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Institution-specific Issues

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Canada

Canadian bank connections are particularly prone to bank syncing issues today, as many of Canada’s major banks, including RBC, TD, Scotiabank, CIBC, Tangerine and others, are still operating on older authentication methods while awaiting final open banking and OAuth regulatory guidance (see Consumer-Driven Banking Act).

Lunch Money was intentionally built to accommodate the challenges of bank connectivity with a dedicated support team to actively escalate sync issues and keep users informed, in addition to a reliable CSV and PDF importer that allows you to effortlessly upload transactions and keep your budget clean and accurate. Our Developer API has also enabled expanded connectivity through solutions like Lunch Flow, a third-party solution built by a Lunch Money user, that let’s you connect to even more institutions for automatic transaction syncing, via Plaid alternatives such as MX and Finicity, including:

🏦 BMO Bank of Montreal (CA)

Latest update from Plaid ( September 2, 2026):

BMO recently migrated to a new online-banking authentication system. Following that change, BMO connections are able to log in, but data updates are currently failing for a broad set of BMO connections — this includes transaction history, balances/account details, and account & routing number (Auth) data. It's affecting both automatic (scheduled) refreshes and new connection setups, and it remains ongoing. Login itself is working; it's the data refresh that's impacted.

This is a known issue on our side, caused by BMO's change to how account data is served: the previous method of retrieving data no longer works, and supporting BMO's new data interface requires additional development from our engineering team. The team is aware and is tracking this as a priority.

Because the fix requires new development, we don't have an ETA to share yet, and we'll follow up as soon as we have an update.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Submit a support ticket: Please submit a support ticket so that we can reach out to Plaid to help show demand and so that we can notify you once Canadian Tire Bank is supported again.

  2. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  3. Check out Lunch Flow (paid): This is a third-party tool that supports BMO Bank of Montreal through an integration with MX & Finicity (Plaid alternatives). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow charges a subscription fee used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

🏦 Canadian Tire Bank (CA)

Latest update from Plaid ( August 28, 2026):

We are no longer able to support this institution with our existing integrations, and a new integration rebuild on our backend is required to re-enable support.

Our engineering team has reviewed the underlying issue, and identified that we will need to work directly with the financial institution in order to reach a resolution, since changes will be required within their systems. We have raised this issue to them in order to pursue a fix, and we will provide another update once the issue has been resolved.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Submit a support ticket: Please submit a support ticket so that we can reach out to Plaid to help show demand and so that we can notify you once Canadian Tire Bank is supported again.

  2. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  3. Check out Lunch Flow (paid): This is a third-party tool that supports Canadian Tire Bank through an integration with MX & Finicity (Plaid alternatives). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow charges a subscription fee used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

🏦 CIBC (CA)

Latest update from Plaid ( August 9, 2026):

Known Issue KI123004: Invalidated MFA with CIBC & Simplii Financial

An issue is occurring where Multi-Factor Authentication (MFA) will become invalidated shortly after the end-user’s initial Item creation. This issue is occurring with CIBC & Simplii Financial. This issue occurs with products that have background updates, such as transactions, investments, and liabilities and may impact new connections or background updates on existing items.

This issue will require collaboration with the financial institution or data partner to resolve. Plaid has reached out to them to move toward a resolution. Because this issue requires assistance from the financial institution, we do not have an estimated fix date.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Try reconnecting: Often, creating a brand new connection and merging with the existing accounts works well to pull in new transaction imports. You can follow the steps here.

  2. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  3. Check out Lunch Flow (paid): This is a third-party tool that supports CIBC through an integration with MX & Finicity (Plaid alternatives). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow charges a subscription fee used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

🏦 Coast Capital Savings

Latest update from Plaid ( September 10, 2026):

Issue KI537252: Migration in progress for Coast Capital Savings (MyCardInfo Credit Card)

Our team is currently migrating Coast Capital Savings (MyCardInfo Credit Card) to a new integration, which will address current issues. For this reason, our engineering team will not be fixing issues on the previous integration. Follow this known issue to be notified when the migration is completed.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Create a manually-managed account: You can create a manually managed account and use the CSV/PDF Import feature to quickly add your transactions in bulk. You can learn more here.

  2. Check out Lunch Flow (paid): This is a third-party tool that supports Coast Capital Savings through an integration with MX (Plaid alternative). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow charges a subscription fee used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

🏦 President's Choice Financial

Latest update from Plaid ( July 15, 2026):

Issue KI407194: Unexpected response from President's Choice Financial

There is an issue with our President’s Choice Financial institution. This issue may impact new connections or background updates on existing items. This issue will require collaboration with the financial institution or data partner to resolve. This issue impacts a relatively high number of users.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Try reconnecting: Often, creating a brand new connection and merging with the existing accounts works well to pull in new transaction imports. You can follow the steps here.

  2. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  3. Check out Lunch Flow (paid): This is a third-party tool that supports President's Choice Financial through an integration with MX (Plaid alternative). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow has a cost, which is used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

🏦 RBC Royal Bank (CA)

Last update ( September 10, 2026):

Users have been reporting more frequent relinking required for RBC Royal Bank (CA) compared to other institutions. If your accounts are showing the "Relink" status, please follow these steps to re-authorize access:

  1. Go to the Accounts page

  2. Click on an account to open the 'Edit Account' panel

  3. Click on the "Relink" button under the 'Status' section:

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

🏦 Tangerine (CA)

Users have been reporting more frequent relinking required for Tangerine (CA) compared to other institutions.

Latest update from Plaid ( September 5, 2026):

Issue KI122553: Invalidated MFA with Tangerine - Personal

An issue is occurring where Multi-Factor Authentication (MFA) will become invalidated shortly after the end-user’s initial Item creation, causing background data updates to fail, resulting in missing or stale data. This issue may impact new connections or background updates on existing items and any products that have background updates, such as transactions, investments, and liabilities.

Our engineering team has reviewed the underlying issue, and identified that we will need to work directly with the financial institution in order to reach a resolution, since changes will be required within their systems. We have raised this issue to them in order to pursue a fix, and we will provide another update once the issue has been resolved.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Relink: If your accounts are showing the "Relink" status, you can re-authorize access by opening the 'Edit Account' panel and clicking "Relink to Tangerine - Personal":

  1. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  2. Check out Lunch Flow (paid): This is a third-party tool that supports Tangerine through an integration with MX & Finicity (Plaid alternatives). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow has a cost, which is used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

A Lunch Money user (shout out to Masha!) has shared this technique in our community Discord for getting Tangerine to sync. They write the following:

I think I finally found a reliable way to force Tangerine to import transactions! Requires having 2 accounts. Ideally you don’t care much about the second one (in case something gets messed up). For me, the main one is Checking, and the burner one is Savings. From the Accounts screen:

  1. “Add or remove accounts from this bank.” - “Relink to Tangerine”.

  2. Click through Plaid screens with “Continue” and “Allow”.

  3. Enter one-time code.

  4. Uncheck Savings account.

  5. You will get a pop-up alert that Tangerine has lost the connection to the Savings account. Don’t close the window yet!

  6. From the same alert window, “Relink to Tangerine”.

  7. Click through Plaid’s Continue/Allow pages once again.

  8. Enter new one-time code.

  9. Make sure both accounts are checked.

  10. LM will detect a new account (Savings). Set earliest import date to today (or whenever it imported transactions last) and confirm you want to merge with an existing deactivated Savings account.

  11. This will trigger a pull for the latest transactions from Checking as well.

I believe this has to do with the fact that Tangerine will not release new transactions without entering a one-time code. It was the same way with Mint, refreshing the account prompted for a verification code. What does NOT work for transactions and at best updates the balance:

  • “Trigger refresh for this account” from the account’s screen.

  • “Refresh” button from the Transactions screen.

🏦 Wealthsimple (CA)

Latest update from Plaid ( August 28, 2026):

Issue KI787097: Wealthsimple (Canada)

We found that there a Wealthsimple workflow that our integration is not compatible with. Our engineering team is aware of this issue. We will follow up once we have more information on the prioritization of this issue or when it is resolved.

Plaid highly prioritizes fixes based on user impact, so user reports are an integral part of the resolution process. If you are experiencing sync issues, please open an in-app bank syncing support ticket. You can do so by clicking here.

What can I do in the meantime?

  1. Try reconnecting: Often, creating a brand new connection and merging with the existing accounts works well to pull in new transaction imports. You can follow the steps here.

  2. Run a CSV/PDF import: Lunch Money has a streamlined import feature so that you can bulk import transactions with a CSV or a PDF bank statement. You can learn more here.

  3. Use a third-party tool:

    1. Lunchsimple (free): This is a Python-run tool that lets users import their transaction data from Wealthsimple into Lunch Money. To learn more, check out this blog post.

    2. Sandwich Sync (free): This is a command-line tool for fetching transactions from Wealthsimple, which stores the transactions locally and then let's you sync them to LunchMoney.

    3. Lunch Flow (paid): This is a third-party tool that supports Wealthsimple through an integration with MX & Finicity (Plaid alternatives). It works with a "set it and forget it" system, so once you have your accounts set up in Lunch Flow, your transactions are automatically imported daily into Lunch Money! Lunch Flow has a cost, which is used to cover operation fees, but there's a discounted annual plan and a free trial available! To learn more, check out this blog post.

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