Actual Budget bank sync for the UK, Europe and New Zealand

Yes, and it is the common case. Bank sync is part of Actual itself rather than a hosted add-on, so anything running the Actual server works: Docker on your own machine, a PikaPods instance, Fly.io, or Actual Cloud. Nothing needs to be reachable from the internet; Actual calls out to Synci when you run Bank Sync.

No. Synci is the SimpleFIN source. SimpleFIN Bridge covers US and Canadian banks, so for European and New Zealand accounts Synci takes its place rather than sitting behind it, and Actual only ever holds one setup token.

Actual’s documentation says GoCardless stopped accepting new Bank Account Data accounts in July 2025, while existing accounts should continue working. Synci uses Actual’s SimpleFIN support instead and does not require you to have your own GoCardless developer account.

Actual uses imported transaction identifiers to reconcile repeated imports from the same source. When changing providers, back up your budget and review overlapping history, account mapping, and pending versus booked records; identifiers can differ between sources.

Yes. Link every bank you want inside Synci and share the accounts you care about on the same SimpleFIN destination. Actual sees one connection with several accounts behind it, so there is nothing to repeat per bank.

Synci refreshes from your bank according to your plan and bank limits. Actual Budget then pulls available data through SimpleFIN when its import runs. Running an import does not force a fresh bank request.

Bank transactions, balances, and account updates. You control which accounts sync, and rules can transform data before it reaches Actual Budget.

Synci can retrieve pending transactions where the bank exposes them. What your app imports depends on its SimpleFIN support and your settings. Review pending and booked records when reconciling.

All 2,900+ European banks Synci supports can sync to Actual Budget. Use the search above to find your bank: each result links to a combo page with setup details.