Provider guide

Enable Banking: direct access to bank data

Enable Banking provides APIs for building applications around European bank connectivity. It is relevant both to developers building their own product and to Actual Budget users considering its experimental Enable Banking integration.

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What does Enable Banking provide?

Enable Banking documents account information and payment initiation APIs for European bank integrations, with webhooks and an on-premises deployment option.

Sources: Enable Banking: developer documentation

How application setup works

  • Control Panel signup is self-service: the first email sign-in creates an account, using a one-time authentication link.
  • The quickstart begins with a Sandbox application and whitelisted redirect URLs. Registration generates a private key in your browser and downloads it in a file named after your application ID.
  • API requests use JWTs signed with the application’s private key using RS256.
  • The ASPSPs endpoint lists available banks by country, using a two-letter country code.

Sources: Enable Banking: application registration and API quickstart

How Actual Budget uses Enable Banking

Actual currently labels this integration experimental. Its setup instructions require a production application, an HTTPS callback URL, linked accounts in Enable Banking, an application ID, and a credential file configured in Actual. Check your Actual version and its experimental-feature instructions before starting.

Sources: Actual Budget: Enable Banking setup

When Enable Banking is the better fit

Choose a direct provider when control over the bank-data integration is central to what you are building. If you already maintain an Enable Banking application and its bank coverage suits you, keeping that path may be the simplest decision.

Choose Synci when the outcome you want is your data in ChatGPT, Claude, Actual Budget, YNAB, or another supported app. Synci manages its upstream connections and exposes selected accounts through its own destinations. This comparison does not imply that Synci uses Enable Banking as a provider.

Building an app for your users?

If you are building a consumer finance app, a managed connection flow is another option. Synci Managed apps connect your users’ bank and brokerage accounts through a Synci-hosted portal. Your users do not need a Synci account.

Register users from your backend through the Managed Users API and receive transactions and connection events by webhook. Managed apps are priced per active connection, with no provider application, AISP licence or bank integration work on your side.

Questions and answers

Do I need my own Enable Banking application to use Synci?
No. Synci’s managed bank connections and SimpleFIN destination use the Synci setup flow. They do not require you to configure an Enable Banking application.
Is Enable Banking in Actual Budget a stable feature?
As checked on 25 September 2026, Actual’s documentation marks it experimental and notes that functionality may differ by release. Follow Actual’s current documentation for your installed version.

Sources and verification

Checked on 25 September 2026. Provider details can change; follow the linked documentation for current setup requirements.

Synci is not affiliated with, endorsed by, or connected to Enable Banking. All product names and trademarks are the property of their respective owners.

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