How syncing works, so the rest makes sense
Finthy does not poll your bank on a timer, and there is no refresh button. Your bank tells our provider Plaid when something has changed, Plaid notifies Finthy, and Finthy pulls what is new. Nothing you can press makes your bank post a transaction sooner.
That means the pace is your bank’s. Many post once a day. Card transactions often appear as pending first, then change amount and date when they settle, which is the bank correcting itself rather than Finthy doing something odd.
Only banks in the United States and Canada sync at all. Everywhere else, and for any bank you added by hand, transactions arrive when you import or enter them. That is the design, not a fault.
Transactions are not arriving
Work through this in order.
- Look at the status on Banks. If it says Action Required or Reconnect needed, nothing will arrive until you reconnect, and waiting will not change that. See the article on bank connection issues.
- Check Last synced. If it is recent, Finthy has heard from your bank and your bank had nothing new to send.
- Check your bank’s own app. If the transaction is not there either, it has not posted yet.
- Check the account is visible. An account hidden or over your plan’s visible account allowance will not show its transactions in lists.
- Check your filters. A date range, an account filter or a search term left on is the most common cause of “missing” transactions that were never missing.
History only goes back so far
When you first connect, you get what the bank is willing to hand over, which is usually a few months rather than years. That window is set by your bank and the account type, not by your plan.
For anything older, import it: a CSV or PDF statement brings in as much history as the statement covers, and imported transactions behave exactly like synced ones in budgets, reports and exports.
Duplicates
Two causes, with different fixes.
- The same bank connected twice. Every transaction arrives once per connection. Delete the connection you do not want; Finthy warns you before you can create this situation.
- An import overlapping a sync. You imported a statement covering days the bank also sent. Finthy marks likely duplicates so you can review them rather than deleting silently.
Balances and transactions disagree
The balance comes from the bank directly; the transaction list is built from what the bank sent. A pending transaction already counted in your available balance but not yet posted will make the two differ for a day or so. If it persists past that, tell us.
Still wrong
Start a chat from inside the app with the bank’s name, the status shown on Banks, the Last synced time, and one example transaction with its date and amount. That is enough for us to trace a specific sync rather than guess.