Automatic Imports

We support automatic imports from your bank via a third-party service, Plaid. Currently, this feature is only available to most US and Canadian-based banks, as well as a number of EU-based banks.

Introduction

We rely on Plaid, a third-party banking provider, to import transactions and balances for your bank accounts. Plaid is a popular, secure and established service also used by a slew of other personal finance apps on the market.

If automatic bank syncing is not available in your region, you may instead take advantage of our CSV import tool or developer API to get bulk transactions into Lunch Money.

Shortcuts

Frequently Asked Questions

Support for international banks

Through our partnership with Plaid, we currently support automatic bank syncing for some or most financial institutions based in the following countries:

USA
Canada
France
The Netherlands
Spain
Ireland
Germany
Poland
Portugal
Sweden
Denmark
Belgium
Italy
Norway

In the meantime, we have a developer API which we're hoping will bridge the gap between Lunch Money & international banks. We already have a few European banks supported via community-made open source plugins such as bunq and Monzo!

We also highly recommend using our CSV import tool which we have been putting a lot of effort towards making as seamless as possible. Almost 40% of our users are international users so this method has been proven sustainable for long-term use on Lunch Money!

Fetching the latest data

Balance and transactions are fetched automatically when we receive a notice via webhook from your bank & Plaid (our third-party banking provider) that there are new transactions. On rare occasions, this webhook doesn't arrive or somewhere along the line, something hiccups and we don't fetch the latest.

In this case, you can manually trigger a fetch from the Overview page:

and from the Accounts page:

Both operations will trigger a full fetch of all your synced accounts. This is a background process that usually finishes in under 1 minute.

Note that you can also trigger a refresh from the Transactions page, but that only fetches transactions for that particular month.

You can get information on when we last fetched transactions & balances for your accounts from the Accounts page. Hovering over the 'Last updated' timestamp will show two dates:

Last fetch from server indicates the last time we successfully pinged Plaid for the latest transactions. This may or may not result in new transactions being imported.

Last transaction update indicates the last time we successfully imported new transactions from Plaid.

Reconnecting, Relinking and Refreshing: What's the difference?

Depending on the status of your synced account, you may be presented with the option to Relink, Trigger Refresh or Force Reconnect.

Relinking is an option for accounts that are in relink mode, meaning, Plaid lost their connection to Plaid and requires user intervention to re-establish this link. This may happen periodically (see Why does my account keep requiring me to relink/re-authenticate?)

Trigger Refresh is an option for active accounts that haven't received updates from Plaid for a while. Note that an update from Plaid does not guarantee new data to be imported. It is simply a way to trigger Lunch Money to go to Plaid and inquire on any new data available.

If Plaid's connection to the institution is broken behind the scenes, Lunch Money may be unaware of this and will simply update the timestamp for the last time new data was requested.

Force Reconnect is an option for active accounts that want to go through the relinking process. Forcing Plaid to relink to the institution via this option even though a relink is not necessary or requested has been able to some some connection issues in the past.

If the above do not solve your connection issues, you may want to consider creating a new connection to merge with an existing connection (see below).

Creating a new connection to merge with an existing connection

Sometimes, an entirely new connection will yield updates from your bank. In case you have an existing connection, it would be convenient to merge together the existing connection with this new connection after you've confirmed the new connection is successful.

To do this, we recommend the following steps to ensure a seamless transition and no duplicate transactions.

Note the date of the last imported transaction on your existing connection. This is an important step to prevent duplicates. We will use this date to tell the new connection not to import transactions before this date.
Go to the Accounts page and click 'Add Account' and 'Auto-import from my bank'. Follow the steps to create your new connection.
When prompted, uncheck "Import all historical transactions" and input the date from step 1 for the earliest import date.

Did the new connection bring in up-to-date data? That's great! You'll now want to convert your previous existing connection to a manually-managed account, that is, stop it from syncing anymore. To do this, go to the Accounts page and click on an account within the previous connection. Scroll down and select "Remove or troubleshoot account" and select the option to "Stop syncing, keep all transactions". Make sure you elect to keep all balance history and transactions.

After this step, you can click into the newly-created manually-managed account and select 'Merge with synced account' and select the associated account from your new connection. Do this with every account under the connection.

Recovering revoked accounts

Connections get revoked if you don't enter your billing information within 5 days of your trial ending.

When a connection gets revoked, that means that we have voluntarily given up our access to your bank data. To continue with bank syncing, you'll need to link a brand new connection to your bank. Your revoked/error'ed connections are not recoverable.

To merge the data from your revoked connections with the new ones, follow these steps:

Check each of your revoked/error accounts and note down the date of the last successfully imported transaction.
Go through the removal flow for each of your revoked/error accounts and when prompted, elect to keep account data and move to a new manually-managed account.
Connect to your bank(s). When prompted, set the "earliest import date" to be the last import date as noted in step 1 and enable "Block importing before this date" to prevent duplicates. This will make sure that the newly synced account will only import transactions after this date!
Once that's done, click on your newly created manually-managed assets from step 2. For each one, click on "Merge with synced accounts" and choose the associated synced account. This will merge together transactions, recurring items, rules and balance histories.

FAQ

I can't connect to my institution!

Do you have an ad-blocker or other browser extensions that disable Javascript or otherwise intended to modify behaviour of websites? If so, we've heard reports that these can affect the ability to connect to an institution. We suggest turning these off temporarily when attempting to connect.

Do you have 2FA set up on your account? If so, institutions requiring a new one-time password on every login are not currently supported due to the nature of the connection.

Do you have multiple secret questions & answers set up? If so, it may require you to connect a few more times in order to collect all the answers to all the questions you have set up.

For any other issues, feel free to create a support ticket with us (see below). We're happy to help!

I'm having issues with my bank connection!

We offer personalized support for all issues related to your bank connection. The easiest way to get help is by creating a support ticket from the Accounts page. Click on the account that you're having issues with, and select "I need help with this account". We'll walk you through creating a support ticket!

Why does my account keep requiring me to relink/re-authenticate?

There are many reasons for this and all of it depends on your bank! Some common causes are:

A multi-factor authentication setting that you have enabled with your bank. In general, Plaid can handle 2FA. However, if a bank requires a unique one-time password on every login or otherwise very frequently, then Plaid will have difficulty maintaining connection. We always suggest checking to see if your bank provides you with app passwords or a setting to enable trusted devices– those would help Plaid maintain the connection!
Some jurisdictions require banks to renew third-party access every 90 or 120 days for security purposes.
Plaid works directly with your bank and then wrangles the data to send downstream to apps like Lunch Money. This technology (both on your bank and Plaid's side) is far from perfect and hiccups along the way are not unheard of.

Why am I not seeing any transactions for my brokerage/investment accounts?

Automatically importing transactions for investment and loan accounts is not currently supported. If you'd like to see this feature implemented, feel free to add your vote here to stay posted on any development updates.

My institution is not listed.

If your institution is not currently supported by Plaid, feel free to submit a support ticket to request it! If Plaid sees enough demand for an institution, they may prioritize it.

To submit a request, click on 'Help' at the top left corner and select 'Submit a bug or feedback' and then 'Institution request for syncing':

What information do you store when I sync my bank account?

If you use the automatic bank syncing feature, we store the following information about your account:

The account name
The account mask (last four digits)
The account type and subtype (for example, loan and mortgage)

And then we periodically receive transactions and balance updates.

We do not store, nor do we have access to the account holder's name or other personal information, or account routing numbers.

I'm coming from another app and I have a CSV file of my historical transactions for an account I would like automatically synced. How should I approach this?

Read the Mint Migration Guide for more details!

The approach to this will require creating two accounts: a manually-managed account and a synced account (via the "Auto-import from my bank" option within "Add account")

Assuming you would like to preserve your categories from your previous integration, first create a manually-managed account and use our CSV import tool to upload your CSV file. This will automatically create all your categories (and tags) for you.

Next, take note of the last date of your CSV import as this is when you would want your automatic syncing to begin.

Finally, link a new bank account and ensure you set the "earliest import date" to be that last date from your import file. You can then merge the original manually-managed account into your newly synced account.

Setting up your Auto-categorizations once you have your categories set up will ensure your imported transactions are automatically categorized as well. If you synced your account before setting these up and ended up with lots of uncategorized transactions, you can always "Re-run autocategorizations" from that page to fix that.

How do I stop importing transactions for a synced account and only track manually?

If your transactions were automatically syncing with your bank, and something happened such as a service disruption, you can temporarily track transactions manually for a synced account.

It's important to note that synced accounts inherently do not support manual transactions. So, you'll need to convert the synced account to a manual account. To do this, you'll need to go through the account removal flow and opt to keep all existing data.

Click on the account in question and scroll down in the side pop-up to where it says "Remove account". Decide if you only want to manual track for this account, or all other associated accounts within the same institution.

Once you've made your selection, make sure you have the following selected to keep all your existing data and to assign it to a new manually-managed asset. If you have an existing one that you want to use, you may also choose that one. We also recommend that you elect to keep your balance history (this is asked in the next screen).

Once you've gone through this flow, you are able to treat this account as a manually-managed account and add transactions to it. The balance will automatically update, and you may also reconcile your balance at any point from the Accounts page.

Note: this option makes it so that you stop attempting to sync this account automatically. If you'd like to continue automatic syncing of transactions, see the next FAQ.

How can I edit imported transactions or add transactions to my synced account?

By default, we do not allow modifications to transactions for synced accounts. However, you can enable a setting to allow updating this information. This may be helpful if there were gaps in which syncing was broken, or if you find one or two transactions missing and you want to add these yourself.

This setting is on a per-account basis. Go to the Accounts page and click on the account for which you would like to allow modifications. Then enable the following setting under 'Advanced Settings':

How do I manually insert larger amounts of historic transactions to fill in the gaps for my synced account?

Are you automatically syncing new transactions for an account but you're missing historical transactions that you'd like to manually import, either via our CSV tool or developer API?

First, create a new, temporary manually-managed account and import your transactions to this manual account.

Next, click on the manually-managed account within the Accounts page, and locate the "Merge with synced account" option under Actions:

This will merge your temporary manually-managed account and its transactions with the selected synced account. It's important to do this only for historical transactions because our system will not automatically detect or de-duplicate manual transactions with newly imported transactions.

I was tracking my transactions manually, and now I'm using bank syncing. How do I reconcile my transactions?

If you were tracking your transactions manually while your bank was either not supported for syncing or undergoing downtime, you may want to reconcile your transactions with the new bank connection.

The first step is to identify the date of the latest transaction you added for this account. Do this before you link to your bank. When prompted, set the "Earliest import date" to the date of the latest transaction and select "Block importing before this date".

What if I already linked my new bank?

Never fear! You can set these fields by clicking into your account. This will prevent future transaction updates from importing older transactions. You'll then need to manually remove your duplicates. You can do this easily by identifying duplicate transactions using the filtering feature in the Transactions page.

For example, set a filter to only show transactions from your new synced account and your old manually-managed account. Sort by date and use the bulk-selection method to bulk-delete transactions.

This makes it so that our system will not automatically import transactions before a certain date. Since this date is set to the date of your most recent manual transaction, there should be no duplicates imported.

Once your new bank connection is active, click into your old manually-managed asset and choose the option "Merge with synced account".

Follow the instructions and make sure to merge over all transactions and balance history for a seamless experience!

Why are my transactions being imported with the merchant names and notes combined?

We usually see this issue with European banks. Because Plaid is an American company that started off with normalizing data between American institutions, the existing structure for transactions made it hard to map fields 1:1 with some European transactions when they eventually expanded overseas. Basically, in Europe there are extra fields with information for transactions which Plaid did not originally support, and thus has to concatenate within the payee field.

At this point, the only options are toggling between the merchant name and the original name returned by Plaid (both can be seen within the "View Plaid metadata" screen when you click into a synced transaction). If you wish to use the original name instead, you can set that under 'Advanced Settings' for the account under the Accounts page.

Otherwise, this feature request for regular expressions within rules would solve this issue. You would be able to create a rule that splits a transaction by a regular expression and assign fields to matched groups. We suggest upvoting it to get notified of any development updates!

Why are my transactions being marked as deleted by my bank?

This is an issue on Plaid and/or your bank's side. Periodically, they will send us a notice (webhook) telling us that transactions have been removed. Usually, this is a pending transaction that has been posting. Lately, I have been seeing an uptick of erroneously removed transactions. If you want to report this as an issue to help escalate it to Plaid, feel free to create a bank syncing support ticket.