Akcha connects to your bank on a read-only basis and shows you what your money is doing. This page answers the questions that come up most — including the ones where Akcha behaves in a way worth explaining.
What Akcha is, and what it will never do.
It links your financial accounts through Plaid and brings the balances and transactions together in one place — then categorizes the spending, finds your recurring charges, tracks budgets and goals, and tells you what changed.
Akcha is read-only. It cannot move, hold, send, or spend your money, and it never has permission to. It is a window on your accounts, not a bank.
Go to Accounts → Connect a bank. Plaid’s secure window opens, you choose your institution and sign in there. Akcha asks for up to 365 days of history — how much actually arrives is up to your bank — so the first sync takes a minute and the app has real numbers to work with from day one.
Some institutions — many pensions, group RRSPs, and insurance-held investments among them — are simply not reachable through Plaid. For those, add a manual account from Accounts and enter the balance yourself. It counts toward your net worth like any other account; you just update it when it changes.
Where most questions actually come from.
Almost certainly not. Banks don’t publish transactions continuously — they post them in batches, and most publish once a day. TD Canada Trust, for example, refreshes overnight, so a coffee you bought this afternoon may not exist anywhere Akcha can reach it until tomorrow morning.
1 during your free trial, and 10 on Akcha Pro. Each institution counts once, no matter how many chequing, savings, or card accounts it holds.
There is a second, monthly cap on how many connections you can create — 5 on the trial and 15 on Pro, reset at the start of each month. It exists because linking a bank costs us whether you keep it or not, and it leaves room to link the wrong account and fix it. If you have hit it, everything already connected keeps working.
Banks expire the permission you granted, and some require you to re-approve every few months. It isn’t an error and nothing is lost. Akcha shows a Reconnect prompt on Accounts, and marks the affected accounts in the list; reconnecting reopens your bank on the same connection, so your history stays exactly where it is and you are not charged again.
Settings → Linked institutions, then the ⋯ menu on the institution → Remove. That ends the connection at Plaid, so no further data is collected.
Connections stay live for 7 days after a trial or a paid period ends. After that we disconnect them, which stops new transactions from arriving. Everything already in your account remains; reconnect any time and the flow resumes.
How Akcha sorts your spending — and how you overrule it.
Akcha does, as each transaction arrives, from the merchant and the bank’s own description. It is right most of the time and openly unsure the rest of it: anything it can’t place with confidence is collected in the review queue — the banner at the top of Transactions — grouped by merchant, so one decision fixes every past and future charge from that name.
Open it and change the category — from Transactions, or straight from the bar in Budgets. Your choice wins permanently and is remembered for that merchant.
Yes. Add one wherever you set a category, and it sits alongside the built-in ones everywhere in the app — budgets and insights included.
On purpose, and both are right. Moving $2,000 into your own savings is neither earning nor spending, so the dashboard, budgets and insights all measure cash — real income and spending, with transfers between your own accounts taken out. The total on Transactions is a ledger total: it sums the rows you are looking at, transfers included, because it is the list’s own filter and would be wrong to report anything else. Where the two differ, Transactions shows the transfer amount that reconciles them.
Yes — open the transaction and switch on Exclude from budget. It stays in your list but leaves every budget, total and average, which is what you want for a reimbursed expense or a one-off that would distort the picture.
What the numbers on these screens are actually measuring.
A budget is a limit per category per period. Akcha reads it as a ledger: what came in, what went out, what’s left, and — when you open a category — the individual transactions behind the figure, where you can correct any that don’t belong.
Because that date is an estimate, not a scheduled payment. Akcha finds recurring charges by watching your history; when a merchant bills on a steady day of the month, the date is firm. When it wanders — a bill that lands anywhere across three weeks — Akcha shows the date dotted and says what it was inferred from.
Detection works from repetition, so a few regular payments can look like a subscription when they aren’t. Open the item on Recurring to see the exact charges it was built from — and dismiss it if it’s wrong.
Yes — leave the target at 0 and the goal simply tracks what you’ve put aside, with no finish line. Useful for an emergency fund that is never really “done”.
What lands in your inbox, and how to stop it.
Account essentials — confirming your address, resetting your password — and, if it’s switched on, the weekly summary: what last week cost, where you stand, and what’s coming, sent Monday mornings. Nothing else. Akcha never emails marketing.
Settings → Notifications, or the unsubscribe link at the bottom of any summary — that link works without signing in.
Because there is nothing yet to compare it to. Akcha records your total position when it sends each summary, so from the second one onward the change is two measured figures — never a guess dressed up as a measurement.
One plan, one price.
US$6.99 a month, after a 7-day free trial. Prices exclude tax: any sales tax, GST or HST is worked out from your billing address and shown before you pay.
Access ends unless you subscribe — nothing is charged automatically at the end of a trial. Your data waits for you.
Akcha is a product of Bilsis Information Systems and Technologies Inc., a Canadian company, and payments are handled by Stripe. Your card statement shows AKCHA.APP; the emailed receipt is headed with the company name instead, because a receipt has to carry the legal entity behind the product. Both are us.
Settings → Plan & billing → Cancel subscription. You keep Pro until the end of the period you’ve already paid for, and you’re not billed again. You can resume before that date and nothing changes at all.
The short version. The full version is the Privacy Policy.
No — never. You enter it with Plaid and your bank, in their window. Akcha receives a token that reads account data and nothing else, and that token is encrypted, with its key kept apart from the database.
Every account is isolated at the database level, so one account can only ever read its own rows. We don’t sell your information and we don’t use your bank data for advertising.
Settings → Delete account. It removes your data and disconnects your banks at Plaid, so no further information is collected about you. It cannot be undone.
Email support@akcha.app and a person will reply. Telling us which screen you were on and roughly when it happened gets you a real answer faster than a screenshot alone.