- Web app
- Our own product
- Financial workflow
BankSync
Bank transactions move automatically; people handle only exceptions.
Project facts
- Project type
- Web app with administration
- Banky
- Fio via API · Tatra banka via notifications
- Destination
- YNAB budget · Reckon accounting records
- Live
- Since April 2026
- Python
- FastAPI
- SQLite
- APScheduler
- Next.js
- TypeScript
- Docker
- Fio API
- IMAP
- YNAB API
- Telegram
The brief
BankSync automatically moves Fio and Tatra banka transactions into a budget or accounting records. We built it; it has been live since April 2026. It recognises transfers, prevents duplicates, learns payee names from corrections and alerts on exceptions.
BankSync replaced an n8n workflow with over 25 steps and Google Sheets mapping. That setup was fragile and could not recognise transfers between own accounts. We built one service that can be tested, monitored and repaired, now running in production.
What we did
The most reliable source for each bank
Fio is read directly through its API. Tatra banka's API does not expose credit cards, so the app processes its email notifications. We tried and removed a second Fio source because duplicate paths would add more errors than they solved.
A transfer between your accounts is not an expense
Transactions enter the budget immediately. When the matching transaction on another owned account is found, both entries are converted to one transfer. This gives immediate visibility with later correction.
Learns from corrections
Three quarters of Fio transactions lack a payee name. Once corrected in the budget, BankSync remembers the rule. Card merchant names are extracted from transaction descriptions, keeping the budget readable without manual edits.
Exceptions report themselves
Repeated messages and downloads never create duplicates. Sync failures trigger a phone alert. A two-factor-protected admin interface shows transactions, transfers, sync history and learned rules.
What does this mean for your project?
Perhaps you also have an automation that works until something changes: a chain of steps in a tool like n8n or Make, with a spreadsheet of rules on the side. BankSync replaced a chain like that, more than 25 steps long, with a single service we can test, monitor and fix. It has run in production since April 2026: it moves bank transactions into a budget or the accounting records, never records anything twice and sends a phone alert when a sync fails. If your payments, orders or invoices depend on a similarly fragile chain, it can be replaced with one tool that is clear from day one about what to do with an exception and who gets told.
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