Is Co-operative Bank supported?

Yes. The Co-operative Bank connects through Akahu, the New Zealand open banking platform, so you can link your accounts and start syncing in minutes.

How often does Co-operative Bank sync to Actual Budget?

Syncs are event-driven: Akahu notifies Redbark via webhooks and regular refreshes when new Co-operative Bank data is available, and your Actual Budget updates soon after, within a few hours of a transaction posting, with no fixed polling schedule.

Is my Co-operative Bank connection read-only?

Yes. Akahu connections are read-only. Redbark can read transactions and balances, and can never move money or change your Co-operative Bank accounts.

Does Redbark store my Co-operative Bank data?

No. Redbark uses a pass-through architecture: your Co-operative Bank transactions are proxied live to Actual Budget. We store consent records, encrypted tokens and minimal account metadata, never transaction amounts, descriptions or balances.

Is Redbark independently security tested?

Yes. Redbark was penetration tested in July 2026 by Project Black, a CREST-accredited Australian security firm, covering the web app, REST API, MCP server and admin console. The test returned zero critical and zero high-risk findings, and every finding raised was remediated and confirmed closed on retest.

Does Actual support Australian and New Zealand banks like Co-operative Bank?

Actual ships GoCardless, Pluggy.ai and SimpleFIN, none of which covered Australia or New Zealand. Redbark implements SimpleFIN with Akahu open banking data, so Actual reaches Co-operative Bank through the provider it already has.

Where does my Co-operative Bank data live?

In your own Actual instance. Redbark proxies Co-operative Bank data live at the moment Actual asks for it and keeps no copy of your balances or transactions.

New Zealand · Self-hosted budgeting

Sync Co-operative Bank to Actual Budget

Sync Co-operative Bank transactions into Actual Budget over Akahu open banking. Redbark serves your accounts over SimpleFIN, one of the bank-sync providers Actual ships with, so there is nothing extra to run.

Connect Co-operative Bank free See pricing

No credit card required

Everyday Account

The Co-operative Bank

Savings Account

The Co-operative Bank

Credit Card

The Co-operative Bank

My Budget

Account: Checking

SyncingLast synced: 2 min ago

Self-hosted budgeting

Co-operative Bank transactions in Actual Budget

Actual pulls Co-operative Bank accounts, balances and transactions straight from Redbark through its built-in SimpleFIN provider. Every transaction carries a stable imported ID, so re-syncs update rather than duplicate.

Get started

Sync Co-operative Bank to Actual Budget in three steps

Connect Co-operative Bank

Link your Co-operative Bank accounts to Redbark through Akahu open banking, then generate a SimpleFIN setup token in Settings.

Configure SimpleFIN in Actual

In Actual, open Settings, scroll to Bank Sync, and set up SimpleFIN. Paste the Redbark setup token and save. Actual claims it once and keeps its own private credentials.

Link your accounts

Click Link bank account, pick the Co-operative Bank accounts you want, and give each one a starting date and opening balance. Actual pulls transactions from there on.