Bank Connections
Bank connections let Tally Up automatically fetch transactions from your bank accounts and investment platforms. Rather than importing files manually, you connect a provider once and Tally Up keeps your assets up to date in the background.
Supported providers
Section titled “Supported providers”| Provider | Best for |
|---|---|
| Interactive Brokers | Investment and brokerage accounts at IBKR |
| Lunch Flow | Worldwide bank accounts via Lunch Flow’s open banking aggregator |
Each provider requires a short one-off setup in the provider’s own website, after which Tally Up handles syncing automatically.
How it works
Section titled “How it works”Bank connections have three layers:
- A saved connection — stores the provider type, an optional name, and the last-known status. This record syncs across your devices via iCloud so that all your devices know a connection exists.
- Credentials — your API key or access token, stored in the secure Keychain on each device. Credentials are never uploaded to any server and do not sync to other devices. If you sign in on a second device, you enter the credentials there too.
- Linked assets — each bank account is linked to a Tally Up asset. One saved connection can serve multiple accounts (and therefore multiple assets) at the same provider.
Setting up a connection
Section titled “Setting up a connection”1. Add a saved connection
Section titled “1. Add a saved connection”Open Settings → Bank Connections and tap Add Connection.
Select a provider, give the connection an optional name, then enter the credentials for that provider. Tap Test Connection to verify the credentials work, then tap Save Connection.
See the provider-specific guides for what credentials you need and how to obtain them:
2. Link the connection to an asset
Section titled “2. Link the connection to an asset”Once you have a saved connection, open the asset you want to link and go to its editor. In the Banking section, select the saved connection and then choose which account at that provider maps to this asset.
Each asset links to exactly one account. If you have multiple accounts at the same provider — for example, a cash account and an investment account — set up one asset per account and point each asset at the right account within the same saved connection.
Institution logos
Section titled “Institution logos”Tally Up shows the real logo for many banks and brokerages next to an asset, in place of the generic icon.
- Linked assets — once an asset is linked to a bank connection, its logo appears automatically. There is nothing to set up.
- Manually tracked assets — if you are not using a bank connection, enter the institution’s name in the Bank field in the asset’s Banking section. Tally Up looks this up the same way and shows a matching logo. Renaming or clearing the Bank field updates or removes the logo the next time you save.
If an institution is not recognised, Tally Up falls back to the standard icon for that asset type. This is expected for less common institutions and is not an error.
Logos are provided by Logo.dev and cached on your device.
Automatic refresh
Section titled “Automatic refresh”Settings → Bank Connections includes an Enable Background Refresh toggle. When this is on, Tally Up fetches new transactions automatically:
- On launch — when you open the app, linked assets are refreshed.
- Periodically — Tally Up schedules background refreshes while the app is not in use.
Turning this off stops all automatic syncing. You can still trigger a manual refresh at any time by opening an asset’s transactions screen and tapping the ↺ button in the toolbar.
You can see the last sync time and health of each provider in Settings → Bank Connections under Provider Status.
Managing connections
Section titled “Managing connections”Testing a connection
Section titled “Testing a connection”In Settings → Bank Connections, tap a saved connection and then Test Connection. Tally Up authenticates with the provider and shows success or an error message.
Revoking credentials
Section titled “Revoking credentials”If you want to remove your credentials from this device without deleting the connection record, tap Revoke Connection. The connection metadata remains (and continues syncing via iCloud) but no further syncing happens on this device until credentials are entered again.
Deleting a connection
Section titled “Deleting a connection”Tap Delete Connection to remove the saved connection entirely. Assets that were linked to it will show as disconnected — their existing transactions are not affected, but automatic syncing stops.
Credentials and privacy
Section titled “Credentials and privacy”- By connecting a provider, you authorise Tally Up to retrieve the account, balance, and transaction data made available through that provider. Your use of the provider, including any connection it maintains with your bank or brokerage, remains governed by the provider’s terms and privacy policy.
- Credentials (API keys, access tokens, and query identifiers) are stored in the device Keychain only. They are sent directly to the selected provider when required to authenticate a request, but are never sent to Tally Up’s servers or shared with unrelated third parties.
- Retrieved financial data is stored in Tally Up to support transaction history, balances, reports, and forecasts. Imported transactions and related metadata may sync across your devices through your private iCloud account.
- The saved connection record (provider name, status, timestamps) syncs via iCloud, but contains no credentials.
- On a second device, you will see the saved connection listed but marked Credentials required on this device. Enter your credentials there to enable syncing on that device.
Tally Up does not initiate bank connections, payments, transfers, withdrawals, or trades through these integrations. You can stop future access by revoking the connection in Tally Up or by deleting, rotating, or regenerating the relevant credential in the provider’s service. Revoking access does not delete data already imported into Tally Up.
See Privacy and your data for more information about local processing and iCloud sync.
Balance reconciliation
Section titled “Balance reconciliation”When a bank connection reports an account balance, Tally Up treats that reported balance as the asset’s current value. Imported transactions are stored separately and the transaction list uses the current asset balance as the running-balance anchor.
Tally Up no longer creates a separate pending-balance adjustment when the transaction history and the reported balance differ. This avoids stale balance updates when multiple devices sync the same account before iCloud has finished propagating all transaction changes.
If the balance looks wrong, use Reconcile from File on the asset’s Transactions screen to compare the app’s transactions with a CSV or QIF statement. Reconciliation is read-only: it highlights transactions that appear only in the app or only in the file, but it does not import, edit, or delete transactions.
Common causes of a difference include transactions that are not covered by your Flex Query sections (IBKR), accounts in Lunch Flow whose reported balance includes pending items, a sync window that does not reach far enough back to capture all activity, or banks whose balance as reported by the aggregator includes accrued interest or earnings before those amounts have been paid out as discrete transactions.
Duplicate prevention
Section titled “Duplicate prevention”Tally Up tracks every imported transaction using a unique identifier provided by the bank or a deterministic fingerprint derived from the transaction details. Re-syncing the same date range will not create duplicate transactions — existing ones are matched and updated instead.
This deduplication works across devices: if two devices both sync the same account, the same transaction will not be inserted twice.