Bank sync for Liquid Budget in Europe & New Zealand

Yes. SimpleFIN is one of the three providers on its Bank Integration page, alongside Plaid and Lunch Flow. You paste a setup token and Liquid Budget handles the rest. Its docs call SimpleFIN an external provider, which means you supply the account behind the token; Synci is that account.

No. SimpleFIN Bridge is the US and Canada source at $1.50 a month, and it is what Liquid Budget's docs assume. For European and New Zealand accounts Synci takes its place rather than sitting behind it, and Liquid Budget only ever holds one token either way.

Lunch Flow is Liquid Budget's other external option and reaches UK and EU banks through GoCardless, so for many European accounts either route works. Synci arrives over SimpleFIN instead of its own API key, adds New Zealand, and can also share brokerage and crypto accounts on the same connection.

No, and that is Liquid Budget's design rather than a limit of Synci. Bank integration imports only transactions created after the connection is established, and the first batch can take up to three business days. Reconcile the account before linking it, then use the file import for anything older.

Yes. Providers coexist, every connection lands in the same External Accounts table, and each budget account links to exactly one external account. Running US accounts through Plaid and European ones through Synci in a single budget is a normal setup.

SimpleFIN connections allow a manual sync in Liquid Budget, though its docs suggest leaving it to the daily schedule so the connection is not rate-limited. Synci keeps fetching from your bank in the background either way, so a scheduled import still picks up whatever has arrived.

All 2,900+ institutions Synci supports across 32 countries in Europe and New Zealand, from the large retail banks to regional and challenger banks. Use the search above to check yours.

Every 30 to 360 minutes depending on your plan. SimpleFIN apps pull rather than receive, so Liquid Budget sees whatever Synci last fetched at the moment you run a sync.

No. Synci connects through regulated Open Banking APIs and authentication happens in your bank's own login flow. Neither Synci nor Liquid Budget ever sees your credentials.