- Up to 2 years of history for your AI assistant
- Merchant identification
- Transaction categorization
FAQ
Common questions
Synci refreshes Capital One according to your plan and the bank’s limits. Actual Budget pulls the available data through SimpleFIN when its bank sync runs. Importing again does not force the bank to refresh.
Capital One exposes pending transactions to Synci. What appears in Actual Budget depends on the app’s SimpleFIN importer and your settings. Review pending and booked records when reconciling.
When you first connect Capital One, Synci can import up to 180 days of transaction history into Actual Budget. From that point on, new transactions and balance changes are synced continuously.
Yes — Capital One credit card accounts can be connected and synced to Actual Budget alongside your regular accounts.
No. Synci connects to Capital One through regulated PSD2 APIs, which means authentication happens on Capital One's own login flow. Your bank login credentials are never shared with or stored by Synci.
Synci currently connects to Capital One through GoCardless, a regulated PSD2 data provider. Providers handle the technical connection to the bank — your login credentials stay between you and Capital One.