Sync Deals to Your Spending with Bync

ByncOne of the biggest turn-offs to couponing for me is the fact that I have to sort through the endless streams of coupons (online or in the newspaper) to find the one's that apply to me and my spending habits.

And the cardinal sin when it comes to couponing, in my opinion, is to let the coupons that are available have an influence on my spending. I don't know about you but I don't want some Madison Avenue marketer dictating to me what I should spend my money on.

For these reasons I'm attracted to a new online deal site called Bync (think Sync+Bank). Bync connects your banking information (i.e. your spending habits) to the related coupons that they have to offer.

How Bync Works

How Bync Works - Our Review

So if you regularly spend money at Chick-fil-A (like I do…love that place), then Bync will pick up on this using your banking data and present you with a Chick-fil-A coupon next time they have one available. The same goes for every instance where they have an offer that matches your spending.

Full disclosure: I'm friends with the guys behind Bync, the Boulder, CO based upstart. They've been a good partner in helping to support FinCon. You may have heard of their previous product, Budgetable, the budget software. Bync is a subset of Budgetable, which has been shelved for now.

Budgetable is Now Bync

Budgetable is Now Bync

Their focus is now squarely on Bync and making the world a better place by encouraging a coupon/deal climate that respects the true needs of the consumer. They are touting a 4x click-through rate on their deals vs their competitors. I like what they've done here.

I still think the cash back sites and the wholesale couponing sites (,, etc.) have a place in the world. They offer us an opportunity to discover new products and services. They also help us to find deals on things we've never purchased before. But a service like Bync is long overdue.

I'd encourage you to sign up with Bync and connect your bank and/or credit card accounts. The folks at Bync use bank-level security and will only send you offers when they are positive you'll see an immediate benefit based on your history. Here's an example of the recent email they sent me:

Bync Deals by Email

Bync Deals by Email

Setup is easy and only takes a couple of minutes. Bync is associates with over 10,000 banks so they likely work with your bank. They also work with over 1,000 stores to offer coupons, so they likely have some deals relevant to you as well.

Bync is free to sign up and to connect one account. I synced my Chase Freedom card since it's the one we use for most of our daily spending. If you'd like to connect more accounts you'll have to sign up for Bync's premium service tiers, starting at $3.99 a month.

Upgrading will also give you more “deal credits” and unlimited exclusive deals, but I'll be honest, I have no idea how these work or what they are for. Hopefully the Bync team will fill in some of the blanks in the comments below as I couldn't find the information on the site.

Are you using Bync? Are you using a similar service that provides a more curated set of offers?

Want My Free 31-Step Money Guide*?

Subscribe for free. Get my guide *31 Days to Improve Your Financial Life, welcome series, and regular Five Things digest. Join 30,000+ other followers.

Powered by ConvertKit
Last Edited: July 24, 2017 @ 1:18 pm
About Philip Taylor

Philip Taylor, aka "PT", is a former practicing CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of FinCon, the conference and community dedicated to helping other financial influencers and brands. He created this website back in 2007 to share his thoughts on money, hold himself accountable, and to meet others passionate about moving toward financial independence.

PT uses Personal Capital to keep track of his financial life. This free software allows him to review his net worth regularly, analyze his investments, and make decisions about his financial future.

PT keeps a portion of his emergency fund in Betterment, the automatic investing tool that makes investing super simple. Betterment focuses on what matters most: savings rate, time in the market, investing costs, and taxes. PT recommends this service to anyone looking to get started investing for themselves.

All the content on this blog is original and created or edited by PT.


  1. Ryan @ Bync says:

    Thanks for the review @ptmoney Deal credits represent the max number of deals you can receive per day. Free users can receive up to 4 deals per day, and the limit goes up from there depending on your Pro plan. Our current deal credits model will likely change with the release of the Bync mobile app. Hope this helps!

  2. @ByncHQ would love your explanation of the credits in the comments, Ryan. Thanks for the RT.