European bank sync for Actual Budget

Actual’s GoCardless guide reports that new Bank Account Data accounts stopped being accepted in July 2025, while existing accounts should continue working. Its Enable Banking guide now documents a separate, experimental integration that requires application credentials.

SimpleFIN is another supported connection method in Actual. Synci supplies supported European bank data through that protocol, so the SimpleFIN label in Actual does not restrict you to a North American data source.

Sources: Actual Budget: GoCardless setup and signup notice · Actual Budget: Enable Banking setup · Actual Budget: SimpleFIN setup

• Compare the three routes

1. 01

   Check your bank

   Find the bank in Synci’s directory and inspect the supported account types, history, and consent duration. Check that your Actual server supports SimpleFIN.

2. 02

   Connect and share accounts

   Authorize the bank in Synci, add the Actual Budget destination, and select the accounts you want to make available.

3. 03

   Use the SimpleFIN token in Actual

   Copy the Synci setup token into Actual’s SimpleFIN setup, then map each shared account to its budget account.

4. 04

   Run Bank Sync

   Actual retrieves data from Synci when you run Bank Sync. Review the imported transactions and reconcile the balance.

• Actual Budget destination and bank search
• Detailed setup comparison with Enable Banking

Keep the migration small at first: one account and one checked import. A working connection is only part of success; the budget should also contain the transactions you expect exactly once.

• Make a budget backup before changing bank-sync credentials.
• Record the last reconciled date and balance for each account.
• Map the new source to the intended existing budget accounts, rather than creating unwanted duplicates.
• Review the overlapping import period. Identifiers and descriptions can differ between providers.
• If you already use SimpleFIN, inspect Actual’s current credential model before replacing its token.

Synci refreshes from the bank according to your settings, plan, and upstream limits. Actual then pulls the data available in Synci. Repeatedly pressing Bank Sync cannot force a bank to provide a newer balance or bypass its request limits.

Your first import is limited by the history the bank exposes and the destination’s supported range. Pending and booked records may also be handled differently by the source and app; reconcile after switching rather than assuming identical behavior.

• Synci refresh options