ATB Financial logo

Best Budget App for
ATB Financial

Link your ATB Financial accounts to Waypoint for a budget that works as well in Alberta as the Big 6 do nationally. ATB chequing, savings, and Mastercards all flow into Waypoint automatically.

No credit card · Free forever · Read-only connection

Connection

Flinks

Waypoint connects to ATB through Flinks for the most stable sync.

Account types

4 supported

Chequing · Savings · Mastercard · Line of Credit

Access level

Read-only

Waypoint can see transactions but can never move money in or out of ATB.

Built around how you actually use ATB

Waypoint is a full budgeting app — not just a spending chart bolted onto your banking app.

Automatic transaction sync

Every ATB transaction lands in Waypoint within minutes, categorized and ready to review.

Smart category rules

Recurring ATB merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your ATB spending fits each category — no spreadsheets.

AI Money Coach

Ask questions about your ATB spending and get answers in plain English.

Household sharing

If your partner also banks with ATB, share your budget without sharing logins.

Net worth and goals

Track ATB balances over time and set savings goals that actually move.

Connect ATB in under a minute

1

Create your free Waypoint account

No credit card. Sign up with email, Apple, or Google.

2

Search for "ATB" and authorize

Waypoint routes you through Flinks, which is the same secure bank-data provider used by major fintechs. You log in with your ATB credentials — Waypoint never sees them.

3

Pick the accounts you want to budget

Bring in any of your Chequing, Savings, Mastercard accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your ATB login stays at ATB

Waypoint uses bank-grade connections through Flinks — the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about ATB + Waypoint

Does Waypoint actually sync with ATB Financial?
+
ATB Financial is a Crown corporation owned by the Government of Alberta, and Waypoint connects to it through Flinks for the most stable integration. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which ATB account types are supported?
+
Waypoint supports Chequing, Savings, Mastercard, Line of Credit from ATB Financial. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting ATB to Waypoint safe?
+
Yes. Waypoint never sees or stores your ATB login. The connection goes through Flinks — the same bank-data providers used by major fintechs — and is read-only. We can never move money.
How much does it cost to connect ATB?
+
The free tier of Waypoint lets you connect one bank including ATB Financial. The Plus plan (CA$7.99/mo) adds the AI Money Coach, advanced reports, and 5 years of history. The Pro plan (CA$12.99/mo) bumps you to 5 bank connections and adds net worth and household budgeting.
What if my ATB connection ever breaks?
+
Waypoint will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control — your data stays put while the connection is being restored.

Other Canadian banks supported in Waypoint

Connect more than one to see your full picture.

TD Canada Trust logoTDRBC Royal Bank logoRBCBMO Bank of Montreal logoBMOScotiabank logoScotiaCIBC logoCIBCNational Bank of Canada logoNational Bank

Start budgeting your ATB accounts today

Free forever. No credit card. Your ATB accounts can be connected in under a minute.