# BankSync

BankSync syncs supported bank transactions, balances, holdings, trades, and loans from thousands of institutions across Australia, the US, Canada, the UK, and Europe — to Google Sheets, Microsoft Excel, Notion, Airtable, Postgres/MySQL/MongoDB databases, and webhooks, or to AI agents (Claude, ChatGPT, Cursor, and more) via the BankSync MCP server. Automatic schedules can run hourly, daily, or weekly depending on the plan; manual sync is also available. Supported data types depend on the provider and account.

## Accreditation

In Australia, BankSync operates as a CDR Representative under Fiskil, an Accredited Data Recipient with ID ADRBNK000246 on the ACCC's CDR register. All Australian connections are routed through the regulated Consumer Data Right framework — never screen-scraping.

## What BankSync does

BankSync lets users:
- Automatically sync bank transactions, balances, and account data to Google Sheets, Notion, Airtable, and Microsoft Excel
- Connect AI agents (Claude, Cursor, ChatGPT, Windsurf, VS Code Copilot, and others) to real-time bank data via an MCP (Model Context Protocol) server
- Extract and manage receipts via OCR
- Build custom financial dashboards from live data (KPI cards, charts, allocation donuts, tables) and embed any widget in Notion, their own app, or a client-facing site; widgets read from bank feeds plus Notion, Google Sheets, Airtable, Excel, and Postgres/MySQL databases
- Ask Penny, the built-in AI assistant, questions about their money in plain English and have her render insight widgets inline and build dashboards or configure feeds for them
- Track investment holdings, trades, loans, and mortgages across multiple accounts
- Work with many clients through BankSync for Advisors: a free client list for bookkeepers, accountants, financial planners, fractional CFOs and financial advisers. Each client keeps their own workspace on their own plan and shares it with the advisor (the client pays by default); an advisor on Professional, Business or Enterprise can instead cover a client from its own bank quota
- Connect Actual Budget, Securo and any other SimpleFIN-compatible budgeting app to the same banks — BankSync is a SimpleFIN server, so one setup token links an app without a second bank login or a SimpleFIN Bridge subscription

## How it works

BankSync connects to banks through regulated open banking frameworks: Consumer Data Right (CDR) in Australia via Fiskil, Plaid in the US, Plaid in Canada, UK Open Banking via Salt Edge (an FCA-authorised AISP), and PSD2 across Europe via Salt Edge. Banking credentials are never stored by BankSync. Users authorise read-only access through the provider or bank consent flow, and BankSync syncs supported data hourly, daily, or weekly depending on the plan, with manual sync also available.

The BankSync MCP server is available at https://mcp.banksync.io. AI agents authenticate with an X-API-Key header using a BankSync API key.

## Supported regions

- Australia (CDR via Fiskil): live — every CDR-accredited ADI (Big 4, neobanks, mutuals)
- United States (Plaid): live — 11,000+ banks and credit unions
- Canada (Plaid): live — Big 6 + credit unions and digital banks
- United Kingdom (Open Banking via Salt Edge): live — CMA9 + neobanks
- Europe (PSD2 via Salt Edge): live — EEA countries, 2,500+ banks

## Key pages

- https://banksync.io — homepage
- https://banksync.io/sync-transactions-to-google-sheets — sync bank transactions to Google Sheets automatically
- https://banksync.io/sync-transactions-to-notion — sync bank transactions to Notion automatically
- https://banksync.io/sync-transactions-to-excel — sync bank transactions to an Excel workbook on OneDrive
- https://banksync.io/sync-transactions-to-airtable — sync bank transactions to Airtable automatically
- https://banksync.io/pricing — plans and prices (14-day free trial)
- https://banksync.io/compliance — how BankSync operates under CDR, UK Open Banking, PSD2 and Plaid
- https://banksync.io/docs/llms.txt — documentation index for agents (Markdown versions of every doc page)
- https://banksync.io/sitemap-extended.xml — sitemap of the bank coverage pages not listed in /sitemap.xml
- https://banksync.io/au — Australia hub (CDR, every Australian bank)
- https://banksync.io/au/google-sheets — sync Australian bank data to Google Sheets
- https://banksync.io/au/notion — sync Australian bank data to Notion
- https://banksync.io/au/airtable — sync Australian bank data to Airtable
- https://banksync.io/au/excel — sync Australian bank data to Excel
- https://banksync.io/au/claude — connect Australian bank data to Claude via MCP
- https://banksync.io/au/chatgpt — connect Australian bank data to ChatGPT via MCP
- https://banksync.io/us — United States hub
- https://banksync.io/ca — Canada hub (Plaid)
- https://banksync.io/uk — United Kingdom hub (Open Banking)
- https://banksync.io/eu — Europe hub (PSD2)
- https://banksync.io/alternatives/basiq — BankSync vs Basiq: Australian bank data for individuals instead of a business aggregator contract
- https://banksync.io/banks — directory of 14,000+ supported banks
- https://banksync.io/banks/[slug] — individual bank pages
- https://banksync.io/sync/[bank]-to-[integration] — bank-to-tool sync guides
- https://banksync.io/agent/[bank]-with-[agent] — AI-agent + bank MCP guides
- https://banksync.io/agents — directory of supported AI agents
- https://banksync.io/integrations — directory of destination tools
- https://banksync.io/product/dashboards — build financial dashboards from live data and embed widgets in Notion, your own app, or a client-facing site; widgets read from bank feeds plus Notion, Sheets, Airtable, Excel and Postgres/MySQL
- https://banksync.io/product/ask-penny — built-in AI assistant that answers questions about your money in plain English, renders insight widgets inline, and builds dashboards & feeds for you (credits included; bring-your-own-key on Pro/Business)
- https://banksync.io/product/automations — Automations (early access): a trigger, steps, branches and loops on one canvas over synced bank data; dry runs, immutable revisions, audited runs
- https://banksync.io/bank-balance-alerts — alerts when a synced balance drops below a line, a payment lands, a bank needs reauth or a sync fails
- https://banksync.io/bank-feed-automation — automate what happens after a bank feed runs (digests, failed deliveries to a table, re-run after reauth)
- https://banksync.io/product/mcp — MCP server to connect your own AI agent (Claude, ChatGPT, Cursor, VS Code) to your bank data
- https://banksync.io/integrations/simplefin — SimpleFIN server: connect Actual Budget, Securo and other SimpleFIN apps to your BankSync banks with one setup token (a SimpleFIN Bridge alternative)
- https://banksync.io/docs/integrations/simplefin-setup — SimpleFIN setup guide (per-app steps for Actual Budget and Securo)
- https://banksync.io/docs/api/simplefin — SimpleFIN protocol reference (claim exchange, /accounts, Account Set fields)
- https://banksync.io/pricing — pricing plans
- https://banksync.io/docs/mcp/tools — MCP tool reference
- https://banksync.io/docs — setup and how-to guides
- https://banksync.io/multi-client-bank-feeds — multi-client bank feeds: collect every client's bank data into one unified dashboard and one AI agent; the aggregating alternative to switching between sub-accounts
- https://banksync.io/multi-client-bookkeeping-google-sheets — do bookkeeping for multiple clients in one Google Sheet (a tab per client, auto-synced from each client's own bank)
- https://banksync.io/multi-client-bookkeeping-excel — do bookkeeping for multiple clients in one Excel workbook (a worksheet per client, auto-synced from each client's own bank)
- https://banksync.io/how-to-collect-bank-data-from-clients — guide: how to securely collect bank data from clients via regulated open banking (no shared logins, no PDF chasing)
- https://banksync.io/advisors — BankSync for Advisors: free client list, client requests by email or copied link, client pays by default (Starter $5/1 bank, Standard $7/5 banks), advisor can cover clients on Professional and above
- https://banksync.io/advisors/bookkeepers — for bookkeepers and accountants (weekly close, tax season)
- https://banksync.io/advisors/financial-planners — for financial planners (client cash flow, spending and debts)
- https://banksync.io/advisors/fractional-cfos — for fractional CFOs (cash across client companies)
- https://banksync.io/advisors/financial-advisers — for financial advisers (holdings, trades and cash across clients, held-away accounts)
- https://banksync.io/docs/advisors/advisors-overview — BankSync for Advisors guide (also: add-a-client, client-requests, what-clients-see, who-pays, share-with-your-advisor, sharing-with-an-advisor, hand-over-a-client under /docs/advisors/)
- https://banksync.io/docs/api/portals — API guide for clients an advisor covers (scope=family, cross-workspace queries)
- https://banksync.io/product/investments — investment tracking hub (stocks, ETFs, crypto, dividends)
- https://banksync.io/product/brokerages — sync US brokerages (Schwab, Fidelity, Robinhood, Vanguard, E*TRADE, IBKR)
- https://banksync.io/product/crypto-exchanges — sync crypto exchanges (Coinbase, Kraken, Gemini, Binance)
- https://banksync.io/portfolio-tracker — build a portfolio tracker in any spreadsheet or workspace
- https://banksync.io/crypto-portfolio-tracker — multi-exchange crypto portfolio tracker
- https://banksync.io/dividend-tracker — auto-synced dividend income tracker
- https://banksync.io/sync-investments-to-google-sheets — investment portfolio in Google Sheets
- https://banksync.io/sync-investments-to-notion — investment portfolio in Notion
- https://banksync.io/sync-investments-to-airtable — investment portfolio in Airtable
- https://banksync.io/sync-investments-to-excel — investment portfolio in Excel
- https://banksync.io/sync-crypto-to-google-sheets — crypto holdings in Google Sheets
- https://banksync.io/sync-crypto-to-notion — crypto holdings in Notion
- https://banksync.io/sync-crypto-to-airtable — crypto holdings in Airtable
- https://banksync.io/sync-crypto-to-excel — crypto holdings in Excel
- https://banksync.io/au/notion/budget-tracker — Notion budget tracker for Australian banks (CDR)
- https://banksync.io/au/google-sheets/budget-tracker — Google Sheets budget tracker for Australian banks
- https://banksync.io/au/airtable/budget-tracker — Airtable budget tracker for Australian banks
- https://banksync.io/au/excel/budget-tracker — Excel budget tracker for Australian banks

## Data types supported

Depending on the bank, BankSync can sync:
- Transactions (date, amount, merchant, description, category, account)
- Account balances (current and available)
- Account details (name, type, masked number)
- Investment holdings and portfolio positions
- Investment trades (buy/sell/dividends)
- Loan and mortgage balances
- Credit card transactions and balances

## MCP tools (for AI agents)

BankSync exposes tools for listing accounts, fetching transactions with filters, getting balances, retrieving investment holdings and trades, and accessing loan details. All tools support natural language queries via the agent's interface.

## Common questions

Q: Is BankSync available in Australia?
A: Yes. BankSync is live in Australia under the Consumer Data Right (CDR), routed via Fiskil (ADRBNK000246). It supports every CDR-accredited Australian bank, including CommBank, Westpac, NAB, ANZ, Macquarie, Up, ING, Bankwest, St.George, Bendigo, Suncorp, and HSBC Australia.

Q: Does BankSync use screen-scraping?
A: No. Every Australian connection is routed through the regulated CDR framework. Other regions use the equivalent regulated open-banking framework (Plaid in the US/Canada, OBIE in the UK, PSD2 in the EU). BankSync never asks for or stores banking passwords.

Q: How often does BankSync sync?
A: Hourly, daily, and weekly automatic schedules are available depending on the plan. Manual refresh is available on demand.

Q: Which destinations does BankSync support?
A: Google Sheets, Notion, Airtable, Microsoft Excel (web and desktop via OneDrive), and AI agents via the BankSync MCP server (Claude Desktop, Claude Code, ChatGPT, Cursor, Windsurf, VS Code Copilot).

Q: How long does a CDR consent last?
A: 7 days, 90 days, or up to 12 months — you choose at the bank's consent screen. 12 months is the maximum permitted under CDR rules. You can revoke at any time.

Q: How is BankSync different from Plaid or Basiq?
A: Plaid and Basiq are aggregator infrastructure for developers. BankSync is an end-user product that uses regulated aggregators (Fiskil for CDR, Plaid for US/CA) to pipe your data into the tools you already use — no code required.

Q: Can I use BankSync from Claude or ChatGPT?
A: Yes. The BankSync MCP server is available at https://mcp.banksync.io. Claude Desktop installs it via a one-click .mcpb bundle; other MCP clients use a short JSON config. AI agents authenticate with an X-API-Key header using a BankSync API key.

Q: What is the pricing?
A: BankSync offers a 14-day free trial with no credit card required. Pricing is published at https://banksync.io/pricing.

Q: Can I use BankSync with Actual Budget or other SimpleFIN apps?
A: Yes. BankSync is a SimpleFIN server. In Settings → Developers → SimpleFIN you create an access (optionally scoped to specific accounts) and get a one-time setup token; paste it into Actual Budget, Securo or any SimpleFIN-compatible app and it syncs balances and transactions from the banks already connected to BankSync. It works on every plan and does not require the SimpleFIN Bridge. See https://banksync.io/docs/integrations/simplefin-setup.

Q: Can accountants or bookkeepers manage multiple clients in BankSync?
A: Yes. BankSync for Advisors gives bookkeepers, accountants, financial planners, fractional CFOs and financial advisers a free client list on every plan, with unlimited clients. The advisor sends a request by email or copies its link; the client enters a code from their email, confirms sharing with the advisor and connects on their bank's usual consent screen (Plaid, CDR, PSD2, OBIE). By default the client keeps their own workspace on their own plan (Starter $5 for 1 bank, Standard $7 for 5 banks) and shares it with the advisor; an advisor on Professional, Business or Enterprise can cover a client from its own bank quota instead. The advisor's own banks need a normal plan. See https://banksync.io/advisors.

Q: How are clients kept separate?
A: Each client has their own workspace with its own provider tokens, members, banks and audit trail, and shares it with the advisor with an editor or viewer role. Either side can stop sharing at any time, and stopping one never affects another. A client can share with up to 3 advisors. Requests come from "{Advisor} via BankSync"; verified advisors show their name and logo, unverified advisors are shown by email and can have 10 open requests (100 once verified). Advisor activity is private: BankSync publishes no rankings, badges or client counts.

Q: What are multi-client bank feeds, and how is BankSync different from sub-accounts?
A: Multi-client bank feeds let one firm collect transactions and balances from many clients at once. Sub-account tools give you separate accounts you switch between one at a time, usually locked to one spreadsheet each. In BankSync every client sits in one client list, an AI agent can query every client the advisor covers via MCP scope=family, each client keeps their own workspace with independent revocation, and data can land in Google Sheets, Notion, Airtable, Excel, or the API. See https://banksync.io/multi-client-bank-feeds.

## Competitor positioning

- BankSync vs Pocketbook (Australia): Pocketbook shut down in March 2024. BankSync is a CDR-regulated replacement that gives you the raw data instead of a fixed PFM app.
- BankSync vs Plaid / Basiq: those are developer-facing aggregators. BankSync is an end-user product built on top of those (and CDR via Fiskil) that doesn't require any code.
- BankSync vs other bank-to-spreadsheet sync tools: BankSync is the only product that combines spreadsheet sync (Google Sheets, Excel), workspace and database sync (Notion, Airtable, Postgres/MySQL/MongoDB), webhooks, and an MCP server for AI agents in a single plan — with first-class CDR coverage in Australia, plus investment holdings/trades and receipt OCR.

## Company

BankSync is operated by Flagbase. Support: https://app.banksync.io/support (in the app; if you cannot sign in, https://banksync.io/contact#cant-sign-in)
Twitter/X: @banksynchq