What syncs and what doesn't

Open banking is generous but not unlimited. Here is exactly what a bank connection brings in, and where the edges are.

What a bank connection pulls

Bank connections only pull your Checking/Current, Savings, Credit Card and Loan accounts, where your institution exposes them. That last clause carries real weight: banks decide what they share over open banking, and two banks with identical products can expose different slices of them. For each shared account you get the balance and the transaction feed, plus whatever history your bank makes available at connection time.

What connects another way

Investments and brokerages have their own connection flow, Link Investments (currently in beta), because they sync holdings and activity rather than just cash. If your bank lists an investment account alongside your current account, the bank connection deliberately leaves it out so it can be tracked properly in the securities system.
Anything your bank does not expose can still live in Endute as a manual account. Manual accounts join budgets, reports and net worth exactly like connected ones; the only difference is who types the transactions.

The edges, made visible

Three situations look like "missing data" but are the bank's sharing rules at work, and Endute surfaces each one rather than leaving you guessing:

Unsupported account types. When your bank shares an account Endute cannot import, we tell you with a count, at connection time and again on the connection card in Manage Connections. If the note says one account was not added and you can name the one you are missing, that is your answer.
Balance-only accounts. Savings pots and spaces sync their balance but not transactions, because banks do not share pot activity over open banking. The matching spending shows on the main account the pot belongs to.
Accounts you did not authorise. The sharing choice happens at your bank during connection. An account you skipped there, or opened later, is invisible to Endute until you share it: see opened an account after connecting below.

Why we show counts, not account types

When accounts are held back, Endute reports how many, not what kind. That is deliberate: banks do not always tell us what an unshared account was, and guessing would turn an accurate count into a wrong promise. If the count does not match your expectations, support can look at the specific connection.

Opened an account after connecting?

Your bank shares the accounts you chose when you connected, and a new one is not added by itself. To add it, click Add accounts on that bank's card in Manage Connections. You'll log in to your bank again and choose which accounts to share.

Choose every account you want in Endute, not just the new one. Accounts you choose again keep their history and settings, as long as your bank keeps the same account details (almost always); the new one is ready to set up when you come back. If an account you already had comes back as new, leave it unlinked and tell us.
Nothing changes until you finish at your bank. If you stop halfway, your connection carries on as it was.
An account you leave out stays on your existing connection and keeps syncing, so the bank then shows as two connections.
Some accounts, such as savings pots at some banks, are not shared over open banking at all, so your bank may not offer them.
While a connection is due for a confirmation, or shows Reconnect, do that first; Add accounts comes back afterwards. It is on the web app for now.

At some US and Canadian banks a new account arrives by itself: we send you a message when it is ready to set up.

A note on loans and unclear types

Loan accounts shared by banks arrive without automatic mapping: they need details (rates, repayment type) that a bank feed does not carry, so Endute asks you to set the account up during mapping rather than guessing. Similarly, when a bank declines to say what type an account is, it is created as a current account with a note inviting you to correct it. Both are cases of the same policy: your net worth is too important for silent guesses.

What next

For the connection flow itself, see Connecting your bank. For coverage by country and institution, see the bank coverage page.