Connect Your Bank to Lima with Open Finance

For years, managing your money has been a chore. You log into your bank, download statements, or manually input every coffee, every bill payment. It’s tedious, prone to errors, and frankly, a waste of your time. At Lima, we believe your personal organizer should actually organize your whole life, including your finances, without the extra work. That’s why we’ve integrated with Open Finance, allowing you to connect your real bank account and automatically import transactions.

What is Open Finance and How Does Lima Use It?

Open Finance is a regulatory framework (in Brazil, it’s governed by the Central Bank) that lets you securely share your financial data with authorized applications. Think of it as giving permission for your bank to talk to Lima, but only with your explicit consent and under strict security protocols. It’s not Lima accessing your bank directly; it’s your bank sending your transaction history to Lima once you authorize it.

How does this work in practice? Inside Lima, you’ll find a list of over 200 Brazilian banks. You pick yours, and the app redirects you to your bank’s own secure environment to grant authorization. This is crucial: you’re authorizing with your bank, not sharing your banking login with Lima. Once authorized, Lima securely imports your transaction history, and new transactions appear automatically. This means your real-time balance and spending show up right alongside your appointments and habits, giving you a complete picture of your life in one place.

Open Finance vs. WhatsApp: Two Sides of Your Spending

It’s important to understand that Open Finance and Lima’s WhatsApp integration serve different, complementary roles. Open Finance captures everything that flows through your bank account: your salary, bill payments, credit card transactions (once they hit your account), and large Pix transfers. These are the structured, often recurring financial movements that form the backbone of your budget.

Our WhatsApp integration, on the other hand, is perfect for those everyday, spontaneous expenses that might not always pass through your main bank account in a traceable way. Think of the cash you spend on a quick snack, a small Pix to a friend for splitting a bill, or that impulse purchase you want to log immediately. These are often manual entries, capturing the nuance of your daily spending habits.

These two systems coexist beautifully in Lima without duplicating entries. Open Finance pulls what’s already recorded by your bank; WhatsApp lets you quickly log what hasn’t been. Together, they give you a truly holistic view of your money, from the big picture down to the smallest detail.

Connecting Your Banks in Lima

Lima offers flexibility for connecting your accounts. With a Lima Pro Plan, you can connect one bank, which is often enough for most people to get a clear overview of their main finances. If you manage multiple accounts (maybe a personal account and a business account, or accounts with different banks), the Lima Max Plan allows you to connect two banks. This ensures that no matter how complex your financial setup, you can consolidate your data in one simple interface.

Imagine seeing your real account balance, your upcoming bills, and your recent purchases all within the same app where you track your daily tasks and health goals. It removes the mental load of switching between apps and provides clarity on your financial health, helping you make better decisions without extra effort.

To see how this works and explore other features that simplify your life, visit our features page.

Connecting your bank to Lima through Open Finance means your financial data flows directly and securely into your personal organizer, giving you an accurate, up-to-date picture of your money without any manual entry.