ATB Financial logo

Best Budget App for
ATB Financial

Link your ATB Financial accounts to Waypoint Budget 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.

Get Started Free

No credit card · Free plan forever · Read-only connection

Connection

Plaid + Flinks (auto-routed)

Waypoint Budget picks the more reliable provider for ATB automatically.

Account types

4 supported

Chequing · Savings · Mastercard · Line of Credit

Access level

Read-only

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

Built around how you use ATB

Waypoint Budget is a full budgeting app, not a spending chart bolted onto your banking app.

Automatic transaction sync

Every ATB transaction lands in Waypoint Budget 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.

Smart 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 move.

Connect ATB in under a minute

1

Create your free Waypoint Budget account

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

2

Search for "ATB" and authorize

Waypoint Budget routes you through Plaid + Flinks (auto-routed), the same secure bank-data provider used by major fintechs. You log in with your ATB credentials. Waypoint Budget 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 Budget uses bank-grade connections through Plaid + Flinks (auto-routed), the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint Budget, and the connection is read-only.

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

FAQs about ATB + Waypoint Budget

Does Waypoint Budget sync with ATB Financial?
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ATB Financial is a Crown corporation owned by the Government of Alberta, and it is supported through both of our banking partners, so Waypoint Budget tries the path that syncs quietly in the background first and keeps the other one as a fallback. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which ATB account types are supported?
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Waypoint Budget 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 Budget safe?
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Yes. Waypoint Budget never sees or stores your ATB login. The connection goes through Plaid + Flinks (auto-routed), 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?
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Waypoint Budget's free plan covers manual entry, CSV and PDF statement import, receipt scanning and every budgeting feature, and it stays free. Automatic ATB sync is on Waypoint Plus (CA$7.99/mo, 1 bank connection) and Waypoint Pro (CA$12.99/mo, 5 bank connections, plus net worth and household budgeting). Paid plans start with a free trial.
What if my ATB connection ever breaks?
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Waypoint Budget will surface the issue inside the app and walk you through a one-tap reconnect. Since ATB is supported through both Plaid and Flinks, Waypoint can also fall back to the other provider automatically.

Other Canadian banks supported in Waypoint Budget

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 plan forever. No credit card. Your ATB accounts connect in under a minute on Waypoint Plus or Pro.

Get Started Free

4.6/5 on Trustpilot