Synci 2.0 is here

After teasing it about a year ago, it's finally ready for the masses. Synci 2.0 has officially launched — a rebuilt, more capable platform based on everything we’ve learned since day one. Here’s what’s changed, what’s new, and what we’ve been quietly working on behind the scenes.

A Bit of Background

Synci started as a personal project. Manually entering bank transactions to keep a budget up to date is tedious work, and after falling too far behind to catch up, the obvious solution was to automate it. That itch turned into Synci — a YNAB integration for European banks not natively supported by the app, which eventually opened up to other users.

For a solo bootstrapped passion project, that was encouraging. But growth plateaued, and when YNAB shifted to Plaid as their primary European bank data provider, it became clear that betting everything on a single integration wasn’t sustainable. We had three options: shut down, stay the course, or expand. We went with option three.

The new vision: “Own your banking data — fetch, transform, and transfer your personal banking data, anywhere.” In early 2025, we started rebuilding Synci from the ground up with that in mind. The backend, the UI, the support system — everything. It took a full year. The result is Synci 2.0.

What’s New

Lunch Money integration

Synci now officially supports Lunch Money as our first destination beyond YNAB, and we’re genuinely excited about that. It’s a strong product with a thoughtful approach to budgeting, and the team behind it has been great to work with throughout the integration process.

If you want to try Lunch Money yourself, you can use our affiliate link here to get an extra free month in addition to the standard 1 month trial: Lunch Money.

Transaction Enrichment

Bank transaction descriptions are often messy, inconsistent, and hard to read. Synci 2.0 now supports several enrichment and AI providers that help clean them up before they ever reach your budget. Depending on the provider you choose, transactions can be enriched with merchant names, logos, websites, locations, and more — turning cryptic reference strings into something actually useful.

It’s opt-in, and we only work with providers that offer EU data residency. For users who care about both better transaction data and keeping that data close to home, this is a meaningful step forward.

A rule engine

For everything else, the new rule engine gives you fine-grained control over how your transaction data is shaped. Rename payees, adjust categories, restructure descriptions — all through a simple interface, no code required. Set your rules once, and Synci handles the rest on every sync.

More destinations

Synci has always been built around YNAB, and that remains true. But 2.0 adds meaningful new options: As mentioned above, Lunch Money is now fully supported, and we’ve added Webhook support and an open API for developers and power users who want to build their own integrations. We’ve also connected to Zapier, opening the door to 8,000+ apps. More destinations are on the roadmap.

Transfer links & logs

The core concept in 2.0 is the transfer link — the connection between a bank account and a destination. You can create as many as you need, so a single bank account can feed into YNAB, Lunch Money, and a spreadsheet all at once. Every sync is tracked through detailed transfer and rule logs, giving you full visibility into what moved, what was transformed, and why.

Improved bank and destination setup

We’ve made the onboarding experience a lot smoother. After you authorize a new bank or destination, Synci now shows live sync status and a live view of accounts as they’re being synced. When the sync job is finished, you’ll get a clear notification so you always know where things stand.

This makes setup feel much more transparent, especially when you’re connecting a bank for the first time or adding a new destination to an existing account.

A new dashboard

Synci 2.0 also comes with a brand new dashboard that gives you a clearer overview of everything that matters: your active bank connections, destinations, rules, and bank data retention preference.

The dashboard also includes graphs that show the history of fetched bank transactions and successful or failed transaction transfers to destinations. You can customize these views by date range and data frequency, including daily, weekly, monthly, and yearly views. It’s a much better way to understand what Synci is doing at a glance, and to spot issues or trends quickly.

Help center & AI

We’ve completely reworked the help center and AI assistant. The goal here was simple: make it much easier to understand how Synci works without having to dig through settings or documentation.

The AI is now much better at handling Synci-specific logic, so users can ask practical questions like how to create a rule that replaces text in a transaction field, and it should respond with a step-by-step guide tailored to Synci. It’s a much better fit for the product now, and a lot more useful for day-to-day support and setup questions.
Give it a try.

Custom sync frequency

Previously, syncs ran either every 6 hours or every 30 minutes on fast sync. In 2.0, you choose your own frequency — anywhere from every 30 minutes to every 24 hours — so you can balance freshness with your own preferences and plan.

Privacy & Security

Security has always been a priority at Synci, and 2.0 raises the bar further.
Synci connects to your bank via GoCardless Open Banking (PSD2-regulated), meaning read-only access only — we never see or store your banking credentials. All data is encrypted in transit and at rest, and for particularly sensitive fields, we go a step further with field-level encryption — an additional layer that protects your most sensitive data even within our own infrastructure. We’ve also tightened our data retention practices: transaction data is only kept for as long as necessary, and you’re always in control of what gets deleted.

We’ve published detailed documentation on both our security practices and our data retention policy for anyone who wants the full picture. We think transparency around this stuff is essential for a service handling sensitive personal data.

What’s Next

We’re not done yet. A few things are already on the roadmap:

• More transaction sources. We plan to add more banking providers in both Europe and other continents. We will also be adding support for investment accounts, crypto holdings, and more.
• Further rule engine improvements, including support for the Liquid templating language for modifying transaction fields.
• Rule-based alerts, including email and SMS notifications when transactions match specific rule conditions.
• Deeper enrichment functionality, including the ability to use enriched transaction fields in rules.

Give It a Try

Synci 2.0 is available now at app.synci.io. You can start with a free trial — no commitment needed. If you’re an existing user, your account is ready and waiting.
As always, we’re genuinely interested in feedback. Reach out through the app or drop a note on our feedback board. There’s a lot more planned for 2.0, and we’re just getting started.