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Lunch Flow is a paid third-party provider that offers global bank account connectivity. It’s the recommended option for users who need to connect accounts from multiple countries or regions outside the EU and US.

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How it works

Lunch Flow provides a unified API to access bank accounts across different countries and financial institutions:
  1. Obtain a Lunch Flow API key
  2. Configure the API key in Sure
  3. Sure syncs your accounts, balances, and transactions
  4. Data is refreshed automatically to keep information current

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Global coverage

Lunch Flow supports financial institutions worldwide, making it ideal for:
  • Users with accounts in multiple countries
  • Regions not covered by Enable Banking or SimpleFIN
  • International banking needs

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Setting up Lunch Flow

To connect your bank accounts:
  1. Sign up for a Lunch Flow account at lunchflow.app
  2. Generate an API key from your Lunch Flow dashboard
  3. In Sure, add your Lunch Flow API key
  4. Sure will automatically discover and sync your connected accounts

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Features

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Account management

  • Account listing: View all connected accounts with balances
  • Balance tracking: Real-time balance information in native currencies
  • Transaction history: Import transactions with date range filtering
  • Investment holdings: Track investment account holdings and values (where supported)

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Transaction syncing

Sync transactions with flexible filtering:
  • Filter by date range (start and end dates)
  • Automatic pagination for large transaction sets
  • Transaction details include merchant, description, amount, and currency
  • Pending transactions: Optionally include pending transactions that haven’t yet posted to your account

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Investment accounts

For investment accounts, Lunch Flow provides:
  • Holdings information (securities, quantities, values)
  • Total portfolio value
  • Currency-specific valuations
Note: Not all account types support holdings. The API will indicate when holdings are not available for a specific account.

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API structure

Lunch Flow uses a straightforward REST API:
  • GET /accounts: List all connected accounts
  • GET /accounts//balance: Get current balance for an account
  • GET /accounts//transactions: Fetch transaction history
  • GET /accounts//holdings: Get investment holdings (if supported)

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API reference

For detailed API documentation, see the Lunch Flow documentation.

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Pricing

Lunch Flow is a paid service. Check lunchflow.app for current pricing information.

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Configuration

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Pending transactions

You can configure Lunch Flow to include pending transactions in your syncs. Pending transactions are those that have been authorized but haven’t yet posted to your account. To enable pending transactions, set the following environment variable:
When enabled, transactions marked as pending by Lunch Flow will be imported and displayed with a “Pending” badge in the UI.

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Debug mode

For troubleshooting, you can enable debug logging to see the raw API responses:

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Category mapping for Up bank

If you use Up (an Australian neobank), Sure automatically maps Up’s transaction categories to your Sure categories during import. Up assigns a category slug to each transaction (for example, restaurants-and-cafes, groceries, transport). Sure reads these slugs and applies the matching Sure category when one exists in your family. The mapping applies only to high-confidence matches. Up categories with no clear Sure equivalent (such as “Booze”, “Pets”, “Apps & Games”, or “Life Admin”) are left uncategorized so you can apply your own rules or let AI categorization handle them. The mapping is non-destructive:
  • If you have already set or locked a category on a transaction, the imported category does not overwrite it.
  • If your family has no categories set up yet, transactions import uncategorized. Category mapping resumes once you create categories through the normal setup flow.

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Limitations

  • Requires a paid Lunch Flow subscription
  • Subject to Lunch Flow API rate limits
  • Holdings data not available for all account types
  • Coverage varies by country and institution