Sync your bank to Wealthfolio: an open-banking.io addon

Wealthfolio is a gorgeous, local-first, privacy-respecting portfolio tracker for your desktop. It's a natural fit for anyone who wants their financial data to stay on their own machine — which is exactly why it deserves real EU/UK bank sync without shipping your data to a US aggregator.

This guide installs an official-style Wealthfolio addon that syncs your bank balances and transactions from open-banking.io. It covers 2,600+ EU/UK banks (including the Hungarian, Nordic, and long-tail banks the big aggregators miss), needs no PSD2/eIDAS certificate, and is zero-knowledge: your data is decrypted locally, inside Wealthfolio's addon sandbox, with a key only you hold.

It was built in direct response to Wealthfolio issue #1251 (native PSD2/Open Banking support for European banks).

What you'll need

  • Wealthfolio 3.6.2 or newer.
  • An open-banking.io account with at least one bank connected (from ~€3/month).

Install the addon

Download the latest …-addon-<version>.zip from the addon's releases page.

In Wealthfolio: Settings → Addons → Install from file, and pick the zip. A new Bank Sync entry appears in the sidebar.

Prefer to build it yourself? It's open source:

git clone https://github.com/open-banking-io/wealthfolio-openbanking-io-sync
cd wealthfolio-openbanking-io-sync
pnpm install
pnpm bundle        # produces the installable zip in dist/

Connect

  1. In open-banking.io, connect your bank(s) and export your credentials.json (API key + encryption key).
  2. Open Bank Sync in the Wealthfolio sidebar.
  3. Paste the contents of credentials.json and click Save credentials. They're stored in Wealthfolio's encrypted addon secret store — never in plain settings, never committed anywhere.

Sync

Choose how many days of history to import, leave Create missing accounts on for the first run, and click Sync now.

The addon will:

  • Create a cash account in Wealthfolio for each connected bank account.
  • Import your transactions as activities: incoming → deposit, outgoing → withdrawal.
  • Prefer booked balances over available ones, so your net worth reflects settled money.

Each imported activity keeps the source transaction id in its comment ([obio:…]) so re-syncs stay traceable.

What it can access — and what it can't

The addon declares exactly four permissions, each with a plain-language reason you approve on install:

Permission Why
network (open-banking.io hosts only) Fetch your encrypted balances and transactions
secrets Store your credentials in Wealthfolio's encrypted secret store
accounts List accounts and create a cash account per bank account
activities Import your transactions

Network calls go through Wealthfolio's brokered network API, which only allows the hosts declared in the addon manifest — the addon has no unrestricted internet access.

Zero-knowledge, all the way down

open-banking.io seals every sensitive field in an envelope (ECDH-P256 → HKDF-SHA256 → AES-256-GCM) that only your private key can open. The service stores ciphertext it cannot read. This addon decrypts inside the Wealthfolio sandbox on your own device — the same scheme as the official @open-banking-io/client SDK. Your key and your plaintext never leave your machine, and never reach open-banking.io.

The addon is MIT-licensed and fully open source: github.com/open-banking-io/wealthfolio-openbanking-io-sync.

Self-hosting open-banking.io

Running open-banking.io on your own domain? Add your host to network.allowedHosts in the addon's manifest.json and rebuild — the sandbox only reaches the hosts you declare.

Why open-banking.io

  • 2,600+ EU/UK banks, including the ones aggregators skip.
  • No certificates — no PSD2 licence, no eIDAS QWAC. Just a credentials file.
  • Zero-knowledge — the service can't read your data; only you can.
  • From ~€3/month, built for individuals and self-hosters.

Get started with open-banking.io →