National Bank of Canada logo

Best Budget App for
National Bank of Canada

Link National Bank of Canada accounts and budget across both your everyday spending and your World Elite Mastercard rewards. Connections route through Flinks for the strongest Canadian coverage.

No credit card · Free forever · Read-only connection

Connection

Flinks

Waypoint connects to National Bank through Flinks for the most stable sync.

Account types

4 supported

Chequing · Savings · Credit Card · Line of Credit

Access level

Read-only

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

Built around how you actually use National Bank

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

Automatic transaction sync

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

Smart category rules

Recurring National Bank merchants learn your categories once and stay sorted forever.

Real budget tracking

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

AI Money Coach

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

Household sharing

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

Net worth and goals

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

Connect National Bank in under a minute

1

Create your free Waypoint account

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

2

Search for "National Bank" and authorize

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

3

Pick the accounts you want to budget

Bring in any of your Chequing, Savings, Credit Card 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 National Bank login stays at National Bank

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 National Bank + Waypoint

Does Waypoint actually sync with National Bank of Canada?
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National Bank of Canada is supported in Waypoint through Flinks, which has direct partnerships with most major Canadian institutions. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which National Bank account types are supported?
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Waypoint supports Chequing, Savings, Credit Card, Line of Credit from National Bank of Canada. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting National Bank to Waypoint safe?
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Yes. Waypoint never sees or stores your National Bank 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 National Bank?
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The free tier of Waypoint lets you connect one bank including National Bank of Canada. 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 National Bank connection ever breaks?
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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 logoCIBCTangerine logoTangerine

Start budgeting your National Bank accounts today

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