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Wealthsimple disabled Mint token authentication in Nov 2023, Simplifi still asks for Token to setup?

seshwan

There is no way to get a Mint Token from Wealthsimple, confirmed from the FI per below, and whether you select Wealthsimple or Wealthsimple Canadian Shareowner, you are asked to enter User ID and Mint Token. So nobody has setup a new Wealthsimple connection for a year now, I’ve requested it to be fixed many times already, any ETA?

Mary (Wealthsimple)

Mar 14, 2024, 8:00 PM EDT

Hi Ryan,

Thanks for reaching out to Wealthsimple. I hope yu are doing well.

On November 1st, Intuit, Mint's parent company, announced that they will be shutting down Mint on January 1st, 2024. As a result, we are no longer able to support Mint integration with Wealthsimple.

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Comments

Coach Jon

Hello @seshwan,

Thanks for reaching out! I have definitely come across this issue before. When you contacted the FI, did they give you any information on how you could bypass the mint token being requested?

-Coach Jon

seshwan

It’s pretty clear cut, Wealthsimple won’t give me a token and Simplifi won’t update their site to allow password to be entered, so Simplifi does not have a way to add Wealthsimple at the moment and it is Simplifi that has to fix it.

Prostoy

I am experiencing the same issue with Canadian Wealthsimple - not able to connect FD105 error when entering the password. Simplifi asks for Mint token which is a misdemeanor - there is no such thing in Wealthsimple in Canada. Yet, articles on Simplifi site claim that it could be setup

Coach Kristina

Hello @Prostoy,

To assist with this issue, please provide more information. Is this an account you're adding for the first time, or one that was previously connected, but is now throwing an error? What is the exact URL (web address) that you use when logging into the account through the financial institution website?

I look forward to your reply!

yScrappy

I too am interested in this … I've tried on Quicken Mac, Windows and now Simplifi … I do all of my banking through Wealthsimple Cash …

This is a first time add, and to login, I go to https://www.wealthsimple.com/en-ca/

Coach Jon

Hello @yScrappy,

Thanks for reaching out! From our side, I cannot see a connection attempt for Wealthsimple as of yet. When you tried, did you also receive a connection error? Can you provide a screenshot?

Let us know!

-Coach Jon

yScrappy

I can't try, because I don't have a Mint token, because Mint token are no longer available …

Note that this is the problem that all of us are dealing with. All Intuit/Quicken products list Wealthsimple, but it requires a Mint Token, which no longer exists. Mint was shutdown back on Jan 1st, 2024.

yScrappy

Just want to post a comment here, and I appreciate that Jon is trying to help, but …

My understanding is that Intuit/Quicken charges us to use their software, as well as charges the bank to be supported by them … even in the case where banks provide qfx files for download, the bank pays a license fee, as qfx is a proprietary version of ofx.

As such, I believe that the onus is on Wealthsimple to get this fixed, since its not really Simplifi that is broken, but the auth method on Wealthsimple's side that has changed.

Right now, all Wealthsimple provides is a CSV file of transactions that, quite frankly is totally useless … I've even tried to get it to work with software that allows importing CSV.

If we ( Wealthsimple users ) want to see this improved / fixed, I believe it is on us to let Wealthsimple know … I do believe that it would be good for Quicken to approach them as well, since my understanding is that Wealthsimple's client base is 3+ million, and not supporting that is a potential lose of subscribers ( I only use Wealthsimple now, and I imagine there are a lot more of us, and growing ) … but u letting Wealthsimple know it is something we want / need would hopefully go a long way to get things fixed.

To post a request at Wealthsimple is simple … go to https://www.wealthsimple.com/en-ca/ , click on Support in the upper right and then go to Contact Us and click on 'Virtual Assistant' on chat … Choose Other → My Issue is Not Listed … it will then give you a link to a form to submit a request.

We don't need a QFX file to use Quicken … it will accept an OFX file, I just checked … we don't require Web / Direct connect, we just need a format supported by Quicken that I can import.

Make your voices hear @ Wealthsimple … I suspect they are the only ones that actually have the ability to fix this, as all Quicken does is connects to Wealthsimple's API to pull data …

Coach Jon

Hello @yScrappy,

Thanks for the reply. It is true that the FI chooses the data that is sent, as well as how it is sent. When you contacted the FI, did they give you any information on how you could bypass the mint token being requested?

-Coach Jon

yScrappy

You can't really 'bypass' it, since that form needs some sort of authentication … which means the prompt for Mint would need to change to a prompt for password.

That said though, I haven't heard anything back yet, but for me, at least, I would be happy if they would at least get an OFX download in place vs the useless CSV they have now … its not as nice as the auto-download methods, but its better then what is there now.

Quicken for Mac ( at least ) allows for OFX imports .. I actually looked at what it would take to convert the CSV → OFX … the OFX format i pretty straight forward, but the CSV contains insufficent information, and from what I can tell, the 'Actions' would need to be mapped from WS → OFX …

The other option would be to take the CSV they provide and massage it into a Mint.Com CSV, which is also supported for import …

I will update if / when I hear something back from WS … but, IMHO, it would be more effective if folks directed there "it needs to be fixed" energy to WS themselves, instead of everywhere else but WS, it might get fixed shrug

yScrappy

One thing to note … just figured out … the CSV you can get from WS is monthly … so November is available, but you can't get one that shows current transactions … makes it good for generating reports, but that is it

yScrappy

Response from Wealthsimple:

—
Currently, there is no integration that we are supporting with budgeting apps as we don't have a official affiliation/partnership with any of them.

I have noted down your preference of certain budgeting app being connected to your Cash account and happy to provide that as feedback to my team.
—

So for anyone that stumbles across this in their searches … reach out to Wealthsimple, add your voice to the chorus of people .. only Wealthsimple can fix this

seshwan

@yScrappy [removed] both sync with Wealthsimple so whether they have an official affilation / partnership doesn't really matter to me at all. Wealthsimple stopped offering the Mint token in Oct 2023 and Simplifi sat on their hands for 15 months instead of updating the login to prompt for username and password.

@Coach Jon The only way to add Wealthsimple at other financial budgeting apps is with username and password. Simplifi should not be asking for a Token still.

yScrappy

@seshwan thanks … will try them out … I have an account with another online place that I use for all my Trade accounts, that works perfectly, but they don't seem to work with my Cash account …

yScrappy

@seshwan just curious, but have your successes been with the Wealthsimple Cash account, or your investment accounts?

For me its the Cash account that nobody seems to support, and if the CSV output they provide is any indication, the problem is on Wealthsimple's side of things. As i mentioned above, I do have an online account that I use for my trade accounts, but the Cash account appears to be missing information needed to setup any rules / filter.

Right now, with Quicken, I'm downloading the CSV for the Cash account I want to import, then running it through a perl script ( filter ) that converts it to mint.com format, which I can the import into Quicken and move into the right account after … its messy, but it gives me most of what I need, just the Payee' are a bit screwed …

I believe Wealthsimple will need to clean up their side before Quicken will be able to connect to the Cash accounts … doesn't explain the delay in terms of the Trade accounts, not offering an excuse there …

seshwan

@yScrappy Both work just fine.

@Coach Jon any idea how to escalate this? It's been 15 months with the wrong login prompt on Simplifi when you try to add Wealthsimple (asking for username and token when it should be username and password, which other financial aggregators have already done last year). It seems like 0 work has begun on it.

Coach Jon

Hello @seshwan,

Thanks for the reply. As @yScrappy stated previously, this is an issue on the bank's side, as we cannot control the login information requested by the financial institution. However, we can see if we can escalate this issue to determine another course of action.

Can you provide a screenshot showing the issue in Quicken Simplifi, as well as provide logs to assist us?

Log into the Quicken Simplifi Web App.
Select Profile from the left-hand navigation bar.
With the Profile menu open, hold down the Option key for Mac or the Alt key for Windows, and then click Send Feedback.
Leave all boxes checked, add a brief description of the issue, and then click Send.

-Coach Jon

yScrappy

@Coach Jon Only comment I can make on this is that after 15 months of people asking about and pointing out that its broken, Quicken could remove it as a connect option

I have no. problem with the whole “its Wealthsimple’s responsibility to initiate the fix”, but I do have a problem with it being listed as an option if it doesn’t actually work …

From what I gather from my email to Wealthsimple, it sounds like they aren’t paying a fee / licence to have it work, so for whatever reason, they have currently decided to not support it, so, to me, Quicken is promoting a broken connection that the institution has no short term intention on fixing … it should be removed as an option …

Rob Petro

Can someone from Simplifi just call someone at Wealthsimple and have them fix this for us? We've outlined the issue here very clearly several times… stop asking for a token… cahnge authentication to username and password like everyone else.

giuliano.meller

The connection between Quicken and Wealthsimple is essential for me as well. I highly value Quicken’s features, especially its spending plan management, and I’m reluctant to switch. However, the lack of a simple, automated connection with my investment account is pushing me to explore alternative solutions.

For instance, I tested the [removed] and it offers seamless integration with Wealthsimple.

@Coach Jon @Coach Kristina, if [removed] can successfully connect with Wealthsimple, I believe Quicken can achieve this too. I’ve attached a screenshot of my [removed] integrated with Wealthsimple for reference.

Coach Jon

Hello @giuliano.meller and @Rob Petro,

Thanks for reaching out. As I have stated earlier, we can escalate this issue. We would just need the information I requested previously.

https://community.simplifimoney.com/discussion/comment/46228#Comment_46228

-Coach Jon

giuliano.meller

I just reported it as feedback on the app. How long does a problem like this usually take to resolve? @Coach Jon

Coach Jon

Hello @giuliano.meller,

Thanks for the feedback. Unfortunately, I would not know how long this issue would take to resolve. We will also need a screenshot showing the issue in Quicken Simplifi from you, as well as the name of the account as it appears in Quicken Simplifi.

-Coach Jon

yScrappy

@Coach Jon not sure what a screenshot will show you / provide … sort of feels like a stalling tactic … the issue is really simple:

Add account institute login page for Wealthsimple prompts for Username + MINT Token
Mint was an Intuit service that was shutdown back in March
Wealthsimple users are not able to login

Note that all a screenshot is going to show is those two prompts … there will be no errors in the logs, since there is no login error, as nobody has a Mint Token anymore to enter to get past that initial screen.

At present, I suspect there is only one fix for this from Quicken’s side, and that is to stop listing Wealthsimple as a connectable institution … get rid of the option.

I have tried the [Removed - 3rd Party Software] as mentioned above, and it does login via username+password, and it works, so there might be an API call already in place to accept password vs token that they were able to tap into … or they are going through a third party to login and not going directly through Wealthsimple ( I knew of one company from another project that was doing that … using a third party to get at the transactions ) …

If Quicken doesn’t want to ( or can’t ) take the lead on getting this fixed, that is cool … but at least disable the institution so that its not offered as an option, since it no longer is …

Coach Jon

Hello @yScrappy,

I understand your frustration. However in order to escalate, we need to be able to gather as much information as possible and verify what specifically is occurring so that we may resolve the issue. If you can provide the information I requested above, we can work on escalating this.

https://community.simplifimoney.com/discussion/comment/46228#Comment_46228

Thank you,

Coach Jon

m4salem

Hello Quicken.

Why does it sound like bots are answering on these requests.

Does quicken support integration with Wealthsimple ?

If yes, show us how (without mint token)
If no, please consider implementing it and let us know if you will or will not work on it (which is also fine).

It is really this simple You dont need any further information.

If [Removed - 3rd Party Software] supports it, then it is doable. Quicken is good enough to not go anywhere, so please let us know.

Thanks.

yScrappy

I will most likely get banned from this site for the following, but …

Wealthsimple is not supported by Quicken, and, sadly, it appears that Quicken is not able to fix that without Wealthsimple initiating it, [Removed - Speculation]

Thanks to @giuliano.meller for pointing it out, I have tested out [Removed - 3rd Party Software], and it supports Wealthsimple and more … I’ve tried using both the Mac and Windows versions of Quicken, and one version supports Institution XYZ, while the other version supports VWZ … but neither supports all of the institutions I have … CIBC, a major bank, works on Windows, but not on Mac … my Canadian Tire card works on Mac, but not Windows … Wealthsimple works on neither … don’t quote me on which works on which, I might have those backwards … the point is that the supported institutions on each version are different, and I suspect if I tried Simplifi, it might be “yet another different set” …

The problem is that Quicken requires the institution to reach out to them and request being added to whichever version, its not a simple matter of ‘add us to quicken’, but they have to buy into windows vs mac …

In Wealthsimple’s case, they bought into neither.

[Removed - 3rd Party Software] ( and other apps ) uses a third party aggregator ( they actually have 4 sources ), they don’t connect directly to Wealthsimple or CIBC or … in the case of the third party vendor, their client is the app itself ( ie. venmo, expensif, etc ), not the end user … the more institutions the third party vendor works with / supports, the more value they are to the app … they don’t charge the institution to be supported, they charge the app for access to those connections.

I’ve been using Quicken / Quickbooks for 24+ years ( both for personal and business ) … if you have one bank account with a well supported institution and happen to be on a platform ( windows vs mac ) that supports that institution … its great. But as mentioned above, CIBC is supported on one, and not the other … I spent a few hours this weekend setting up all of my accounts / credit cards via [Removed - 3rd Party Software], and it has all of the features I wanted:

transactions
budgets
recurring transactions
unlimited accounts

Reports aren’t nearly as extensive as Quicken, but all I really care about is seeing my spending patterns, so I’m not losing anything there.

The only thing I need to work on is Investments … but that isn’t a critical piece for me, never got to the point of using it in Quicken.

There are features in Quicken that I will miss … I loved the auto-link of transfers between accounts, for instance

[Removed- Speculation/Inaccurate]

The other thing that would be nice is a comprehensive list of what institutions they actually support, and one which platforms … although if Quicken took on support for the institutions instead of requirement each to do it for themselves, there would be no reason for an institution to be supported on one platform and not the other.

[Removed - No Soliciting]

seshwan

https://community.simplifimoney.com/discussion/comment/46426#Comment_46426

Unforunately I agree with the other members on stall tactics as this is the 5th thread for the same issue in the past year, all 4 previous threads were closed after asking the same questions, but never 1 response that it was passed to the development team. Wealthsimple is listed twice under Accounts to be added in the Simplifi app, both ask for Username and Mint Token while the Mint Token doesn't exist. You don't need logs to figure out why nobody can connect that way.

"This is an issue on the bank's side, as we cannot control the login information requested by the financial institution" since they ask for e-mail address and password to login. That is literally written above by a Simplifi community coach. LOL.

seshwan

https://community.simplifimoney.com/discussion/comment/45320#Comment_45320

Hi @Coach Kristina, hopefully this answers your questions:

We login to https://my.wealthsimple.com/app/login, with e-mail address and password. Also there will be a 2FA code requested after credentials are validated.
If we try to add an account in Quicken Simplifi, both "Wealthsimple" and "Wealthsimple (formerly ShareOwner)" show as available to add but prompt for E-mail Address and "Mint Token".
Since Wealthsimple stopped offering the "Mint Token" in November 2023, it is not possible to add Wealthsimple accounts to Quicken Simplifi as nobody has a "Mint Token".
Could we change the prompt to ask for e-mail address and password instead?

Coach Jon

Hello @seshwan,

Thanks for the responses and feedback. We can definitely understand your frustration, but as I stated previously, in order to escalate an issue like this we will need as much information as possible, which would include the information we previously requested. We will need logs in order to continue.

-Coach Jon