Is Heartland supported?

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

How often does Heartland sync to Actual Budget?

Syncs are event-driven: Akahu notifies Redbark via webhooks and regular refreshes when new Heartland 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 Heartland connection read-only?

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

Does Redbark store my Heartland data?

No. Redbark uses a pass-through architecture: your Heartland 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 Heartland?

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 Heartland through the provider it already has.

Where does my Heartland data live?

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

New Zealand · Self-hosted budgeting

Sync Heartland to Actual Budget

Sync Heartland 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 Heartland free See pricing

No credit card required

Everyday Account

Heartland Bank

Savings Account

Heartland Bank

Credit Card

Heartland Bank

My Budget

Account: Checking

SyncingLast synced: 2 min ago

Self-hosted budgeting

Heartland transactions in Actual Budget

Actual pulls Heartland 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 Heartland to Actual Budget in three steps

Connect Heartland

Link your Heartland 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 Heartland accounts you want, and give each one a starting date and opening balance. Actual pulls transactions from there on.