Overview - Finta

The Finta API lets you read your stored financial data, including accounts, transactions, balances, holdings, investment activity, and bank connections, from any HTTP client or script. It also supports a focused set of writes: managing manual accounts (create, update, and close accounts you track by hand, including liability accounts like credit cards, student loans, and mortgages), creating and editing manual categories, recategorizing transactions, and managing rules. See the OpenAPI reference for every endpoint.

Base URL: https://api.finta.io/v2
Format: JSON
Authentication: Bearer token (API key or OAuth access token)

Manual accounts

Most accounts in Finta sync automatically from a connected bank. Manual accounts are ones you maintain yourself: cash, a property, a private loan, or a credit card you’d rather track by hand.

POST /accounts creates a manual account. Set currentBalance to the amount owed for liabilities, and pass a liability object (type of credit, student, or mortgage) to record debt details.
PATCH /accounts/{accountId} updates the name, type, currency, balance, or liability data. Updating the balance records a balance-history snapshot for that day.
DELETE /accounts/{accountId} closes the account (soft delete): it moves to closed status but keeps its transactions and balance history.

Only manual accounts can be created, updated, or deleted. Bank-synced accounts are read-only and return 400 on a write. Manual account changes automatically sync to any connected destinations (Airtable, Notion, Google Sheets, etc.) the account is linked to. If your API key (or OAuth client) is scoped to a specific set of accounts, an account it creates is automatically added to that allowlist, so the same credential can read and manage it right away.

Requirements

Requirement	Details
Active trial or subscription	API access is available during the free trial and on Standard and Pro plans.
Storage Mode	The v2 API reads from data Finta has already synced and stored. Creating an API key from the dashboard enables Storage Mode automatically.
API key or OAuth access token	Generate an API key from API settings, or use an OAuth access token issued to an app you’ve authorized.

Rate limits

Limits are per user and separate from MCP’s.

Plan	Per minute	Per day
Standard	20 requests	500 requests
Pro	60 requests	2,000 requests

The free trial gets Standard limits, or Pro limits if you’re trialing Pro. Requests that exceed the limit return 429 RATE_LIMITED. The response carries a Retry-After header with the number of seconds to wait before retrying.

Errors

Most errors use a structured envelope:

{
  "error": {
    "code": "STORAGE_MODE_REQUIRED",
    "message": "Storage mode must be enabled to use the v2 API"
  }
}

Code	HTTP	When
`BAD_REQUEST`	400	Invalid parameters or body
`STORAGE_MODE_REQUIRED`	403	Storage mode is off
`SUBSCRIPTION_REQUIRED`	403	Subscription inactive or canceled
`NOT_FOUND`	404	Resource missing or not owned by the caller
`RATE_LIMITED`	429	Rate limit exceeded
`PROVIDER_UNAVAILABLE`	502	Upstream provider error
`INTERNAL_ERROR`	500	Unexpected server error

401 responses use a plain string rather than the envelope:

{ "error": "Missing or invalid Authorization header" }

OpenAPI spec

The full OpenAPI spec is available at:

https://api.finta.io/v2/openapi.json

​Manual accounts

​Requirements

​Rate limits

​Errors

​OpenAPI spec

Manual accounts

Requirements

Rate limits

Errors

OpenAPI spec