---
title: "Changing or canceling your plan"
description: "Upgrade, downgrade, or cancel your BankSync plan, including the downgrade checklist and how plan caps change."
section: "Account & billing"
canonical: "https://banksync.io/docs/account-billing/changing-your-plan"
---

Your plan can change as your needs do. This guide walks through upgrading to a higher tier, downgrading to a lower one (and clearing anything that blocks it), and canceling without losing access before your period ends. Everything happens on the Billing **Overview** tab in Settings.

[![Upgrading a plan: the Billing panel with current usage meters, the plan picker with the annual pricing toggle, choosing Professional, the upgrade confirmation with proration details, checkout, and the success screen with limits unlocked instantly.](https://cdn.banksync.io/videos/billing-upgrade.poster.a882cd2793dcc201.png)](https://cdn.banksync.io/videos/billing-upgrade.801a70e495f9df7d.mp4)

[Watch: Upgrading a plan: the Billing panel with current usage meters, the plan picker with the annual pricing toggle, choosing Professional, the upgrade confirmation with proration details, checkout, and the success screen with limits unlocked instantly.](https://cdn.banksync.io/videos/billing-upgrade.801a70e495f9df7d.mp4)

[![Downgrading or canceling a plan from Billing: the lower plan card opens a downgrade confirmation, and the cancellation flow explains downgrade alternatives plus access through the end of the billing period.](https://cdn.banksync.io/videos/downgrade-and-cancel.poster.612ce53c10ab9392.png)](https://cdn.banksync.io/videos/downgrade-and-cancel.17fcb61a7f6860b4.mp4)

[Watch: Downgrading or canceling a plan from Billing: the lower plan card opens a downgrade confirmation, and the cancellation flow explains downgrade alternatives plus access through the end of the billing period.](https://cdn.banksync.io/videos/downgrade-and-cancel.17fcb61a7f6860b4.mp4)

> **Before you start:** 'Billing is a workspace-level setting, so you need the Owner or Admin role to change plans. Without it, Billing opens in view-only mode (you\\'ll see a "View only" banner). Open Settings from the left navigation, then click Billing under the Workspace group in the sidebar. To pay for an upgrade you\\'ll also need a card on file (added during checkout).'

![The BankSync Billing Overview showing the current plan card with status and cadence, and a Usage this month panel with meters for banks, documents, and API requests against the plan limits.](https://cdn.banksync.io/screenshots/billing/plan-usage.c1f6fd95941198c7.png "The Billing Overview, where you change your plan and watch usage against your plan caps.")

## What changes between plans

When you move up or down a tier, your workspace limits change immediately. These are the caps that the upgrade and downgrade flows check against.

| Plan         | Bank connections | Feeds     | Members (seats) | Sync cadence          | Roles                        |
| ------------ | ---------------- | --------- | --------------- | --------------------- | ---------------------------- |
| Free         | 0                | 1         | 1               | Weekly                | Owner only                   |
| Starter      | 1                | 2         | 1               | Weekly                | Owner only                   |
| Standard     | 5                | 5         | 1               | Daily, Weekly         | Owner, Viewer                |
| Professional | 15               | Unlimited | 5               | Hourly, Daily, Weekly | Owner, Admin, Editor, Viewer |
| Business     | 30               | Unlimited | 10              | Hourly, Daily, Weekly | Owner, Admin, Editor, Viewer |

A few more limits also change with the tier:

| Plan         | Integrations | Documents / month | Client portals | API rate      | MCP rate      |
| ------------ | ------------ | ----------------- | -------------- | ------------- | ------------- |
| Free         | 1            | 10                | 0              | No API access | No MCP access |
| Starter      | 3            | 30                | 0              | No API access | No MCP access |
| Standard     | 3            | 100               | 0              | 30 req/min    | 15 req/min    |
| Professional | Unlimited    | 1,000             | 5              | 150 req/min   | 30 req/min    |
| Business     | Unlimited    | 2,000             | 20             | 750 req/min   | 300 req/min   |

The monthly document quota covers the Document Extractor and resets on the 1st of each month.

> **Need more without changing tiers:** 'On Professional and Business, the Add-ons tab lets you buy extra capacity (Extra Bank Connections, Extra Team Seats, Extra Extractor Blocks, and on Business, Extra Client Portals) on top of these base caps. Add-on charges are prorated.'

## Upgrade to a higher plan

Upgrading is the quick path: pick the tier, confirm, and the new limits apply right away.

**Move up a tier**

1. **Open Settings → Billing** — In the settings sidebar, under the Workspace group, click Billing. The page opens on the
   Overview tab.
2. **Find the plan grid** — Scroll to the Browse plans / Switch plan grid. Use the monthly/yearly toggle to compare prices
   (yearly is the cheaper per-month rate). Your current plan's card shows a disabled "Current plan"
   button.
3. **Click the higher plan** — Pick Standard, Professional, or Business. An upgrade goes straight to a confirmation dialog that
   lists what changes (higher caps, new roles, faster sync) and the prorated charge.
4. **Add a card if prompted** — If you have no payment method on file, you're routed to a secure card form first. Enter your
   card details to continue; BankSync stores the card with Stripe, not in BankSync itself.
5. **Confirm the change** — Click the confirm button on the consequences screen. The subscription is created and the plan
   activates immediately. A "Plan switched" message confirms the new tier.

> **Switching while past-due:** 'If a charge has failed, your plan shows past\_due. Switching plans in that state resets the subscription and drops any add-ons (extra banks, seats), and the confirmation dialog warns you before you commit. Clear the past-due status first by adding a working card on the Payment tab. See /docs/account-billing/managing-your-plan for updating your payment method.'

## Downgrade to a lower plan

Downgrades run a validation checklist before anything changes, because a smaller plan may not fit your current usage. Some issues are fixed for you; over-cap issues you must clear yourself.

**Move down a tier**

1. **Click the lower plan in the grid** — On the Billing Overview tab, pick a tier below your current one. BankSync calls its precheck
   and, if there is anything to resolve, opens the validation checklist instead of going straight
   to confirmation.
2. **Review the checklist** — Each item is grouped by severity. Auto-fixable items can be resolved in place; over-cap items
   must be cleared by you; informational and acknowledge-only items just need your consent.
3. **Apply the auto-fixes** — For an incompatible role (for example, Admins or Editors when the target plan does not allow
   them), click the offered fix to demote those members to Viewer. For a sync schedule that the
   lower plan can't run (such as Hourly on a plan that tops out at Daily), the fix relaxes those
   feeds to an allowed cadence. Applying the fix unblocks Continue.
4. **Resolve over-cap items yourself** — If you have more banks, feeds, members, or client portals than the lower plan allows, those rows
   are a hard block with no auto-fix. Click Resolve manually to jump to the relevant page, remove
   items down to the cap, then return to the checklist.
5. **Continue and confirm** — Once every must-resolve item is cleared, Continue enables. Confirm the consequences screen to
   commit the downgrade. A clean downgrade (nothing over cap, no incompatible roles or schedules)
   skips the checklist entirely and goes straight to confirmation.

The checklist sorts work into three kinds:

| Item kind               | Example                                                           | How it's resolved                                   |
| ----------------------- | ----------------------------------------------------------------- | --------------------------------------------------- |
| Auto-fixable (role)     | Admins or Editors on a plan that allows only Owner and Viewer     | One-click demote to Viewer                          |
| Auto-fixable (schedule) | A feed set to Hourly moving to a plan without Hourly              | One-click change to an allowed cadence              |
| Over-cap (hard block)   | More banks, feeds, members, or portals than the lower plan allows | You remove items down to the cap (Resolve manually) |
| Acknowledge-only        | API access or MCP that the lower plan turns off                   | Confirm you understand the feature stops working    |

> **Free and past-due block new bank connections:** Dropping to Free (0 bank connections) or letting a charge go past\_due will block connecting new banks. Existing usage over the new cap must be brought down before the downgrade will commit, so you won't be left silently over the limit, but plan to disconnect or remove the excess yourself.

## Cancel your subscription

Canceling stops future charges but keeps your access until the end of the period you've already paid for.

**Cancel or resume**

1. **Open the cancel control** — On the Billing Overview tab, use the quiet Cancel subscription link at the bottom, or the Cancel
   plan tab (it appears while your subscription is active or trialing).
2. **Confirm the cancellation** — Your plan is scheduled to lapse to Free at the end of the current billing period. You keep full
   access, with your current limits, until that date.
3. **Resume before it takes effect** — While a cancellation is pending, a banner offers a Resume option. Click it to clear the
   scheduled cancellation and keep your plan with no interruption. Switching to a different plan
   also clears a pending cancellation, and the confirmation dialog tells you when that happens.

## Confirm it worked

- After an upgrade or downgrade, the **Your plan** card on the Billing Overview shows the expected plan name with an active (or trialing) status, and the Usage this month meters reflect the new limits.
- You see a "Plan switched" confirmation when a change commits.
- After canceling, the plan shows a scheduled-cancellation banner with the date access ends and a Resume option.
- After resuming, that banner disappears and the plan reads as active again.

## Troubleshooting

> **Common issues:** Controls greyed out or a "View only" banner: you need the Owner or Admin role. Downgrade won't continue: the checklist still has an unresolved must-resolve item. Apply the offered auto-fix, or for over-cap rows (banks, feeds, members, portals) use Resolve manually to remove items down to the new cap, then come back. Can't connect new banks: you're on Free or past\_due. Add a working card on the Payment tab to clear past\_due, or upgrade to a tier with bank connections. Upgrade asks for a card: there's no payment method on file yet. Enter one in the secure form to continue.

## Next steps

- **Manage your plan and billing** — View usage, update your payment method, and find invoices.
- **Workspaces and members** — Adjust roles and seats before a downgrade so the role check passes.

[Manage your plan & billing](/docs/account-billing/managing-your-plan)

## Related guides

- [Managing your plan and billing](/docs/account-billing/managing-your-plan): usage meters, payment methods, invoices, and add-ons.
- [Workspaces and team members](/docs/workspaces/members-and-roles): fix seats and roles that block a downgrade.
- [Removing a bank](/docs/connecting-banks/removing-a-bank): bring bank connections under a lower plan's cap.
- [MCP server guide](/docs/mcp/overview): what you gain (or lose) in agent access when MCP availability changes with your tier.