Bank sync on Pro

Read-only bank sync. It can see your money, never move it.

On Pro, your accounts update on their own, about once a day, through SimpleFIN, and Zedi never sees your bank password. Rather link nothing? Free runs on the files you upload.

Live on Pro. Turn it on in Settings > Connections & keys.

What SimpleFIN is

  • A small paid service

    SimpleFIN Bridge passes your bank data to the apps you pick. You pay it yourself, and one account covers up to 25 banks and 25 apps.1

  • Read-only by design

    SimpleFIN says all access is read-only: an app can look at your accounts, not touch them.2

  • MX connects to your bank

    SimpleFIN uses MX to connect to banks. Your bank login is held by MX, or by the bank itself if it has its own sign-in page.3

  • Zedi gets a key, not a password

    Paste a one-time setup token into Zedi and it becomes a read-only key, which Zedi encrypts.4

Who runs SimpleFIN, what it and MX say about security, and the risks we see: What is SimpleFIN? Is it safe?

Who you pay

Two small bills, and only if you sync. Files stay free.

Zedi Free
$0
Upload files. Nothing is linked.
Zedi Pro
$3.50 a month
Paid to Zedi by card, through Stripe.
SimpleFIN
$1.50 a month or $15 a year, plus tax
Paid to SimpleFIN on its own site, only if you sync.
All in, with bank sync
$5 a month
$3.50 to Zedi plus $1.50 to SimpleFIN. Plus tax on the SimpleFIN part.

Zedi adds no markup on SimpleFIN and never sees that payment. See pricing.

Is bank sync safe?

No company can promise perfect safety, us included. Here is exactly what we can show you.

  • It can’t move money

    Zedi can see your balances and transactions, and that’s it. SimpleFIN’s protocol has no way to send or move money.5,2

  • Zedi never sees your bank login

    You sign in to your bank through SimpleFIN, and that login is held by MX, or by the bank if it has its own sign-in page. Zedi only gets the read-only key.3

  • The key is locked

    Zedi locks the key with AES-256-GCM encryption, and the unlock key lives outside the database.

  • Very little goes back

    Zedi sends SimpleFIN only that key and the dates it wants. No name and no email.

  • Read their own notes

    SimpleFIN lists its security practices and past incidents on its security page. Read it before you connect.3

What Zedi stores, and for how long, is on the privacy page.

SimpleFIN vs Plaid

Many money apps, like Copilot, YNAB, Rocket Money and Tiller, connect to banks through Plaid. Here is how the two differ for you.6,7,8,9

SimpleFIN
Plaid
Who pays for the connection
You do: $1.50 a month or $15 a year, plus tax.1
The app pays Plaid. Plaid does not charge you.10
Where you type your bank login
In SimpleFIN Bridge, where MX holds it, or on your bank’s own sign-in page if it has one.3
In Plaid’s screen. Plaid says it doesn’t share it with the app.10
Can it move money?
No. Access is read-only.2
Plaid also offers tools for payments; it depends on the app.11
How to cut an app off
Delete the app connection in SimpleFIN Bridge.4
Use Plaid Portal to disconnect apps or delete your data.10
Apps that use it
Zedi on Pro, and open-source apps like Actual.12
Copilot, YNAB, Rocket Money, Tiller and many more.6,7,8,9

How to turn it off

Two steps: disconnect in Zedi, then remove Zedi in SimpleFIN. Zedi can’t cancel access at SimpleFIN for you.

  1. 1. In Zedi

    Open Settings > Connections & keys and press Disconnect. Zedi deletes its copy of the key and the account links.

  2. 2. In SimpleFIN

    Delete the Zedi app connection in SimpleFIN Bridge. That ends access at the source.

  3. 3. If you stop syncing

    Cancel your SimpleFIN subscription on their site, so they stop billing you.

Transactions already synced stay in Zedi until you delete them.

Questions

Can Zedi move my money?+
No. Bank sync is read-only: Zedi can see your balances and transactions, and the connection has no way to send or move money.
Does Zedi see my bank password?+
No. You sign in to your bank through SimpleFIN, and that login is held by MX, or by the bank if it has its own sign-in page. Zedi only gets a read-only key, which it encrypts.
How often does bank sync update?+
On its own once a day by default, or any time you press Sync now. You can pick another schedule or turn it off. The first sync brings in about the last 3 months.
Why pay SimpleFIN on top of Pro?+
SimpleFIN runs the bank connection and bills you directly: $1.50 a month or $15 a year, plus tax. Pro is $3.50 a month, paid to Zedi. Zedi adds no markup and never sees your SimpleFIN payment.
What if I stop paying for Pro?+
Syncing pauses. Your accounts and everything already synced stay, and file uploads keep working for free.

Sources

Pages on SimpleFIN’s, Plaid’s and other apps’ own sites, checked October 10, 2026.

  1. https://beta-bridge.simplefin.org/
  2. https://www.simplefin.org/
  3. https://beta-bridge.simplefin.org/info/security
  4. https://beta-bridge.simplefin.org/info/developers
  5. https://www.simplefin.org/protocol.html
  6. https://copilot.money/privacy-and-security
  7. https://www.ynab.com/security
  8. https://www.rocketmoney.com/security
  9. https://www.tiller.com/security/
  10. https://plaid.com/how-it-works-for-consumers/
  11. https://plaid.com/products/transfer/
  12. https://actualbudget.org/docs/advanced/bank-sync/simplefin/

Know exactly where your money goes.

Start free with your files. Bank sync is part of Pro, whenever you want it.

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