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Originally created by @glenndegroote on GitHub (Jan 14, 2026).
Original GitHub issue: https://github.com/actualbudget/actual/issues/6651
Verified issue does not already exist?
What happened?
Keytrade sync is outdated since 11/01/2026
Now server has internal error
How can we reproduce the issue?
syncing again
Where are you hosting Actual?
Pikapods
What browsers are you seeing the problem on?
Microsoft Edge
Operating System
Windows 11
@YoranScholiers commented on GitHub (Jan 14, 2026):
I can confirm this issue exists, last sync was on January 12th.
Tried unlinking/linking account but that did nothing.
@laniier commented on GitHub (Jan 14, 2026):
I am also experiencing this issue with Keytrade.
Re-authenticating did nothing for me either.
Hosting in docker on Ubuntu 24.04
Was running 25.10, updated to 26.1 to no avail
{
"type": "BankSyncError",
"category": "UNKNOWN",
"code": "UNKNOWN",
"details": {
"rateLimitHeaders": {
"http_x_ratelimit_limit": "100",
"http_x_ratelimit_remaining": "98",
"http_x_ratelimit_reset": "48",
"http_x_ratelimit_account_success_limit": "4",
"http_x_ratelimit_account_success_remaining": "4",
"http_x_ratelimit_account_success_reset": "86400"
}
},
"message": "Failed syncing account "🏦 Keytrade.""
}
Last successful sync was January 12th
@matt-fidd commented on GitHub (Jan 14, 2026):
Can you check the server logs for any errors?
@laniier commented on GitHub (Jan 14, 2026):
I am pulling this from my Portainer logs:
2026-01-14T21:32:35.432Z info: POST 200 /sync/sync
Something went wrong Token is invalid or expired
2026-01-14T21:32:37.901Z info: POST 200 /gocardless/transactions
2026-01-14T21:32:40.332Z info: POST 200 /sync/sync
Mind you, my other account using the same GoCardless token still works.
I did try re-authenticating and what I think was odd that the balance was shown as 'unknown' right before linking it to an account in AB, I'll try to screenshot it but I'm on mobile right now.
EDIT POST CLOSING:
I can confirm backing up the data and recreating the AB instance + creating new GoCardless user ID/secret + restoring the back-up + unlinking Keytrade account within AB from GoCardless and setting it up again from scratch worked for me as well (for now at least)
I didn't try to reset the user ID/secret before nuking my original instance, I don't think it would have worked since my other banksync also setup with GoCardless still worked.
@jpurdy647 commented on GitHub (Jan 14, 2026):
Came to report the same. Tried unlinking my simplefin accounts. Created new token for connection and entered into AB. AB doesn't do anything but record
info: POST 200 /sync/syncin the Docker log. SimpleFin reports token remains 'unclaimed'My last successful sync was 2 days ago, FYI (the 12th)
@jpurdy647 commented on GitHub (Jan 14, 2026):
I exported and backed up data, started a fresh new instance, now bank linking has been successful. I will report back if anything changes
@glenndegroote commented on GitHub (Jan 15, 2026):
checked the pikapods logs
here is the extraction:
2026-01-14T07:26:02.701Z info: GET 200 /account/needs-bootstrap
2026-01-14T07:26:02.733Z info: GET 304 /account/needs-bootstrap
2026-01-14T07:26:02.767Z info: GET 304 /account/needs-bootstrap
Logging in via password
Deleted 0 old sessions
2026-01-14T07:26:04.729Z info: POST 200 /account/login
2026-01-14T07:26:04.753Z info: GET 200 /account/validate
2026-01-14T07:26:04.791Z info: GET 304 /account/validate
2026-01-14T07:26:04.804Z info: GET 200 /sync/list-user-files
2026-01-14T07:26:05.750Z info: GET 200 /sync/get-user-file-info
2026-01-14T07:26:05.793Z info: GET 200 /sync/download-user-file
2026-01-14T07:26:06.698Z info: POST 200 /sync/sync
2026-01-14T07:26:09.529Z info: POST 200 /sync/sync
2026-01-14T07:26:36.644Z info: GET 304 /sync/list-user-files
2026-01-14T07:26:36.733Z info: GET 304 /account/validate
2026-01-14T07:26:36.827Z info: POST 200 /sync/sync
2026-01-14T07:26:39.404Z info: POST 200 /sync/sync
2026-01-14T07:26:44.616Z info: POST 200 /gocardless/transactions
2026-01-14T07:26:46.758Z info: POST 200 /sync/sync
Something went wrong Institution service unavailable
2026-01-14T07:26:51.413Z info: POST 200 /gocardless/transactions
2026-01-14T07:27:06.059Z info: POST 200 /sync/sync
2026-01-14T07:27:24.537Z info: POST 200 /sync/sync
2026-01-14T07:27:27.193Z info: POST 200 /sync/sync
Something went wrong Institution service unavailable
2026-01-14T07:27:32.210Z info: POST 200 /gocardless/transactions
2026-01-14T07:27:36.775Z info: POST 200 /gocardless/remove-account
2026-01-14T07:27:37.599Z info: POST 200 /sync/sync
2026-01-14T07:27:43.043Z info: POST 200 /gocardless/status
2026-01-14T07:27:43.044Z info: POST 200 /pluggyai/status
2026-01-14T07:27:43.045Z info: POST 200 /simplefin/status
2026-01-14T07:27:44.738Z info: POST 200 /gocardless/status
2026-01-14T07:27:45.094Z info: POST 200 /gocardless/get-banks
2026-01-14T07:27:50.312Z info: POST 200 /gocardless/create-web-token
2026-01-14T07:27:50.591Z info: POST 200 /sync/sync
2026-01-14T07:27:50.921Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:27:54.309Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:27:57.666Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:01.062Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:04.423Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:07.776Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:11.220Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:14.585Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:17.939Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:21.344Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:24.682Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:28.038Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:31.371Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:34.742Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:38.089Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:41.434Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:44.770Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:48.143Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:51.497Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:54.858Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:28:58.204Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:29:02.503Z info: GET 304 /account/validate
2026-01-14T07:29:02.505Z info: GET 304 /account/needs-bootstrap
2026-01-14T07:29:03.058Z info: POST 200 /sync/sync
2026-01-14T07:29:03.360Z info: POST 200 /gocardless/get-accounts
2026-01-14T07:29:13.912Z info: POST 200 /sync/sync
Something went wrong Institution service unavailable
2026-01-14T07:29:14.510Z info: POST 200 /gocardless/transactions
2026-01-14T07:29:26.458Z info: POST 200 /sync/sync
Something went wrong Institution service unavailable
2026-01-14T07:29:28.497Z info: POST 200 /gocardless/transactions
2026-01-14T07:29:48.364Z info: GET 304 /account/validate
2026-01-14T07:29:48.392Z info: GET 304 /account/validate
2026-01-14T07:29:48.424Z info: GET 304 /sync/list-user-files
2026-01-14T07:29:59.782Z info: GET 304 /account/needs-bootstrap
2026-01-14T07:29:59.817Z info: GET 304 /account/needs-bootstrap
2026-01-14T07:29:59.852Z info: GET 304 /account/needs-bootstrap
Logging in via password
Deleted 0 old sessions
2026-01-14T07:30:02.035Z info: POST 200 /account/login
2026-01-14T07:30:02.061Z info: GET 304 /account/validate
2026-01-14T07:30:02.116Z info: GET 304 /sync/list-user-files
2026-01-14T07:30:02.118Z info: GET 304 /account/validate
2026-01-14T07:30:02.983Z info: GET 304 /sync/get-user-file-info
2026-01-14T07:30:02.984Z info: GET 304 /sync/download-user-file
2026-01-14T07:30:03.674Z info: POST 200 /sync/sync
2026-01-14T07:30:04.421Z info: POST 200 /sync/sync
2026-01-14T07:30:19.289Z info: GET 304 /sync/list-user-files
2026-01-14T07:30:19.362Z info: GET 304 /account/validate
2026-01-14T07:30:19.437Z info: POST 200 /sync/sync
2026-01-14T07:30:26.136Z info: POST 200 /sync/sync
2026-01-14T07:30:31.251Z info: POST 200 /gocardless/transactions
2026-01-14T07:30:33.864Z info: POST 200 /sync/sync
Something went wrong Institution service unavailable
2026-01-14T07:30:34.500Z info: POST 200 /gocardless/transactions
2026-01-14T07:30:51.294Z info: POST 200 /sync/sync
2026-01-14T07:31:08.534Z info: POST 200 /sync/sync
2026-01-14T07:31:09.628Z info: POST 200 /sync/sync
2026-01-14T07:31:18.428Z info: POST 200 /sync/sync
2026-01-14T07:31:42.231Z info: POST 200 /sync/sync
2026-01-14T07:33:29.989Z info: POST 200 /sync/sync
2026-01-14T07:33:33.638Z info: POST 200 /sync/sync
2026-01-14T07:33:39.966Z info: POST 200 /sync/sync
2026-01-14T07:33:43.319Z info: POST 200 /sync/sync
2026-01-14T07:33:56.049Z info: POST 200 /sync/sync
2026-01-14T07:33:59.265Z info: POST 200 /sync/sync
2026-01-14T07:34:44.653Z info: POST 200 /sync/sync
2026-01-14T07:34:47.773Z info: POST 200 /sync/sync
2026-01-14T07:35:02.944Z info: POST 200 /sync/sync
2026-01-14T07:35:04.288Z info: POST 200 /sync/sync
2026-01-14T07:35:50.713Z info: POST 200 /sync/sync
2026-01-14T07:35:52.676Z info: POST 200 /sync/sync
@matt-fidd commented on GitHub (Jan 15, 2026):
@glenndegroote
Something went wrong Institution service unavailableseems like the relevant extract here. Could you open a thread in the support channel in Discord? You'll also need to open a ticket with GoCardless as it's a problem on their end. I'll close this off as we do not give individual bank sync support over GithubTo everyone else in this thread, please open threads in Discord with server logs included, there should be better support in there to help you get it working or signpost you to GoCardless if required.