Simplii Financial logo

Best Budget App for
Simplii Financial

Link Simplii Financial chequing, savings, and Cash Back Visa to Waypoint and let auto-categorization do the budgeting work. Simplii's no-fee accounts pair well with Waypoint's free tier.

No credit card · Free forever · Read-only connection

Connection

Flinks

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

Account types

4 supported

No Fee Chequing · High Interest Savings · Cash Back Visa · TFSA

Access level

Read-only

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

Built around how you actually use Simplii

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

Automatic transaction sync

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

Smart category rules

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

Real budget tracking

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

AI Money Coach

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

Household sharing

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

Net worth and goals

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

Connect Simplii in under a minute

1

Create your free Waypoint account

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

2

Search for "Simplii" and authorize

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

3

Pick the accounts you want to budget

Bring in any of your No Fee Chequing, High Interest Savings, Cash Back Visa 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 Simplii login stays at Simplii

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 Simplii + Waypoint

Does Waypoint actually sync with Simplii Financial?
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Simplii Financial syncs through Flinks in Waypoint — the Plaid-Simplii path has historically been unreliable for this CIBC-owned brand. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which Simplii account types are supported?
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Waypoint supports No Fee Chequing, High Interest Savings, Cash Back Visa, TFSA from Simplii Financial. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting Simplii to Waypoint safe?
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Yes. Waypoint never sees or stores your Simplii 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 Simplii?
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The free tier of Waypoint lets you connect one bank including Simplii 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 Simplii 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 logoCIBCNational Bank of Canada logoNational Bank

Start budgeting your Simplii accounts today

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