diff --git a/routes/summary.js b/routes/summary.js
index 2e5ef34..0a38912 100644
--- a/routes/summary.js
+++ b/routes/summary.js
@@ -28,7 +28,9 @@ function buildBankTrackingSummary(db, userId, year, month) {
   const effectivePendingDays = Number.isInteger(pendingDays) && pendingDays >= 0
     ? pendingDays : DEFAULT_PENDING_DAYS;
 
-  // Payments made in the tracker recently that may not have cleared the bank yet
+  // Only count manually-entered payments as pending — bank-synced payments
+  // (provider_sync) are already reflected in the live bank balance, so
+  // including them would double-deduct.
   const pendingRow = effectivePendingDays > 0
     ? db.prepare(`
         SELECT COALESCE(SUM(p.amount), 0) AS pending_total
@@ -38,6 +40,7 @@ function buildBankTrackingSummary(db, userId, year, month) {
           AND p.paid_date >= date('now', '-' || ? || ' days')
           AND p.paid_date <= date('now')
           AND b.deleted_at IS NULL
+          AND (p.payment_source IS NULL OR p.payment_source != 'provider_sync')
       `).get(userId, effectivePendingDays)
     : { pending_total: 0 };
 
diff --git a/services/trackerService.js b/services/trackerService.js
index a853a8b..701ed9a 100644
--- a/services/trackerService.js
+++ b/services/trackerService.js
@@ -24,6 +24,9 @@ function buildBankTracking(db, userId, year, month) {
   const pendingDays = parseInt(settings.bank_tracking_pending_days, 10);
   const days = Number.isInteger(pendingDays) && pendingDays >= 0 ? pendingDays : DEFAULT_PENDING_DAYS;
 
+  // Only count manually-entered payments as pending — bank-synced payments
+  // (provider_sync) are already reflected in the live bank balance, so
+  // including them would double-deduct.
   const pendingRow = days > 0
     ? db.prepare(`
         SELECT COALESCE(SUM(p.amount), 0) AS pending_total
@@ -31,6 +34,7 @@ function buildBankTracking(db, userId, year, month) {
         WHERE b.user_id = ?
           AND p.paid_date >= date('now', '-' || ? || ' days')
           AND p.paid_date <= date('now') AND b.deleted_at IS NULL
+          AND (p.payment_source IS NULL OR p.payment_source != 'provider_sync')
       `).get(userId, days)
     : { pending_total: 0 };
 
@@ -445,8 +449,9 @@ function getTracker(userId, query = {}, now = new Date()) {
     cashflow,
     rows: bankTracking.enabled
       ? rows.map(r => {
-          // Flag recently-paid rows as pending-cleared when bank tracking is on
-          if (r.status === 'paid' && r.last_paid_date) {
+          // Only flag manually-entered payments as pending-cleared — bank-synced
+          // payments are already in the balance so they don't need the badge.
+          if (r.status === 'paid' && r.last_paid_date && r.payment_source !== 'provider_sync') {
             const cutoff = new Date();
             cutoff.setDate(cutoff.getDate() - bankTracking.pending_days);
             const paidAt = new Date(r.last_paid_date);