Question 1

How do I connect my bank account?

Accepted Answer

Click "Connect" and select your bank. You'll be redirected to your bank's secure Open Banking consent page via CDR (Consumer Data Right). Your login credentials are never shared with Redbark — we only receive the data you explicitly consent to share.

Question 2

How long does setup take?

Accepted Answer

Most users are up and running in under 5 minutes. Connect your bank, choose a destination like Google Sheets or You Need a Budget, and your first sync runs automatically.

Question 3

Which banks are supported?

Accepted Answer

We support 100+ Australian banks, credit unions, and neobanks through CDR Open Banking — including CommBank, Westpac, ANZ, NAB, Macquarie, ING, Up, and many more.

Question 4

Do you store my bank data?

Accepted Answer

No. Redbark uses a pass-through architecture. Transactions are proxied live from the bank to the destination you chose. We store consent records, encrypted tokens, and account metadata. We never store transaction amounts, descriptions, merchants, or balances.

Question 5

How is my data protected?

Accepted Answer

All tokens are encrypted at rest using AES-256-GCM with unique random IVs. Our infrastructure providers hold SOC 2 Type II certifications: Cloudflare, PlanetScale, Clerk, Stripe, Datadog. Error reports and logs are scrubbed for CDR and PII fields before they leave our runtime. The application itself was penetration tested in July 2026 by Project Black, a CREST-accredited Australian security firm, with zero critical and zero high-risk findings.

Question 6

Are you registered under the Consumer Data Right?

Accepted Answer

Yes. Redbark (SKINT AI Pty Ltd) is a CDR Representative of Fiskil Pty Ltd (ADR accreditation ADRBNK000246). Our appointment is on the ACCC public register at cdr.gov.au/find-a-provider under Fiskil’s entry.

Question 7

Can I withdraw my consent?

Accepted Answer

Yes, at any time, through Fiskil’s consent dashboard at consents.fiskil.app. Fiskil is the accredited data recipient and manages consent withdrawal under the CDR Rules. Withdrawal is real-time: it revokes data access at the bank, disables dependent syncs, and deletes the connection data. CDR Rule 4.16 requires this to be as easy as giving consent.

Question 8

How often do transactions sync?

Accepted Answer

Syncs are triggered automatically by your bank via webhooks whenever new data is available, within hours of a transaction posting. You can also trigger a manual sync at any time.

Question 9

Will I get duplicate transactions?

Accepted Answer

No. Every sync uses intelligent ID-based deduplication with overlap buffers to catch late-posting transactions. Even if a sync runs twice, you'll never see duplicate rows.

Question 10

Can I sync the same account to multiple destinations?

Accepted Answer

Yes. You can sync a single bank account to Google Sheets, You Need a Budget, and Actual Budget simultaneously — each with its own formatting and configuration.

Sync Co-operative Bank transactions

From Co-operative Bank to your destination in three steps

Connect Co-operative Bank

Choose your destination

Watch transactions flow

Frequently Asked Questions

Getting started

Security & privacy

Syncing

Sync Co-operative Bank to…

Co-operative Bank → Google Sheets

Co-operative Bank → Airtable

Co-operative Bank → YNAB

Co-operative Bank → Notion

Co-operative Bank → Claude

Co-operative Bank → ChatGPT

Co-operative Bank → REST API

Co-operative Bank → Actual Budget

Co-operative Bank → Sure

Co-operative Bank → Firefly III

Other new zealand banks

ANZ NZ

ASB

BNZ

Heartland

Kiwibank

Rabobank NZ

Ready to automate your financial tracking?