[Feature]: Lloyds UK should use interimBooked for starting balance calculation #2530

New Issue

GiteaMirror · 2026-02-28T20:17:16-06:00

GiteaMirror commented

2026-02-28 20:17:16 -06:00

Originally created by @RealGandy on GitHub (Oct 9, 2025).

Verified issue does not already exist?

I have searched and found no existing issue

What happened?

A newly added Lloyds Credit Card (UK) linked with GoCardless has created an opening balance transaction showing the balance of the account as the credit limit on the account.

The log contains the following entry whilst syncing. As can be seen the repsonse contains two balanceAmount entries, the Credit limit one (interim Available) and the actual balance (interimBooked). As this is a credit card, this appears to be a mistake.

Available (first 10) transactions properties for new integration of institution in calculateStartingBalance function {
  balances: '[{"balanceAmount":{"amount":"8000.00","currency":"GBP"},"balanceType":"interimAvailable","referenceDate":"2025-10-09"},{"balanceAmount":{"amount":"0.00","currency":"GBP"},"balanceType":"interimBooked","referenceDate":"2025-10-09"}]',
  top10SortedTransactions: '[]'
}

How can we reproduce the issue?

Where are you hosting Actual?

Docker

What browsers are you seeing the problem on?

Chrome

Operating System

Windows 11

Originally created by @RealGandy on GitHub (Oct 9, 2025). ### Verified issue does not already exist? - [x] I have searched and found no existing issue ### What happened? A newly added Lloyds Credit Card (UK) linked with GoCardless has created an opening balance transaction showing the balance of the account as the credit limit on the account. The log contains the following entry whilst syncing. As can be seen the repsonse contains two balanceAmount entries, the Credit limit one (interim Available) and the actual balance (interimBooked). As this is a credit card, this appears to be a mistake. ``` Available (first 10) transactions properties for new integration of institution in calculateStartingBalance function { balances: '[{"balanceAmount":{"amount":"8000.00","currency":"GBP"},"balanceType":"interimAvailable","referenceDate":"2025-10-09"},{"balanceAmount":{"amount":"0.00","currency":"GBP"},"balanceType":"interimBooked","referenceDate":"2025-10-09"}]', top10SortedTransactions: '[]' } ``` ### How can we reproduce the issue? How can we reproduce the issue? ### Where are you hosting Actual? Docker ### What browsers are you seeing the problem on? Chrome ### Operating System Windows 11

GiteaMirror added the needs votes feature labels 2026-02-28 20:17:16 -06:00

GiteaMirror closed this issue

2026-02-28 20:17:19 -06:00

GiteaMirror commented

2026-02-28 20:17:21 -06:00

@youngcw commented on GitHub (Oct 9, 2025):

You can change the starting balance to be correct if it was not generated properly.

GoCardless is moving away from individual bank data, so I don't know if its worth changing anything in the code for this.

@youngcw commented on GitHub (Oct 9, 2025): You can change the starting balance to be correct if it was not generated properly. GoCardless is moving away from individual bank data, so I don't know if its worth changing anything in the code for this.

GiteaMirror commented

2026-02-28 20:17:21 -06:00

@RealGandy commented on GitHub (Oct 9, 2025):

Thanks... good workaround.

What's the deal with Go Cardless? Is that going to break actual syncing with banks, or am I misinterpreting your comments?

Ta

@RealGandy commented on GitHub (Oct 9, 2025): Thanks... good workaround. What's the deal with Go Cardless? Is that going to break actual syncing with banks, or am I misinterpreting your comments? Ta

GiteaMirror commented

2026-02-28 20:17:21 -06:00

@youngcw commented on GitHub (Oct 9, 2025):

Gocardless stopped allowing new users and will likely get rid of the free syncing entirely at some point. No idea when that would be, but the Actual project is looking at other options

@youngcw commented on GitHub (Oct 9, 2025): Gocardless stopped allowing new users and will likely get rid of the free syncing entirely at some point. No idea when that would be, but the Actual project is looking at other options

GiteaMirror commented

2026-02-28 20:17:22 -06:00

@amrawadk commented on GitHub (Oct 9, 2025):

You're welcome to give Lunch Flow a try 😀we are registered as a business with Gocardless so the api is not going away, and we give you control over which balance to use in the api 😀

@amrawadk commented on GitHub (Oct 9, 2025): You're welcome to give [Lunch Flow](https://www.lunchflow.app/features/actual-budget-integration) a try 😀we are registered as a business with Gocardless so the api is not going away, and we give you control over which balance to use in the api 😀

GiteaMirror commented

2026-02-28 20:17:22 -06:00

@matt-fidd commented on GitHub (Nov 17, 2025):

This can be fixed with a custom bank handler, I'd need the institution ID from the logs though. Moving this to a feature request

@matt-fidd commented on GitHub (Nov 17, 2025): This can be fixed with a custom bank handler, I'd need the institution ID from the logs though. Moving this to a feature request

GiteaMirror commented

2026-02-28 20:17:22 -06:00

@github-actions[bot] commented on GitHub (Nov 17, 2025):

✨ Thanks for sharing your idea! ✨

This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution).

The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+

Don’t forget to upvote the top comment with 👍!

@github-actions[bot] commented on GitHub (Nov 17, 2025): :sparkles: Thanks for sharing your idea! :sparkles: This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution). The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+ Don’t forget to upvote the top comment with 👍!