Can Quaestor move my money?

No. You sign in at your bank inside Plaid’s hosted flow, so your bank password never reaches Quaestor. What Quaestor keeps is an encrypted, read-only access token that returns account, transaction, balance and liability data and nothing else. It cannot start a payment, a transfer, or any movement of money. That is the only kind of access we ask for.

My bank is outside the United States and Canada. Now what?

Export a CSV or QIF from your bank and import it. You review the rows before anything is created, up to 2,000 rows per file, mapping the columns yourself for a CSV (QIF fields are built in), and the rows get the same currency handling, the same categories and the same answers from the assistant as synced ones. One of my banks overseas comes in exactly that way. Automatic transfer pairing needs both legs live-synced, so a transfer that touches an imported row you record yourself, in place of the imported legs.

What happens when a bank connection breaks?

Banks ask you to sign in again now and then. When one does, the app tells you, the connection reconnects in place, and until then Cash Outlook keeps using the last data it has and lowers its own confidence rather than pretending. Nothing you already have is deleted, and a posted row your bank later drops is kept and flagged for you to review.

How many accounts can I connect?

I run 66 live accounts, 36 of them credit cards, at 18 institutions, most of them through 20 connections and the rest by file, and I have not found the ceiling. Checking, savings, credit cards, loans and brokerage balances all land in the same ledger, grouped by institution, each in its own currency.

Bank sync & import

20 connections. 18 institutions. Fourteen years of history.

That is what feeds my ledger: 66 accounts at 18 institutions on three continents, most of them through 20 live bank connections and the rest by file, back to May 2012.

Every connection is read-only. Quaestor can see the balances. It cannot touch them. Here is my Accounts page.

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Quaestor Ledger Accounts page grouped by institution: a total balance reported in USD, then two foreign-currency banks and a US card issuer, each account with its own currency and sync status; the synced checking account shows ledger, bank and drift balances and the file-fed accounts a ledger balance only. — My Accounts page grouped by institution: two foreign-currency banks above a US card issuer, every account with its own currency and its sync status. The synced checking account shows ledger, bank and drift balances; the file-fed ones show a ledger balance only, because there is no bank feed to compare it with.Names, institutions, currencies and balances shown are illustrative.

Read-only, through Plaid’s window, never ours.

Read-only is not a setting we picked from a menu. It is the only kind of access we ask for. The connection can report what your money did; it cannot make it do anything. That holds for our AI too.

You sign in at your bank inside Plaid’s hosted flow. Your bank password never reaches Quaestor.
What Quaestor keeps is an encrypted, read-only access token: account, transaction, balance and liability data, nothing that can move money.
Checking, savings, credit cards, loans and brokerage balances, across 12,000-plus institutions in the United States and Canada.

My own ledger, September 2026

live accounts: 66
live bank connections: 20
institutions on three continents: 18
currencies, one net worth: 4
credit cards: 36
internal transfer pairs caught: 97
transactions, back to May 2012: 5,410
receipts on file: 1,017
recurring payments tracked: 54

It keeps itself current, and honest.

Sync is only useful if you can trust it, so the app checks itself against the bank on every synced checking, savings or card account and shows you the drift instead of hiding it. Pending charges stay pending until they settle. A posted row your bank later drops is kept and flagged for you to review, never silently deleted from your history.

Every connection is checked on a schedule, and your bank can push new transactions the moment they post.
Ledger, bank and drift: each synced checking, savings or card account shows what the transactions add up to, what the bank says, and the gap between them.
When a bank asks you to sign in again, the app tells you, and the outlook lowers its own confidence until you do.

Three balances on a synced checking, savings or card account

Ledger: What the transactions in Quaestor add up to.
Bank: What the bank reported at the last sync.
Drift: The gap between the two, on every synced checking, savings or card account whose bank reports a balance. Loans and brokerage accounts show the value the institution reports instead. Zero is the goal; anything else is a question the app asks you, with a reconcile button next to it.

Import what can’t sync.

Live sync covers banks in the United States and Canada. One of my banks overseas cannot sync, so it comes in by CSV, and the years before any of this existed came in by file too: my ledger goes back to May 2012, so yes, it holds history. Automatic transfer pairing needs both legs live-synced, so the transfers that touch an imported account I record myself, in place of the imported legs. Two minutes a month. I have paid more for less.

CSV or QIF, with a preview before a single row is created; CSV columns are mapped by you, QIF fields are built in.
Up to 2,000 rows per file, in the account’s own currency.
Same categories, same currency handling, same assistant as a synced account.

How import works

Export a CSV or QIF from your bank.
Review the rows before anything is created. For a CSV you say which column is the date, the amount, the payee; a QIF already knows.
Up to 2,000 rows per file, with the account’s currency and your categories respected.
Imported rows get the same currency handling and the same answers from the assistant.

Why this is the foundation

Everything else on this site stands on the sync: the transfer that is not a purchase, the net worth in four currencies, the receipt that looks for its charge, the outlook that says how many days you have. Get the rows in wrong and every number downstream is wrong. So the connection is read-only, the balances are checked against the bank, and nothing posted is ever deleted behind your back. It also stands on completeness. Connect every account, the dull ones included: a transfer is only a transfer when the ledger sees both sides, and the outlook can only count money it knows about.

Frequently asked questions

Can Quaestor move my money?: No. You sign in at your bank inside Plaid’s hosted flow, so your bank password never reaches Quaestor. What Quaestor keeps is an encrypted, read-only access token that returns account, transaction, balance and liability data and nothing else. It cannot start a payment, a transfer, or any movement of money. That is the only kind of access we ask for.
My bank is outside the United States and Canada. Now what?: Export a CSV or QIF from your bank and import it. You review the rows before anything is created, up to 2,000 rows per file, mapping the columns yourself for a CSV (QIF fields are built in), and the rows get the same currency handling, the same categories and the same answers from the assistant as synced ones. One of my banks overseas comes in exactly that way. Automatic transfer pairing needs both legs live-synced, so a transfer that touches an imported row you record yourself, in place of the imported legs.
What happens when a bank connection breaks?: Banks ask you to sign in again now and then. When one does, the app tells you, the connection reconnects in place, and until then Cash Outlook keeps using the last data it has and lowers its own confidence rather than pretending. Nothing you already have is deleted, and a posted row your bank later drops is kept and flagged for you to review.
How many accounts can I connect?: I run 66 live accounts, 36 of them credit cards, at 18 institutions, most of them through 20 connections and the rest by file, and I have not found the ceiling. Checking, savings, credit cards, loans and brokerage balances all land in the same ledger, grouped by institution, each in its own currency.

Keep exploring

Connect what can sync. Import what can’t.

Then open one screen tomorrow and read the whole picture, read-only.

7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.

Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.