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Overview

Kualia uses Plaid to securely connect to your bank and import transactions automatically. This eliminates manual data entry and keeps your budget up to date.

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Supported Countries

Kualia currently supports bank connections in:
  • United States 🇺🇸
  • Canada 🇨🇦
Support for additional countries may be added in the future.

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How It Works

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Connecting Your Bank

1

Start the connection

Go to Accounts and select “Connect Bank” (or “Link Account”).
2

Search for your bank

Plaid’s secure interface lets you search for your financial institution.
3

Log in to your bank

Enter your bank credentials directly in Plaid’s secure window. Kualia never sees your bank login credentials.
4

Select accounts

Choose which accounts to link - checking, savings, credit cards, etc.
5

Done

Your accounts appear in Kualia and transactions start importing.

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What Gets Imported

When you connect your bank, Kualia imports:
  • Account balances - updated regularly
  • Transactions - new transactions are synced automatically
  • Institution details - bank name and logo

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Transaction Sync

After the initial connection, Kualia receives webhook notifications from Plaid whenever new transactions are available. The sync process:
  1. Plaid notifies Kualia of new data
  2. Kualia fetches added, modified, and removed transactions
  3. New transactions are imported and auto-categorized
  4. Modified transactions are updated
  5. Removed transactions are handled appropriately

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Smart Features

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Auto-Categorization

Imported transactions are automatically categorized based on:
  • Your categorization history for the same merchant
  • AI-powered merchant classification
  • Merchant name matching

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Merchant Recognition

Kualia maintains a merchant database that:
  • Cleans up raw bank descriptions into readable names
  • Displays merchant logos when available
  • Remembers your preferred category for each merchant

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Duplicate Detection

When you connect your bank, Kualia detects potential duplicates between:
  • Manually entered transactions and imported ones
  • Pending and posted versions of the same transaction
You can approve or reject suggested matches.

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Connection Health

Each bank connection has a health status:
StatusMeaning
HealthyConnection is working normally
ErrorThere’s an issue that needs attention
PendingInitial setup in progress
DisconnectedConnection lost, re-authentication needed
If your connection shows an error, you may need to re-authenticate through Plaid. This can happen when your bank requires periodic re-verification.

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Security

  • Kualia uses Plaid, a trusted financial data platform used by thousands of apps
  • Your bank credentials are entered directly into Plaid’s secure interface
  • Kualia never stores your bank username or password
  • Data is encrypted in transit and at rest
  • You can disconnect your bank at any time

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Disconnecting

To disconnect a bank:
  1. Go to your account settings
  2. Find the bank connection
  3. Select disconnect
Disconnecting stops future syncs but keeps your existing transaction history.