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The SimpleFIN option for Europe & New Zealand
SimpleFIN Bridge is the hosted service that connects US and Canadian banks to apps speaking the open SimpleFIN protocol, such as Actual Budget. It does that job well, and if your accounts are in the US or Canada it's the right tool.
Synci solves the same problem for the other side of the Atlantic: it speaks the same SimpleFIN protocol that Actual Budget already understands, but connects banks in Europe and New Zealand through regulated open banking. Many households use both, one bridge per region, feeding the same budget.
| Synci | SimpleFIN Bridge | |
|---|---|---|
| Coverage | 2,900+ banks across 31 European countries and New Zealand | US and Canadian institutions |
| Works with Actual Budget | Yes, through Actual's built-in SimpleFIN bank sync (setup token) | Yes, through Actual's built-in SimpleFIN bank sync |
| Data access | Regulated open banking (PSD2 in the EU/UK, Akahu in NZ); read-only, credentials stay with your bank | Read-only via its aggregator partners |
| Refresh cadence | Synci refreshes from banks every 30 to 360 minutes depending on plan | Designed for daily updates; apps are expected to poll at most 24 times per day |
| History per request | Depends on the bank; many European banks expose 90+ days | Up to 90 days per request |
| Transaction rules | Rule engine transforms transactions before delivery: rename payees, move fields, fix odd bank data | No transformation features advertised |
| Other destinations | YNAB, Lunch Money, Google Sheets, Zapier, webhooks, MCP for AI assistants | Any SimpleFIN-compatible app (Actual Budget, Buckets, and others) |
| Pricing | From €3.99 per bank connection per month, or €39.90 per connection per year | $1.50/month or $15/year plus tax, up to 25 institutions |
When SimpleFIN Bridge is the right choice
If your banks are in the US or Canada, use SimpleFIN Bridge. It's inexpensive, purpose-built for North America, and part of an open ecosystem we're glad exists. Synci doesn't cover US or Canadian banks today.
When Synci is the right choice
If your banks are in Europe or New Zealand, SimpleFIN Bridge can't reach them, and Synci can. You connect your bank once through its own regulated open-banking login, paste your Synci setup token into Actual's SimpleFIN settings, and sync on demand. If your bank delivers data in a strange shape, Synci's rule engine lets you move, rewrite, and reformat fields before anything reaches Actual. Pending transactions are supported where your bank exposes them, and the same connection can also feed YNAB, Lunch Money, spreadsheets, and webhooks.
Read more about bank sync for Actual Budget in Europe & New Zealand or browse the full list of supported banks.
Competitor details were checked against their official pricing and documentation pages on 21 July 2026. If something is out of date, email support@synci.io and we'll correct it.
Synci is not affiliated with, endorsed by, or connected to SimpleFIN Bridge. All product names and trademarks are the property of their respective owners.