Bank Sync imports your bank transactions into WYGIWYH automatically. It works through a bank data service, which connects to your bank and passes the transactions on. You'll find it in Sidebar > Management > Automation > Bank Sync.
There are three services to choose from:
| Service | Banks | What you need |
|---|---|---|
| Lunch Flow | Check their site for supported banks | An API key |
| SimpleFIN | Mostly banks in the US, through SimpleFIN Bridge | A setup token |
| Pluggy | Brazilian banks, through Open Finance | A client ID, a client secret and your item IDs |
Setting it up
- Get your credentials from the service. The steps for each one are further down.
- In Bank Sync, add a service. Give it a name, pick the service type and fill in the credentials. The fields change depending on the service you pick.
- Click the link icon next to the service to open its accounts. You'll see every account the service can reach. For each one you want, pick the WYGIWYH account it goes into and a "Sync from" date. Transactions dated before it are never imported. Accounts left on "Don't sync" are ignored.
- Save. The first sync happens within the hour. To start it right away, click the sync icon.
When you add or edit a service, you can also set:
- Sync every X hours. The default is 24, since most banks only update once a day.
- Trigger transaction rules, to run your Transaction Rules on synced transactions. It's on by default.
- Match existing transactions. Turn this on if you already enter transactions by hand. Instead of creating a copy, the sync links the bank's transaction to yours when they're on the same account, have the same type and amount, and are dated up to 3 days apart.
On the accounts screen, a bank account that holds more than one currency also lets you pick which currencies to sync. Leaving them all unchecked syncs everything.
Getting your credentials
Lunch Flow
In Lunch Flow, create a REST API destination and give it access to the accounts you want to sync. Paste its API key into WYGIWYH.
SimpleFIN
- Sign up at SimpleFIN Bridge and connect your banks there.
- Get a setup token from Bridge and paste it into WYGIWYH.
A setup token works only once. When you save, WYGIWYH trades it for an access URL, and that URL is what you'll see in the field afterwards. If saving fails, you may need a new token.
SimpleFIN Bridge limits how often apps can ask for data, so SimpleFIN services can't sync more often than every 6 hours.
Pluggy
- Create an account at pluggy.ai, then sign in to the dashboard and create a team.
- Under Applications, create an application. Copy its client ID and client secret.
- Connect your banks at Meu Pluggy, following Pluggy's instructions. You can only connect banks while your Pluggy trial is active. Connections made during the trial keep working after it ends.
- Back in the dashboard, open your application and click "Ir para Demo". In the menu at the top right, click "Copiar Item ID" for each bank connection.
- In WYGIWYH, fill in the client ID, the client secret and the item IDs. Separate the item IDs with commas.
How syncing works
Each sync looks back 7 days, because banks often post transactions late. A transaction is only ever imported once. If you delete a synced transaction, it doesn't come back.
Your changes to synced transactions are kept: category, description, amount, anything else. The one exception is a pending transaction on Pluggy.
Pending transactions
Some transactions aren't final yet when the bank first reports them. A card purchase is the usual example.
With Pluggy, these show up right away as unpaid. When the bank confirms one, WYGIWYH marks it as paid and updates its amount and date to the bank's final values. This happens once. After that, your edits stick. If you mark one as paid yourself, the sync leaves it alone. This matters most for Brazilian credit cards, where purchases stay pending until the bill closes.
A pending transaction the bank never confirms, like a cancelled hotel or gas station hold, stays unpaid. Delete it when you notice it. After 60 days the sync stops looking for it.
Lunch Flow and SimpleFIN only import a transaction once the bank has confirmed it, which usually takes a few days. Their pending transactions can get a new ID when they're confirmed, so importing them early would create duplicates.
When something goes wrong
If a sync fails for one account, the others still sync. A warning icon on the service or the account shows the error when you hover over it. Most errors come from the bank connection itself, like an expired login. Fix it on the service's site, and the next sync picks it up.
Deleting a service keeps the transactions it already imported.
Export and restore
Bank Sync has its own option in Sidebar > Management > Automation > Export and Restore. It includes your services and account links. The export contains your credentials (API keys, SimpleFIN access URLs and Pluggy client secrets), so keep the file somewhere safe.
Self-hosting
SimpleFIN setup tokens point WYGIWYH at a server, so only SimpleFIN Bridge is allowed by default. If you run your own SimpleFIN server, add its host name to the SIMPLEFIN_ALLOWED_HOSTS environment variable. Separate multiple hosts with commas, and include the Bridge hosts if you still use them:
SIMPLEFIN_ALLOWED_HOSTS=bridge.simplefin.org,beta-bridge.simplefin.org,simplefin.example.com