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Pluggy.ai Setup

Create CLIENT ID and CLIENT SECRET for Actual​

  1. Create an account at https://pluggy.ai.

  2. Sign in to the Pluggy Dashboard and create a new team.

  3. In the Pluggy Dashboard, create an Application before generating API keys:

    • Click Applications in the top bar and create a new application.
    • Once created, you will see the Client ID and Client Secret.

  4. Store both values securely. You will need them in Actual.

Setup Meu Pluggy​

Meu Pluggy is a free integration provided by Pluggy.ai for developers. You need to sync your bank using this tool to access it for free.

  1. Visit Meu Pluggy and log in or sign up.
  2. Follow the instructions provided on the official github repository.
info

Please note, you will only be able to connect your account to meu.pluggy.ai while your pluggy.ai trial period is active so please complete this step promptly. Once the trial period lapses, the account will remain connected but the connector list configuration will not be editable.

  1. After completing the steps in item 2, return to the Pluggy Dashboard. Go to the application you created and click "Ir para Demo" to open the demo app.
  2. In the top right corner, open the three-dot menu. Open it and click Copiar Item ID from your bank sync to the clipboard. You'll need this to complete your Pluggy.ai bank sync setup.

Set Up Pluggy in Actual​

Pluggy integration is experimental at this point, so before you can use it you need to enable it under Settings -> Advanced Settings -> Experimental Features -> Pluggy.ai Bank Sync

  1. In Actual, click "+ Add account" at the bottom of the sidebar.

    The sidebar with the Add account button at the bottom highlighted

  2. Select Set up bank sync. This opens the Bank Sync page in Settings.

    The Add account dialog with the Set up bank sync button highlighted

  3. Under Providers, click Set up on the Pluggy.ai card.

    The Providers section of the Bank Sync page with Set up on the Pluggy.ai card highlighted

  4. In the dialog that appears, enter:

    • Client ID: From your Pluggy Dashboard
    • Client Secret: From your Pluggy Dashboard
    • Item IDs: Comma-separated if entering more than one
    The Set-up Pluggy.ai dialog with empty Client ID, Client Secret and Item Ids fields

  5. Click Save and continue. The credentials will be securely stored on the server.

  1. In Actual, link a bank account (existing or new):

    • For an existing account, click it, then click the ... (kebab menu) and choose Link account.

      The account menu with Link account highlighted

    • For a new account, click "+ Add account" in the sidebar, then Set up bank sync.

      The sidebar with the Add account button at the bottom highlighted

  2. Click Link bank account on the Pluggy.ai card.

    The Link account dialog with Link bank account on the Pluggy.ai card highlighted

  3. A list of accounts from your Pluggy connection will appear.

  4. Click Set up bank sync next to the one you want to sync.

    The Link Accounts dialog listing Pluggy.ai accounts, with one Set up bank sync button highlighted

Pluggy Notes & Limitations​

  1. Item IDs are associated with user-authorized connections and will expire if access is revoked or the token expires.
  2. Use the sandbox environment for testing — test credentials are available in the Pluggy Docs.
  3. Data refresh frequency may vary by financial institution.

Resetting Pluggy Credentials​

To reset your Pluggy connection:

  1. In Actual, click Add Account.
  2. Next to "Set-up Pluggy for bank-sync", open the three-dot menu.
  3. Click Reset Pluggy credentials.

You'll then need to generate a new API key and obtain a new Item ID to reconnect.