> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ai2fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Up — connect your Up account with a personal access token

> Connect Up (Australia) to the AI2Fin desktop app using the personal access token from the Up app's Data Sharing screen. Up's own API, nobody in the middle, read-only. Desktop and self-hosted only, by Up's terms.

<Info>
  **Available in:** Desktop app · Self-hosted  |  **Reach:** 🇦🇺 Up accounts  |  **Cost:** free from Up; a paid AI2Fin plan
</Info>

## What it is

[Up](https://up.com.au) publishes its own [API](https://api.up.com.au/) for
reading your own account. No aggregator sits between you and your bank: you
generate a token in the Up app and AI2Fin reads with it.

## Connect

<Steps>
  <Step title="Generate a token in Up">
    Up app → swipe right → **Data Sharing** → generate a personal access token
    (it starts with `up:yeah:`).
  </Step>

  <Step title="Paste into AI2Fin">
    Connectors → **Up** → paste → **Connect**. Your Up accounts (transactional
    and savers) are listed immediately.
  </Step>
</Steps>

## What syncs

Accounts, balances and transactions. Held (pending) card transactions arrive
once they settle, usually the next day. First sync reads \~13 months; then every
15 minutes.

## Why this is never available in the cloud

Up's API Acceptable Use Policy says the API is *for your personal use only* and
lists *sharing your token with a 3rd party* as prohibited. A hosted AI2Fin
holding your token would be exactly that. So there is no setting that turns Up
on in the cloud, and no agreement to seek — it is a prohibition, not a default.
On your own machine the token never leaves your device, which is the use the
policy permits.

## Revoking

Revoke the token in the Up app under Data Sharing; access ends instantly.
Disconnecting in AI2Fin keeps the transactions you already have.

## Frequently asked

<AccordionGroup>
  <Accordion title="I bank with Up but use AI2Fin in the browser">
    Use [BankSync](/connectors/banksync) or [RedBark](/connectors/redbark) —
    both reach Up through CDR and run in the cloud — or the desktop app.
  </Accordion>
</AccordionGroup>