How bank syncing works
Fully automatic, on a schedule your bank sets more than we do.
The rhythm
Endute checks each connected account on a schedule. For most banks that means a refresh roughly every six hours; some allow every two or three. There is no button to press and nothing to remember. The interval varies because banks cap how often data can be fetched under open banking rules, some at a handful of times a day, and Endute paces itself to stay inside each bank's limit rather than burning the budget early and going dark.
Each fetch also looks back a week, not just since the last check. Banks sometimes book transactions with dates in the past; the overlap makes sure those late arrivals are caught rather than falling between two syncs.
Expect eventual freshness, not real time
Where new transactions go
Synced transactions land in your review queue, surfaced on the Pending Review dashboard card, with categories, payees and types already suggested. The exception is payees you have promoted to auto-import rules: their transactions skip review and go straight into the ledger with a category applied automatically. The payees guide covers how to set those up.
Balances between refreshes
The balance on a connected account is the one your bank last reported; hover over it and Endute tells you exactly when that was. Between refreshes, if you add manual transactions that the bank does not know about yet, a second line marked Est: shows the bank balance adjusted for them, so the number you plan against includes what you know is coming.
If a bank stops reporting for a week, Endute switches to the balance calculated from your own transactions and shows a Bank data stale notice, because a silently outdated number is worse than a calculated one that says so. Stale data usually means the connection needs attention; the troubleshooting guide maps each warning to its fix.
The one switch
Automatic syncing can be turned off entirely in App Settings under Data Syncing, with the Enable Automatic Syncing switch. With it off, the scheduled fetching stops and no new transactions arrive until you switch it back on, though balances may still refresh when you view an account. Most people never touch it, and that is the intended experience: syncing is plumbing, and plumbing should be boring.
What next
Your bank shared months or years of history when you connected; the importing history guide explains how to bring it in. And if a sync seems to have missed something, tell support which transaction and which account; missing-transaction reports get investigated properly, not shrugged at.