Banks & Finances

Link your bank accounts and cards to Multify, then ask about balances, transactions, and spending in plain English. Because your finances sit next to everything else you've connected, a question about last quarter's spend can end as a Gamma deck, a Google Sheet, or an email to your accountant.

Read-only by design Multify links to your bank through a financial-data aggregator and can only read account balances and transaction history. It cannot move money, make payments, or change anything at your bank.

What You Can Do

Ask about your money in chat — balances, recent charges, what you spent on what, and when.
Analyse instead of export — income vs. expenses, recurring charges, biggest cost areas, month-over-month movement.
Send the answer somewhere useful — a Gamma deck, a Google Sheet, a Page, a PDF in Files, or an email.
Put it on a schedule — a monthly review that runs itself with Runbooks.
Use it from other AI clients — Claude Desktop, Cursor, ChatGPT and friends can read the same data over MCP.

Link a Bank or Card

On the web (app.multify.co):

Open Banks

In the left navigator, click Banks — or hit the + next to it to jump straight to linking.

Link New Bank/Card

The Cards & Banks window lists anything you've already linked. Click Link New Bank/Card to add another.

Search for your institution and complete its own secure login (including any two-factor step). You sign in at your bank, not in Multify.

Come back and check

The window refreshes with the institution and the accounts you shared, and its logo appears under Banks in the navigator.

On the mobile app: open Connections, switch to the Banks tab, and tap Connect bank. The flow is the same, and connections you make on one device show up on all of them.

On iPhone Safari Linking opens your bank's flow in a new window. If Safari blocks it, allow the popup, or return to Multify after the bank says you're connected and the link will finish saving.

What Multify Syncs

Accounts and balances — read live from the bank when you ask, so a balance is current rather than a cached guess.
Transactions — backfilled when you first link an account (as much history as your bank shares), then refreshed on a regular cycle and again whenever your bank pushes an update.
Per transaction — date, amount, debit or credit, which account it hit, the raw description, a category where the bank provides one, and a cleaned-up merchant name so "SQ *BLUE BOTTLE 0412" reads as "Blue Bottle Coffee".

The first sync on an account with years of history takes a few minutes. If a question comes back thin right after linking, give it a moment and ask again.

Ask Questions in Chat

No special syntax and no tool names. Ask the way you'd ask a bookkeeper who has your statements in front of them.

Example — Balances "What's the balance on each of my linked accounts right now?"

Example — Spending "How much did I spend on restaurants and coffee last month, and how does that compare with the month before?"

Example — Find a charge "Find the airline charge from March. What was the amount and which card was it on?"

Example — Recurring costs "List every recurring charge you can spot in the last six months, what each one costs per year, and flag anything that went up in price."

Example — Cash flow "Break my current year into monthly income and expenses, and tell me which months I was cash-flow negative."

Give it a window "This year", "last quarter", "since June" all work. A date range keeps the answer tight and the analysis fast.

Finances Plus Your Connected Apps

This is where linked accounts get interesting. Your transactions are one more source your agent can read, and anything you've connected under Apps in the navigator can be where the answer lands. Multify pulls the numbers, does the analysis, then hands the result to the app — in one request, from one message.

To add a destination app: click the + next to Apps in the navigator, find the app, and connect it once.

Gamma — turn a year of transactions into a deck

Example prompt "Take a look at my transactions over the current year and create a summary of income and expenses in a Gamma presentation. Include a slide summarising recurring expenses and the biggest cost areas."

What happens behind that one sentence:

Multify reads your transactions for the year across every linked account.
It separates income from expenses, rolls spending up by category and merchant, and works out which charges repeat on a monthly or annual rhythm.
It writes the narrative — headline totals, the cost areas that dominate, the recurring list with annualised cost.
It calls Gamma to generate the presentation and gives you the link back in chat.

Ask for what you want in it. "Add a slide comparing H1 to H2", "keep it to six slides", "include a chart of monthly spend" all land in the same request.

Google Sheets — hand yourself a workbook to keep working in

Example prompt "Pull my transactions for this year into a new Google Sheet — one row per transaction with date, merchant, category, account and amount. Add a second tab with monthly income vs. expenses, and a third listing recurring charges with their annual cost."

A deck is for showing someone. A sheet is for carrying on: re-categorise a few rows, add your own column, build a pivot, share it with your accountant. Follow-ups work the same way — "add a column flagging anything over $500", "sort the recurring tab by annual cost".

More combinations

Connect	Then ask for
Gmail / Outlook	"Summarise last quarter's expenses by category and email it to my accountant with the totals in the body."
Google Sheets	"Append last month's transactions to my existing expense tracker and update the summary tab."
Gamma	"Build a quarterly business review deck from my business account, with a slide per cost area."
Slack	"Post a short monthly spend summary to #finance on the first of each month."
Notion	"Keep a running budget page updated with this month's actuals against plan."
Google Drive	"Save the expense breakdown as a PDF in my Finance folder."

Multify's own workspace counts as a destination too: save the write-up as a Page you update every month, drop a PDF into Files, or open a Task per subscription you decided to cancel.

Put the Review on a Schedule

Anything you can ask once can repeat. Build a Runbook whose steps are the review you just ran — pull the month's transactions, compare against last month, write the summary, publish it where you want it — then give it a monthly schedule and let it play itself.

Example — Monthly close "Create a runbook called Monthly Finance Review that pulls last month's transactions, summarises income vs. expenses by category, flags any new recurring charge, writes it to my Finance page, and emails me the highlights. Run it on the 1st of every month."

Use Your Finances from Other AI Clients

Your linked accounts aren't locked inside Multify chat. Connect any MCP client — Claude Desktop, Cursor, VS Code, Windsurf, ChatGPT — to your Multify MCP endpoint and it can work with the same financial data, alongside your Files, Tasks, Pages, and Stash.

Tool	What it does
`fi_balance`	Current balances for every linked account, with the institution and account name
`fi_transactions`	Transactions, filterable by account and date range, with merchant, category, and amount
`fi_spending`	Spending totals grouped by category for a date range

You don't call these by name. Ask your client the same way you'd ask Multify — "what did I spend on software last quarter?" — and it picks the tool. Setup, authentication, and session management are covered in MCP Integration.

Why this matters The analysis can happen wherever you already work. Ask Claude Desktop for last quarter's numbers while you're writing the board update, and you're reading your real accounts, not pasting a CSV.

Privacy & Control

Your bank login stays at your bank. You authenticate inside your institution's own flow. Multify stores the connection, the account names, and the transaction records — never your banking credentials.
Read-only. There is no payment or transfer capability in this feature.
Only your account sees it. Linked accounts are personal to you, not shared with your team.
Unlink whenever you want. In Banks, click Remove next to a connection and confirm (on mobile, Disconnect). Multify disconnects it at the aggregator and deletes the stored transactions for that connection.
MCP access is revocable. Every connected AI client shows up as a session on your MCP settings page, and you can cut any one of them off without touching the rest.

Troubleshooting

No Banks item in the navigator — the feature isn't switched on for your account yet. Everything else on this page still applies once it is.
The answer says no accounts are linked — the link didn't finish saving. Reopen Banks; if the institution isn't listed, link it again.
Transactions look out of date — syncing runs on a cycle rather than on every keystroke. Wait a few minutes and ask again.
Your bank asks you to sign in again — banks expire these connections periodically. Remove the connection and link it again.
Balance doesn't match the transaction list — the balance comes live from the bank and includes pending activity; the transaction history only shows what the bank has posted.
A merchant name looks wrong — tell chat what it should be. Raw descriptions from banks are messy, and you can always ask for the original description alongside the cleaned-up name.

A good first session Link one account, ask "what were my five biggest expenses last month?", then follow up with "put the full month into a Google Sheet". Two messages and you have both the answer and something you can keep working in.