diff --git a/client/api.js b/client/api.js
index ba84dd3..ad51051 100644
--- a/client/api.js
+++ b/client/api.js
@@ -309,6 +309,10 @@ export const api = {
   syncDataSource:         (id)          => post(`/data-sources/${id}/sync`),
   deleteDataSource:       (id)          => del(`/data-sources/${id}`),
 
+  // Admin — bank sync feature flag
+  bankSyncConfig:         ()            => get('/admin/bank-sync-config'),
+  setBankSyncConfig:      (data)        => put('/admin/bank-sync-config', data),
+
   // User SQLite import
   previewUserDbImport: async (file) => {
     const res = await fetch('/api/import/user-db/preview', {
diff --git a/client/components/admin/BankSyncAdminCard.jsx b/client/components/admin/BankSyncAdminCard.jsx
new file mode 100644
index 0000000..62ffc64
--- /dev/null
+++ b/client/components/admin/BankSyncAdminCard.jsx
@@ -0,0 +1,99 @@
+import React, { useState, useEffect } from 'react';
+import { toast } from 'sonner';
+import { api } from '@/api';
+import { Button } from '@/components/ui/button';
+import { Card, CardHeader, CardTitle, CardContent } from '@/components/ui/card';
+import { Toggle } from './adminShared';
+
+export default function BankSyncAdminCard() {
+  const [config, setConfig]   = useState(null);
+  const [loading, setLoading] = useState(true);
+  const [saving, setSaving]   = useState(false);
+  const [enabled, setEnabled] = useState(false);
+
+  useEffect(() => {
+    api.bankSyncConfig()
+      .then(d => {
+        setConfig(d);
+        setEnabled(!!d.enabled);
+      })
+      .catch(() => {})
+      .finally(() => setLoading(false));
+  }, []);
+
+  const handleSave = async () => {
+    setSaving(true);
+    try {
+      const result = await api.setBankSyncConfig({ enabled });
+      setConfig(result);
+      setEnabled(!!result.enabled);
+      toast.success(enabled ? 'Bank sync enabled.' : 'Bank sync disabled.');
+    } catch (err) {
+      toast.error(err.message || 'Failed to update bank sync setting.');
+    } finally {
+      setSaving(false);
+    }
+  };
+
+  if (loading) {
+    return (
+      <Card>
+        <CardContent className="py-8 text-center text-muted-foreground text-sm">
+          Loading…
+        </CardContent>
+      </Card>
+    );
+  }
+
+  const keySet = config?.encryption_key_set;
+  const changed = enabled !== !!config?.enabled;
+
+  return (
+    <Card>
+      <CardHeader className="pb-4">
+        <CardTitle>Bank Sync (SimpleFIN)</CardTitle>
+        <p className="text-sm text-muted-foreground mt-1">
+          Allow users to connect their own SimpleFIN Bridge account to sync
+          read-only bank transactions. Each user manages their own connection
+          from the Data page — no bank credentials are stored.
+        </p>
+      </CardHeader>
+      <CardContent className="space-y-5">
+
+        {/* Encryption key status */}
+        <div className={`rounded-lg border px-4 py-3 text-sm ${
+          keySet
+            ? 'border-emerald-500/25 bg-emerald-500/10 text-emerald-700 dark:text-emerald-400'
+            : 'border-amber-500/25 bg-amber-500/10 text-amber-700 dark:text-amber-400'
+        }`}>
+          {keySet
+            ? 'TOKEN_ENCRYPTION_KEY is configured. Bank sync can be enabled.'
+            : 'TOKEN_ENCRYPTION_KEY is not set. Add a 32+ character key to your environment before enabling bank sync.'}
+        </div>
+
+        {/* Enable toggle */}
+        <div className="flex items-center justify-between">
+          <div>
+            <p className="text-sm font-medium">Allow users to connect SimpleFIN</p>
+            <p className="text-xs text-muted-foreground mt-0.5">
+              When enabled, users see a Bank Sync section on their Data page.
+            </p>
+          </div>
+          <Toggle
+            checked={enabled}
+            onChange={v => setEnabled(v)}
+            disabled={!keySet}
+            label="Enable bank sync"
+          />
+        </div>
+
+        <div className="flex justify-end pt-2">
+          <Button onClick={handleSave} disabled={saving || !changed || (!enabled ? false : !keySet)}>
+            {saving ? 'Saving…' : 'Save'}
+          </Button>
+        </div>
+
+      </CardContent>
+    </Card>
+  );
+}
diff --git a/client/components/data/BankSyncSection.jsx b/client/components/data/BankSyncSection.jsx
new file mode 100644
index 0000000..d325134
--- /dev/null
+++ b/client/components/data/BankSyncSection.jsx
@@ -0,0 +1,230 @@
+import React, { useState, useEffect, useCallback } from 'react';
+import { toast } from 'sonner';
+import { Building2, Link2Off, Loader2, RefreshCw } from 'lucide-react';
+import { api } from '@/api';
+import { cn } from '@/lib/utils';
+import { Button } from '@/components/ui/button';
+import { Input } from '@/components/ui/input';
+import {
+  AlertDialog, AlertDialogAction, AlertDialogCancel, AlertDialogContent,
+  AlertDialogDescription, AlertDialogFooter, AlertDialogHeader, AlertDialogTitle,
+} from '@/components/ui/alert-dialog';
+import { SectionCard } from './dataShared';
+
+export default function BankSyncSection({ onConnectionChange }) {
+  const [enabled, setEnabled]         = useState(null);
+  const [connections, setConnections] = useState([]);
+  const [loadError, setLoadError]     = useState('');
+  const [setupToken, setSetupToken]   = useState('');
+  const [connecting, setConnecting]   = useState(false);
+  const [syncing, setSyncing]         = useState(null);
+  const [disconnectTarget, setDisconnectTarget] = useState(null);
+  const [disconnecting, setDisconnecting]       = useState(false);
+
+  const load = useCallback(async () => {
+    setLoadError('');
+    try {
+      const [status, sources] = await Promise.all([
+        api.simplefinStatus(),
+        api.dataSources({ type: 'provider_sync' }),
+      ]);
+      setEnabled(status.enabled);
+      const conns = Array.isArray(sources) ? sources.filter(s => s.provider === 'simplefin') : [];
+      setConnections(conns);
+      onConnectionChange?.(conns[0] || null);
+    } catch (err) {
+      setEnabled(false);
+      setLoadError(err.message || 'Failed to load bank sync status');
+    }
+  }, [onConnectionChange]);
+
+  useEffect(() => { load(); }, [load]);
+
+  const handleConnect = async () => {
+    const token = setupToken.trim();
+    if (!token) { toast.error('Paste your SimpleFIN setup token first.'); return; }
+    setConnecting(true);
+    try {
+      const result = await api.connectSimplefin(token);
+      toast.success(`Connected — ${result.accountsUpserted} account(s), ${result.transactionsNew} new transaction(s).`);
+      setSetupToken('');
+      await load();
+    } catch (err) {
+      toast.error(err.message || 'Failed to connect SimpleFIN');
+    } finally {
+      setConnecting(false);
+    }
+  };
+
+  const handleSync = async (id) => {
+    setSyncing(id);
+    try {
+      const result = await api.syncDataSource(id);
+      toast.success(`Synced — ${result.transactionsNew} new transaction(s).`);
+      await load();
+    } catch (err) {
+      toast.error(err.message || 'Sync failed');
+      await load();
+    } finally {
+      setSyncing(null);
+    }
+  };
+
+  const handleDisconnect = async () => {
+    if (!disconnectTarget) return;
+    setDisconnecting(true);
+    try {
+      await api.deleteDataSource(disconnectTarget.id);
+      toast.success('SimpleFIN disconnected.');
+      setDisconnectTarget(null);
+      await load();
+    } catch (err) {
+      toast.error(err.message || 'Failed to disconnect');
+    } finally {
+      setDisconnecting(false);
+    }
+  };
+
+  function fmtDate(iso) {
+    if (!iso) return '—';
+    return new Date(iso).toLocaleString(undefined, { month: 'short', day: 'numeric', year: 'numeric', hour: '2-digit', minute: '2-digit' });
+  }
+
+  if (enabled === null) {
+    return (
+      <SectionCard title="Bank Sync">
+        <div className="px-6 py-6 flex items-center gap-2 text-sm text-muted-foreground">
+          <Loader2 className="h-4 w-4 animate-spin" />
+          Loading…
+        </div>
+      </SectionCard>
+    );
+  }
+
+  return (
+    <>
+      <SectionCard title="Bank Sync" subtitle="Connect your SimpleFIN Bridge to sync read-only bank transactions.">
+        {!enabled ? (
+          <div className="px-6 py-5 text-sm text-muted-foreground">
+            Bank sync is not enabled on this server. Ask your administrator to enable it in the Admin panel.
+          </div>
+        ) : (
+          <>
+            {loadError && (
+              <div className="px-6 py-3 text-sm text-destructive">{loadError}</div>
+            )}
+
+            {connections.length > 0 && connections.map(conn => (
+              <div key={conn.id} className="px-6 py-4 space-y-3">
+                <div className="flex items-start justify-between gap-3">
+                  <div className="flex items-center gap-3 min-w-0">
+                    <Building2 className="h-5 w-5 shrink-0 text-muted-foreground" />
+                    <div className="min-w-0">
+                      <p className="text-sm font-medium truncate">{conn.name}</p>
+                      <p className="text-xs text-muted-foreground mt-0.5">
+                        {conn.account_count} account{conn.account_count !== 1 ? 's' : ''} ·{' '}
+                        {conn.transaction_count} transaction{conn.transaction_count !== 1 ? 's' : ''}
+                      </p>
+                    </div>
+                  </div>
+                  <div className="flex items-center gap-2 shrink-0">
+                    <Button
+                      size="sm" variant="outline"
+                      onClick={() => handleSync(conn.id)}
+                      disabled={syncing === conn.id}
+                      className="h-8 text-xs gap-1.5"
+                    >
+                      {syncing === conn.id
+                        ? <><Loader2 className="h-3.5 w-3.5 animate-spin" />Syncing…</>
+                        : <><RefreshCw className="h-3.5 w-3.5" />Sync Now</>}
+                    </Button>
+                    <Button
+                      size="sm" variant="ghost"
+                      onClick={() => setDisconnectTarget(conn)}
+                      className="h-8 text-xs gap-1.5 text-muted-foreground hover:text-destructive"
+                    >
+                      <Link2Off className="h-3.5 w-3.5" />
+                      Disconnect
+                    </Button>
+                  </div>
+                </div>
+
+                <div className="grid grid-cols-2 gap-2 sm:grid-cols-3 text-xs">
+                  <div className="rounded-lg border border-border/60 bg-muted/20 px-3 py-2">
+                    <p className="text-muted-foreground">Last sync</p>
+                    <p className="font-medium mt-0.5">{fmtDate(conn.last_sync_at)}</p>
+                  </div>
+                  <div className={cn(
+                    'rounded-lg border px-3 py-2',
+                    conn.last_error ? 'border-destructive/30 bg-destructive/5' : 'border-border/60 bg-muted/20',
+                  )}>
+                    <p className="text-muted-foreground">Status</p>
+                    <p className={cn('font-medium mt-0.5', conn.last_error ? 'text-destructive' : '')}>
+                      {conn.last_error ? conn.last_error : (conn.status === 'active' ? 'Active' : conn.status)}
+                    </p>
+                  </div>
+                </div>
+              </div>
+            ))}
+
+            {connections.length === 0 && (
+              <div className="px-6 py-5 space-y-4">
+                <div className="rounded-lg border border-border/60 bg-muted/20 p-4 text-sm text-muted-foreground">
+                  <p className="font-medium text-foreground mb-1">Connect a SimpleFIN Bridge account</p>
+                  <p>Paste your SimpleFIN setup token below. BillTracker only stores an encrypted access URL — no bank credentials are saved.</p>
+                </div>
+                <div className="flex gap-2">
+                  <Input
+                    value={setupToken}
+                    onChange={e => setSetupToken(e.target.value)}
+                    placeholder="Paste SimpleFIN setup token…"
+                    className="flex-1 font-mono text-xs"
+                  />
+                  <Button onClick={handleConnect} disabled={connecting || !setupToken.trim()} className="shrink-0">
+                    {connecting ? <><Loader2 className="h-4 w-4 animate-spin mr-1.5" />Connecting…</> : 'Connect'}
+                  </Button>
+                </div>
+              </div>
+            )}
+
+            {connections.length > 0 && (
+              <div className="px-6 py-4 border-t border-border/50 space-y-2">
+                <p className="text-xs font-medium text-muted-foreground">Add another connection</p>
+                <div className="flex gap-2">
+                  <Input
+                    value={setupToken}
+                    onChange={e => setSetupToken(e.target.value)}
+                    placeholder="Paste SimpleFIN setup token…"
+                    className="flex-1 font-mono text-xs"
+                  />
+                  <Button size="sm" onClick={handleConnect} disabled={connecting || !setupToken.trim()} className="shrink-0">
+                    {connecting ? <><Loader2 className="h-3.5 w-3.5 animate-spin mr-1" />Connecting…</> : 'Connect'}
+                  </Button>
+                </div>
+              </div>
+            )}
+          </>
+        )}
+      </SectionCard>
+
+      <AlertDialog open={!!disconnectTarget} onOpenChange={open => { if (!open) setDisconnectTarget(null); }}>
+        <AlertDialogContent>
+          <AlertDialogHeader>
+            <AlertDialogTitle>Disconnect SimpleFIN?</AlertDialogTitle>
+            <AlertDialogDescription>
+              This removes the connection and deletes synced accounts. Previously synced transactions
+              are kept but will no longer be associated with a data source.
+            </AlertDialogDescription>
+          </AlertDialogHeader>
+          <AlertDialogFooter>
+            <AlertDialogCancel disabled={disconnecting}>Cancel</AlertDialogCancel>
+            <AlertDialogAction onClick={handleDisconnect} disabled={disconnecting}
+              className="bg-destructive text-destructive-foreground hover:bg-destructive/90">
+              {disconnecting ? 'Disconnecting…' : 'Disconnect'}
+            </AlertDialogAction>
+          </AlertDialogFooter>
+        </AlertDialogContent>
+      </AlertDialog>
+    </>
+  );
+}
diff --git a/client/components/data/TransactionMatchingSection.jsx b/client/components/data/TransactionMatchingSection.jsx
index 4098211..00a96ed 100644
--- a/client/components/data/TransactionMatchingSection.jsx
+++ b/client/components/data/TransactionMatchingSection.jsx
@@ -294,7 +294,16 @@ function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, lo
   );
 }
 
-export default function TransactionMatchingSection({ refreshKey }) {
+function timeAgo(iso) {
+  if (!iso) return null;
+  const secs = Math.floor((Date.now() - new Date(iso).getTime()) / 1000);
+  if (secs < 60)  return 'just now';
+  if (secs < 3600) return `${Math.floor(secs / 60)}m ago`;
+  if (secs < 86400) return `${Math.floor(secs / 3600)}h ago`;
+  return `${Math.floor(secs / 86400)}d ago`;
+}
+
+export default function TransactionMatchingSection({ refreshKey, simplefinConn }) {
   const [transactions, setTransactions] = useState([]);
   const [suggestions, setSuggestions] = useState([]);
   const [bills, setBills] = useState([]);
@@ -423,11 +432,53 @@ export default function TransactionMatchingSection({ refreshKey }) {
     }
   };
 
+  const [quickSyncing, setQuickSyncing] = useState(false);
+
+  const handleQuickSync = async () => {
+    if (!simplefinConn) return;
+    setQuickSyncing(true);
+    try {
+      await api.syncDataSource(simplefinConn.id);
+      await refreshTransactionWorkbench();
+    } catch (err) {
+      toast.error(err.message || 'Sync failed');
+    } finally {
+      setQuickSyncing(false);
+    }
+  };
+
   return (
     <SectionCard
       title="Transactions"
       subtitle="Review imported or manual transactions and confirm matches to bills."
     >
+      {simplefinConn && (
+        <div className="px-6 py-2 flex items-center justify-between gap-3 border-b border-border/50 bg-muted/20 text-xs text-muted-foreground">
+          <span className="flex items-center gap-1.5">
+            <span className={cn(
+              'h-1.5 w-1.5 rounded-full shrink-0',
+              simplefinConn.last_error ? 'bg-destructive' : 'bg-emerald-500',
+            )} />
+            SimpleFIN
+            {simplefinConn.last_sync_at && (
+              <span>· synced {timeAgo(simplefinConn.last_sync_at)}</span>
+            )}
+            {simplefinConn.last_error && (
+              <span className="text-destructive">· {simplefinConn.last_error}</span>
+            )}
+          </span>
+          <button
+            type="button"
+            onClick={handleQuickSync}
+            disabled={quickSyncing}
+            className="flex items-center gap-1 hover:text-foreground transition-colors disabled:opacity-50"
+          >
+            {quickSyncing
+              ? <><Loader2 className="h-3 w-3 animate-spin" />Syncing…</>
+              : <><RefreshCw className="h-3 w-3" />Sync Now</>}
+          </button>
+        </div>
+      )}
       <div className="px-6 py-5 space-y-4">
         <div className="flex flex-col gap-3 lg:flex-row lg:items-center lg:justify-between">
           <div className="flex flex-wrap gap-2">
diff --git a/client/components/layout/Layout.jsx b/client/components/layout/Layout.jsx
index 0440d55..394c482 100644
--- a/client/components/layout/Layout.jsx
+++ b/client/components/layout/Layout.jsx
@@ -1,5 +1,26 @@
+import React, { useState, useEffect } from 'react';
 import { Link, Outlet } from 'react-router-dom';
 import AppNavigation from './Sidebar';
+import { api } from '@/api';
+
+function SimplefinBadge() {
+  const [enabled, setEnabled] = useState(false);
+
+  useEffect(() => {
+    api.simplefinStatus()
+      .then(d => setEnabled(!!d.enabled))
+      .catch(() => {});
+  }, []);
+
+  if (!enabled) return null;
+
+  return (
+    <span className="inline-flex items-center gap-1.5">
+      <span className="h-1.5 w-1.5 rounded-full bg-emerald-500" aria-hidden="true" />
+      SimpleFIN
+    </span>
+  );
+}
 
 export default function Layout({ mainContentId }) {
   return (
@@ -21,6 +42,7 @@ export default function Layout({ mainContentId }) {
       >
         <Link to="/about" className="underline-offset-4 hover:text-foreground hover:underline">About</Link>
         <Link to="/release-notes" className="underline-offset-4 hover:text-foreground hover:underline">Release Notes</Link>
+        <SimplefinBadge />
       </footer>
     </div>
   );
diff --git a/client/pages/AdminPage.jsx b/client/pages/AdminPage.jsx
index 74ec73e..9db6eb9 100644
--- a/client/pages/AdminPage.jsx
+++ b/client/pages/AdminPage.jsx
@@ -4,6 +4,7 @@ import { api } from '@/api';
 import AppNavigation from '@/components/layout/Sidebar';
 import OnboardingWizard from '@/components/admin/OnboardingWizard';
 import EmailNotifCard from '@/components/admin/EmailNotifCard';
+import BankSyncAdminCard from '@/components/admin/BankSyncAdminCard';
 import LoginModeCard from '@/components/admin/LoginModeCard';
 import AuthMethodsCard from '@/components/admin/AuthMethodsCard';
 import UsersTable from '@/components/admin/UsersTable';
@@ -69,6 +70,7 @@ export default function AdminPage() {
       ) : (
         <main className="mx-auto max-w-5xl px-4 py-6 sm:px-6 lg:px-8 lg:py-8 space-y-6">
           <EmailNotifCard />
+          <BankSyncAdminCard />
           <BackupManagementCard />
           <CleanupPanel />
           <LoginModeCard users={users} />
diff --git a/client/pages/DataPage.jsx b/client/pages/DataPage.jsx
index 4b96676..33eee63 100644
--- a/client/pages/DataPage.jsx
+++ b/client/pages/DataPage.jsx
@@ -1,5 +1,6 @@
-import React, { useState, useEffect } from 'react';
+import React, { useState, useEffect, useCallback } from 'react';
 import { api } from '@/api';
+import BankSyncSection from '@/components/data/BankSyncSection';
 import ImportTransactionCsvSection from '@/components/data/ImportTransactionCsvSection';
 import TransactionMatchingSection from '@/components/data/TransactionMatchingSection';
 import ImportSpreadsheetSection from '@/components/data/ImportSpreadsheetSection';
@@ -9,9 +10,10 @@ import DownloadMyDataSection from '@/components/data/DownloadMyDataSection';
 import ImportHistorySection from '@/components/data/ImportHistorySection';
 
 export default function DataPage() {
-  const [history, setHistory] = useState(null);
+  const [history, setHistory]               = useState(null);
   const [historyLoading, setHistoryLoading] = useState(true);
   const [transactionRefreshKey, setTransactionRefreshKey] = useState(0);
+  const [simplefinConn, setSimplefinConn]   = useState(null);
 
   const loadHistory = async () => {
     setHistoryLoading(true);
@@ -32,6 +34,12 @@ export default function DataPage() {
     setTransactionRefreshKey(key => key + 1);
   };
 
+  // Called by BankSyncSection when connection state changes (connect/sync/disconnect)
+  const handleConnectionChange = useCallback((conn) => {
+    setSimplefinConn(conn || null);
+    setTransactionRefreshKey(key => key + 1);
+  }, []);
+
   return (
     <div className="mx-auto w-full max-w-6xl space-y-5">
       <div className="flex flex-col gap-2 sm:flex-row sm:items-end sm:justify-between">
@@ -47,8 +55,9 @@ export default function DataPage() {
       </div>
 
       <div className="space-y-5">
+        <BankSyncSection onConnectionChange={handleConnectionChange} />
         <ImportTransactionCsvSection onHistoryRefresh={handleTransactionImportComplete} />
-        <TransactionMatchingSection refreshKey={transactionRefreshKey} />
+        <TransactionMatchingSection refreshKey={transactionRefreshKey} simplefinConn={simplefinConn} />
         <ImportSpreadsheetSection onHistoryRefresh={loadHistory} />
         <ImportMyDataSection onHistoryRefresh={loadHistory} />
       </div>
diff --git a/client/pages/SettingsPage.jsx b/client/pages/SettingsPage.jsx
index b335c54..7332311 100644
--- a/client/pages/SettingsPage.jsx
+++ b/client/pages/SettingsPage.jsx
@@ -1,15 +1,11 @@
 import React, { useState, useEffect, useCallback } from 'react';
 import { useNavigate } from 'react-router-dom';
 import { toast } from 'sonner';
-import { AlertCircle, Building2, Link2Off, Loader2, Moon, RefreshCw, Sun, Users } from 'lucide-react';
+import { AlertCircle, Moon, RefreshCw, Sun, Users } from 'lucide-react';
 import { api } from '@/api';
 import { cn } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
 import { Input } from '@/components/ui/input';
-import {
-  AlertDialog, AlertDialogAction, AlertDialogCancel, AlertDialogContent,
-  AlertDialogDescription, AlertDialogFooter, AlertDialogHeader, AlertDialogTitle,
-} from '@/components/ui/alert-dialog';
 import {
   Select, SelectTrigger, SelectValue, SelectContent, SelectItem,
 } from '@/components/ui/select';
@@ -212,239 +208,6 @@ function SettingsSkeleton() {
   );
 }
 
-// ─── Bank Sync Section ────────────────────────────────────────────────────────
-
-function BankSyncSection() {
-  const [enabled, setEnabled]         = useState(null);   // null = loading
-  const [connections, setConnections] = useState([]);
-  const [loadError, setLoadError]     = useState('');
-  const [setupToken, setSetupToken]   = useState('');
-  const [connecting, setConnecting]   = useState(false);
-  const [syncing, setSyncing]         = useState(null);   // id being synced
-  const [disconnectTarget, setDisconnectTarget] = useState(null);
-  const [disconnecting, setDisconnecting]       = useState(false);
-
-  const load = useCallback(async () => {
-    setLoadError('');
-    try {
-      const [status, sources] = await Promise.all([
-        api.simplefinStatus(),
-        api.dataSources({ type: 'provider_sync' }),
-      ]);
-      setEnabled(status.enabled);
-      setConnections(Array.isArray(sources) ? sources.filter(s => s.provider === 'simplefin') : []);
-    } catch (err) {
-      setEnabled(false);
-      setLoadError(err.message || 'Failed to load bank sync status');
-    }
-  }, []);
-
-  useEffect(() => { load(); }, [load]);
-
-  const handleConnect = async () => {
-    const token = setupToken.trim();
-    if (!token) { toast.error('Paste your SimpleFIN setup token first.'); return; }
-    setConnecting(true);
-    try {
-      const result = await api.connectSimplefin(token);
-      toast.success(`Connected — ${result.accountsUpserted} account(s), ${result.transactionsNew} new transaction(s).`);
-      setSetupToken('');
-      await load();
-    } catch (err) {
-      toast.error(err.message || 'Failed to connect SimpleFIN');
-    } finally {
-      setConnecting(false);
-    }
-  };
-
-  const handleSync = async (id) => {
-    setSyncing(id);
-    try {
-      const result = await api.syncDataSource(id);
-      toast.success(`Synced — ${result.transactionsNew} new transaction(s).`);
-      await load();
-    } catch (err) {
-      toast.error(err.message || 'Sync failed');
-      await load();
-    } finally {
-      setSyncing(null);
-    }
-  };
-
-  const handleDisconnect = async () => {
-    if (!disconnectTarget) return;
-    setDisconnecting(true);
-    try {
-      await api.deleteDataSource(disconnectTarget.id);
-      toast.success('SimpleFIN disconnected.');
-      setDisconnectTarget(null);
-      await load();
-    } catch (err) {
-      toast.error(err.message || 'Failed to disconnect');
-    } finally {
-      setDisconnecting(false);
-    }
-  };
-
-  function fmtDate(iso) {
-    if (!iso) return '—';
-    return new Date(iso).toLocaleString(undefined, { month: 'short', day: 'numeric', year: 'numeric', hour: '2-digit', minute: '2-digit' });
-  }
-
-  if (enabled === null) {
-    return (
-      <SectionCard title="Bank Sync">
-        <div className="px-6 py-6 flex items-center gap-2 text-sm text-muted-foreground">
-          <Loader2 className="h-4 w-4 animate-spin" />
-          Loading…
-        </div>
-      </SectionCard>
-    );
-  }
-
-  return (
-    <>
-      <SectionCard title="Bank Sync">
-        {!enabled ? (
-          <div className="px-6 py-5 text-sm text-muted-foreground">
-            Bank sync is not enabled on this server.
-            Set <code className="rounded bg-muted px-1 py-0.5 text-xs font-mono">BANK_SYNC_ENABLED=true</code> and
-            a <code className="rounded bg-muted px-1 py-0.5 text-xs font-mono">TOKEN_ENCRYPTION_KEY</code> in your
-            environment to enable SimpleFIN.
-          </div>
-        ) : (
-          <>
-            {loadError && (
-              <div className="px-6 py-3 text-sm text-destructive">{loadError}</div>
-            )}
-
-            {/* Connected accounts */}
-            {connections.length > 0 && connections.map(conn => (
-              <div key={conn.id} className="px-6 py-4 space-y-3">
-                <div className="flex items-start justify-between gap-3">
-                  <div className="flex items-center gap-3 min-w-0">
-                    <Building2 className="h-5 w-5 shrink-0 text-muted-foreground" />
-                    <div className="min-w-0">
-                      <p className="text-sm font-medium truncate">{conn.name}</p>
-                      <p className="text-xs text-muted-foreground mt-0.5">
-                        {conn.account_count} account{conn.account_count !== 1 ? 's' : ''} ·{' '}
-                        {conn.transaction_count} transaction{conn.transaction_count !== 1 ? 's' : ''}
-                      </p>
-                    </div>
-                  </div>
-                  <div className="flex items-center gap-2 shrink-0">
-                    <Button
-                      size="sm" variant="outline"
-                      onClick={() => handleSync(conn.id)}
-                      disabled={syncing === conn.id}
-                      className="h-8 text-xs gap-1.5"
-                    >
-                      {syncing === conn.id
-                        ? <><Loader2 className="h-3.5 w-3.5 animate-spin" />Syncing…</>
-                        : <><RefreshCw className="h-3.5 w-3.5" />Sync Now</>}
-                    </Button>
-                    <Button
-                      size="sm" variant="ghost"
-                      onClick={() => setDisconnectTarget(conn)}
-                      className="h-8 text-xs gap-1.5 text-muted-foreground hover:text-destructive"
-                    >
-                      <Link2Off className="h-3.5 w-3.5" />
-                      Disconnect
-                    </Button>
-                  </div>
-                </div>
-
-                <div className="grid grid-cols-2 gap-2 sm:grid-cols-3 text-xs">
-                  <div className="rounded-lg border border-border/60 bg-muted/20 px-3 py-2">
-                    <p className="text-muted-foreground">Last sync</p>
-                    <p className="font-medium mt-0.5">{fmtDate(conn.last_sync_at)}</p>
-                  </div>
-                  <div className={cn(
-                    'rounded-lg border px-3 py-2',
-                    conn.last_error ? 'border-destructive/30 bg-destructive/5' : 'border-border/60 bg-muted/20',
-                  )}>
-                    <p className="text-muted-foreground">Status</p>
-                    <p className={cn('font-medium mt-0.5', conn.last_error ? 'text-destructive' : '')}>
-                      {conn.last_error ? conn.last_error : (conn.status === 'active' ? 'Active' : conn.status)}
-                    </p>
-                  </div>
-                </div>
-              </div>
-            ))}
-
-            {/* Connect form */}
-            {connections.length === 0 && (
-              <div className="px-6 py-5 space-y-4">
-                <div className="rounded-lg border border-border/60 bg-muted/20 p-4 text-sm text-muted-foreground">
-                  <p className="font-medium text-foreground mb-1">Connect a SimpleFIN Bridge account</p>
-                  <p>Paste your SimpleFIN setup token below. BillTracker only stores an encrypted access URL — no bank credentials are saved.</p>
-                </div>
-                <div className="flex gap-2">
-                  <Input
-                    value={setupToken}
-                    onChange={e => setSetupToken(e.target.value)}
-                    placeholder="Paste SimpleFIN setup token…"
-                    className="flex-1 font-mono text-xs"
-                  />
-                  <Button
-                    onClick={handleConnect}
-                    disabled={connecting || !setupToken.trim()}
-                    className="shrink-0"
-                  >
-                    {connecting ? <><Loader2 className="h-4 w-4 animate-spin mr-1.5" />Connecting…</> : 'Connect'}
-                  </Button>
-                </div>
-              </div>
-            )}
-
-            {/* Add another connection — only show if already connected */}
-            {connections.length > 0 && (
-              <div className="px-6 py-4 border-t border-border/50 space-y-2">
-                <p className="text-xs font-medium text-muted-foreground">Add another connection</p>
-                <div className="flex gap-2">
-                  <Input
-                    value={setupToken}
-                    onChange={e => setSetupToken(e.target.value)}
-                    placeholder="Paste SimpleFIN setup token…"
-                    className="flex-1 font-mono text-xs"
-                  />
-                  <Button
-                    size="sm"
-                    onClick={handleConnect}
-                    disabled={connecting || !setupToken.trim()}
-                    className="shrink-0"
-                  >
-                    {connecting ? <><Loader2 className="h-3.5 w-3.5 animate-spin mr-1" />Connecting…</> : 'Connect'}
-                  </Button>
-                </div>
-              </div>
-            )}
-          </>
-        )}
-      </SectionCard>
-
-      <AlertDialog open={!!disconnectTarget} onOpenChange={open => { if (!open) setDisconnectTarget(null); }}>
-        <AlertDialogContent>
-          <AlertDialogHeader>
-            <AlertDialogTitle>Disconnect SimpleFIN?</AlertDialogTitle>
-            <AlertDialogDescription>
-              This removes the connection and deletes synced accounts. Previously synced transactions
-              are kept but will no longer be associated with a data source.
-            </AlertDialogDescription>
-          </AlertDialogHeader>
-          <AlertDialogFooter>
-            <AlertDialogCancel disabled={disconnecting}>Cancel</AlertDialogCancel>
-            <AlertDialogAction onClick={handleDisconnect} disabled={disconnecting}
-              className="bg-destructive text-destructive-foreground hover:bg-destructive/90">
-              {disconnecting ? 'Disconnecting…' : 'Disconnect'}
-            </AlertDialogAction>
-          </AlertDialogFooter>
-        </AlertDialogContent>
-      </AlertDialog>
-    </>
-  );
-}
-
 // ─── SettingsPage ─────────────────────────────────────────────────────────────
 
 export default function SettingsPage() {
@@ -576,8 +339,6 @@ export default function SettingsPage() {
         </SettingRow>
       </SectionCard>
 
-      {/* Bank Sync */}
-      <BankSyncSection />
 
       {/* Save button — right-aligned below all cards */}
       <div className="flex justify-end mt-6">
diff --git a/routes/admin.js b/routes/admin.js
index 205e9a2..047197f 100644
--- a/routes/admin.js
+++ b/routes/admin.js
@@ -1,6 +1,7 @@
 const express = require('express');
 const router  = express.Router();
 const { getDb, rollbackMigration } = require('../db/database');
+const { getBankSyncConfig, setBankSyncEnabled } = require('../services/bankSyncConfigService');
 const { hashPassword } = require('../services/authService');
 const { logAudit } = require('../services/auditService');
 const {
@@ -396,6 +397,26 @@ router.put('/auth-mode', (req, res) => {
   }
 });
 
+// ── Bank Sync Config ──────────────────────────────────────────────────────────
+
+// GET /api/admin/bank-sync-config
+router.get('/bank-sync-config', (req, res) => {
+  res.json(getBankSyncConfig());
+});
+
+// PUT /api/admin/bank-sync-config
+router.put('/bank-sync-config', (req, res) => {
+  const enabled = req.body?.enabled;
+  if (typeof enabled !== 'boolean') {
+    return res.status(400).json({ error: 'enabled must be a boolean' });
+  }
+  try {
+    res.json(setBankSyncEnabled(enabled));
+  } catch (err) {
+    res.status(err.status || 500).json({ error: err.message || 'Failed to update bank sync config' });
+  }
+});
+
 // ── Migration Rollback ────────────────────────────────────────────────────────
 router.post('/migrations/rollback', async (req, res) => {
   const { version } = req.body;
diff --git a/routes/dataSources.js b/routes/dataSources.js
index 41f6517..3f4d73a 100644
--- a/routes/dataSources.js
+++ b/routes/dataSources.js
@@ -6,8 +6,7 @@ const { standardizeError }                         = require('../middleware/erro
 const { decorateDataSource, ensureManualDataSource } = require('../services/transactionService');
 const { connectSimplefin, syncDataSource, disconnectDataSource } = require('../services/bankSyncService');
 const { sanitizeErrorMessage }                     = require('../services/simplefinService');
-
-const BANK_SYNC_ENABLED = process.env.BANK_SYNC_ENABLED === 'true';
+const { getBankSyncConfig }                        = require('../services/bankSyncConfigService');
 
 const VALID_TYPES    = new Set(['manual', 'file_import', 'provider_sync']);
 const VALID_STATUSES = new Set(['active', 'inactive', 'error']);
@@ -63,13 +62,14 @@ router.get('/', (req, res) => {
 // ─── GET /api/data-sources/simplefin/status ──────────────────────────────────
 
 router.get('/simplefin/status', (req, res) => {
-  res.json({ enabled: BANK_SYNC_ENABLED });
+  const { enabled } = getBankSyncConfig();
+  res.json({ enabled });
 });
 
 // ─── POST /api/data-sources/simplefin/connect ────────────────────────────────
 
 router.post('/simplefin/connect', async (req, res) => {
-  if (!BANK_SYNC_ENABLED) {
+  if (!getBankSyncConfig().enabled) {
     return res.status(503).json(standardizeError('Bank sync is not enabled on this server', 'BANK_SYNC_DISABLED'));
   }
 
@@ -91,7 +91,7 @@ router.post('/simplefin/connect', async (req, res) => {
 // ─── POST /api/data-sources/:id/sync ─────────────────────────────────────────
 
 router.post('/:id/sync', async (req, res) => {
-  if (!BANK_SYNC_ENABLED) {
+  if (!getBankSyncConfig().enabled) {
     return res.status(503).json(standardizeError('Bank sync is not enabled on this server', 'BANK_SYNC_DISABLED'));
   }
 
@@ -113,7 +113,7 @@ router.post('/:id/sync', async (req, res) => {
 // ─── DELETE /api/data-sources/:id ────────────────────────────────────────────
 
 router.delete('/:id', (req, res) => {
-  if (!BANK_SYNC_ENABLED) {
+  if (!getBankSyncConfig().enabled) {
     return res.status(503).json(standardizeError('Bank sync is not enabled on this server', 'BANK_SYNC_DISABLED'));
   }
 
diff --git a/services/bankSyncConfigService.js b/services/bankSyncConfigService.js
new file mode 100644
index 0000000..d451c7a
--- /dev/null
+++ b/services/bankSyncConfigService.js
@@ -0,0 +1,50 @@
+'use strict';
+
+const { getSetting, setSetting } = require('../db/database');
+
+const SYNC_DAYS_DEFAULT = 90;
+
+function encryptionKeyReady() {
+  const key = process.env.TOKEN_ENCRYPTION_KEY || '';
+  return Buffer.from(key, 'utf8').length >= 32;
+}
+
+function getBankSyncConfig() {
+  const dbValue  = getSetting('bank_sync_enabled');
+  const envValue = process.env.BANK_SYNC_ENABLED;
+
+  let enabled;
+  if (dbValue !== null && dbValue !== undefined && dbValue !== '') {
+    enabled = dbValue === 'true';
+  } else if (envValue !== undefined && envValue !== '') {
+    enabled = envValue === 'true';
+  } else {
+    enabled = false;
+  }
+
+  const syncDaysDb  = parseInt(getSetting('simplefin_sync_days') || '', 10);
+  const syncDaysEnv = parseInt(process.env.SIMPLEFIN_SYNC_DAYS || '', 10);
+  const syncDays    = Number.isFinite(syncDaysDb) && syncDaysDb > 0
+    ? syncDaysDb
+    : Number.isFinite(syncDaysEnv) && syncDaysEnv > 0
+    ? syncDaysEnv
+    : SYNC_DAYS_DEFAULT;
+
+  return {
+    enabled,
+    encryption_key_set: encryptionKeyReady(),
+    sync_days: syncDays,
+  };
+}
+
+function setBankSyncEnabled(enabled) {
+  if (enabled && !encryptionKeyReady()) {
+    const err = new Error('TOKEN_ENCRYPTION_KEY must be set (32+ chars) before enabling bank sync');
+    err.status = 400;
+    throw err;
+  }
+  setSetting('bank_sync_enabled', enabled ? 'true' : 'false');
+  return getBankSyncConfig();
+}
+
+module.exports = { getBankSyncConfig, setBankSyncEnabled };