How does synchronization work?
Finary does not connect directly to your institution. We rely on data aggregators, whose role is to retrieve information from financial institutions and transmit it to us.
Synchronization via API
When possible, aggregators use the official APIs provided by banks under the PSD2 framework.
However, these APIs only cover a portion of existing accounts. For many institutions or account types, aggregators therefore have to rely on alternative methods such as web scraping.
Synchronization via web scraping (direct access)
Web scraping consists of simulating a “human” connection: the tool logs into your customer area exactly as you would yourself, navigates through the pages, and extracts the visible information (balances, transactions, holdings, etc.).
This data retrieval method is, by definition, subject to changes made by the institutions.
Why can a synchronization fail?
Several reasons can explain a synchronization issue, including:
Maintenance or temporary unavailability at your financial institution
A change in the interface or security rules (new authentication method, additional step, change in user flow)
→ in the case of web scraping, even a minor change can interrupt synchronizationA technical incident on the aggregator’s side
Restrictions or intentional blocks put in place by certain institutions, which limit or prevent automated access to data
In these situations, synchronization may be partially or completely blocked, with no immediate action possible on Finary’s side.
What to do in case of an issue?
We recommend that you:
Check that your credentials are still valid
Make sure no action is required on the institution’s side (security validation, confirmation, re-authentication) by logging into your institution via a web browser (not via a mobile app)
Retry synchronization after a few hours or a few days, allowing time for the situation to be resolved
Our teams closely monitor these topics and work continuously with our partners to restore connections as quickly as possible.