BankSync

A bank API for your own accounts.

Connect Chase, Bank of America, Wells Fargo, Capital One or Citi once. Read your transactions, balances, investment holdings, investment trades, and loan balances as JSON with a scoped key. No business required.

Get an API key →API reference
  • read-only
  • 2 years of history
  • from $7/mo
api.banksync.ioUS · Plaid
$curl https://api.banksync.io/v1/banks/bnk_chase/accounts/acc_8812/transactions?from=2026-09-01 \     -H "X-API-Key: bsk_live_…" {  "success": true,  "data": [    { "date": "2026-10-08", "description": "Trader Joe's #552", "amount": -63.18, "category": "Groceries" },    { "date": "2026-10-07", "description": "Shell Oil 5741", "amount": -48.02, "category": "Transport" },    …52 more  ],  "meta": { "count": 54, "hasMore": false }}200 OK · 54 rows · 112 ms
Example GET request to the BankSync API and its JSON response.

What you get in United States

Data
Transactions, balances, investment holdings, investment trades, and loan balances. Read-only.
History
Up to 2 years on the first sync.
Consent
Does not expire. Disconnect any time.
Framework
CFPB §1033 Open Banking · Consumer Financial Protection Bureau (CFPB)
Provider
Connections run through Plaid. CFPB §1033 compliance dates were stayed in October 2025, so access today runs on the bank’s and the provider’s data-sharing agreements.

The banks you already use

  • Chase
  • Bank of America
  • Wells Fargo
  • Citi
  • Capital One
  • U.S. Bank
  • Truist
  • Ally Bank

See all 10,110 US banks →

How it works

  1. 1

    Connect your own bank

    Sign up, then connect Chase, Bank of America, Wells Fargo, Capital One or Citi through your bank's own consent screen.

  2. 2

    Create an API key

    Workspace › Developers. Give it only the scopes it needs; revoke it any time.

    banks:read
  3. 3

    Make your first call

    Read transactions, balances, investment holdings, investment trades, and loan balances as JSON with one GET request and your key in the X-API-Key header.

  4. 4

    Or ask an AI agent

    Point Claude, ChatGPT or Cursor at the MCP server and ask questions about the same data.

    MCP

Call it your way

$curl -s "https://api.banksync.io/v1/banks/bnk_chase/accounts/acc_8812/transactions?from=2026-09-01" \     -H "X-API-Key: bsk_live_…" \     | jq '.data[] | {date, description, amount}'

Every endpoint

BankSync REST API endpoints, with the key scope each one needs
MethodEndpoint
GET/v1/banks
GET/v1/banks/:bankId/accounts
GET/v1/banks/:bankId/accounts/:accountId/transactions
GET/v1/banks/:bankId/accounts/:accountId/balances
GET/v1/banks/:bankId/accounts/:accountId/holdings
GET/v1/banks/:bankId/accounts/:accountId/loan
GET/v1/feeds
POST/v1/feeds
POST/v1/feeds/:feedId/sync
GET/v1/feeds/:feedId/jobs
GET/v1/enrichments
GET/v1/enrichments/:enrichmentId
POST/v1/enrichments
PUT/v1/enrichments/:enrichmentId
DELETE/v1/enrichments/:enrichmentId
POST/v1/feeds/:feedId/enrich/preview
View full API reference →

API access from $7/mo

Start free trial →Compare every plan →

Standard includes 5 bank connections, 10 API requests a minute and the MCP server. Every plan starts with a 14-day free trial. Prices shown in USD.

Frequently asked questions

Can I use this for my own accounts?

Yes. Sign up as an individual, connect your own bank, card, brokerage and loan accounts, and create an API key. There is no application, no company verification and no sales call.

Do I need a business or a developer account with an aggregator?

No. BankSync holds the Plaid relationship; you sign up for BankSync like any other app, connect your accounts, and read them with your key.

Does my connection expire?

No scheduled expiry: a US connection does not expire. Some banks occasionally ask you to sign in again (a new device check or a password change); the app asks you to reconnect when that happens. You can disconnect at any time.

What data can I read, and how far back?

Transactions, balances, investment holdings, investment trades, and loan balances. The first sync reaches back up to 2 years of transactions, depending on how much your bank makes available.

What is not available?

Payments and transfers: the API is read-only and never moves money. Coverage is per institution, so not every bank or credit union offers every data type; each bank’s page lists what it returns.

Is the API read-only?

Yes. The connection your bank grants is read-only: BankSync can read account data, and it cannot move money, make payments or change anything at your bank. Your API key reads the same data, scoped to the permissions you give it.

How is this different from screen-scraping?

Most large US banks connect through their own OAuth screen: you sign in at the bank and approve access, and BankSync never sees your password. The bank can show and revoke that access from its own security settings.

How much does API access cost?

API access starts on Standard at $7/mo: up to 5 bank connections, 10 API requests a minute and the MCP server. Professional and Business raise the limits. Every plan starts with a 14-day free trial; prices are in USD.

Related reading

Make your first call tonight

Connect your US bank, create a scoped key, and read your own data as JSON.

Get an API key →API reference