Bank sync for Actual Budget in Europe & 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.

GoCardless stopped accepting new bank account data customers in July 2025, which closed the route most European Actual users had been using. Actual's SimpleFIN option was unaffected, and it is the one Synci plugs into.

No. Actual matches on the transaction identifiers SimpleFIN passes through, so a second sync reconciles what is already there. When your bank books a transaction that was pending, Actual updates it in place instead of adding a second copy.

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.

Every hour to every 6 hours, depending on your plan. Many banks cap how often they will answer, so accounts at those banks refresh less often. When new data is found at your bank, it is transferred to Actual Budget within minutes.

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

Where your bank supports pending transactions through PSD2, yes. When a pending transaction is booked by the bank, Synci automatically updates it in Actual Budget rather than creating a duplicate.

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.