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Simplii Financial Credit Card Interface Stopped Working

rab

In the last few weeks the download for Simplii Financial credit card stopped working. Very frustrating. Noticed it first after upgrading to a recent Quicken upgrade. Have since upgraded to the most recent Quicken version but still getting the same error. I am using Quicken for Windows Classic Business and Personal. I find it so discouraging when these problems occur. I just paid for a new annual subscription just before this happened.

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Arctic Hare

What version of Quicken are you running now?

rab

Canada Version R65.20 Build 27.1.65.20

Arctic Hare

I asked about the version because some people manage to get the US version installed, which would cause that problem; however, the Rev # you posted is, in fact, the latest Canadian version.

I would try creating a brand new Quicken file - as a test - and try setting up downloads from your financial institution in the new file. Let us know the result of that test.

FWIW, it is highly unlikely this issue is related to the version upgrade. It is highly likely that is mere conincidence. I'm not suggesting you don't have an issue. I'm merely suggesting that the issue is unrelated to the version upgrade.

rab

Your points are well-taken. And, of course, it is possible that this is some change made at the bank for this type of account. The important distinction here is that it is only the credit card download that has stopped working. The downloads for all other accounts at this bank (chequing, savings, TFSA, high-interest, etc.) continue to work just fine. It is only the credit card account that fails.

UKR

If you are trying to import a QFX file downloaded from the bank's website and it fails … you may want to read and follow (bookmark) this lengthy discussion: Simplii bank Canada-CC-885 error — Quicken

In a nutshell … it appears to me that the bank decided to no longer support QFX file downloads.

Arctic Hare

https://community.quicken.com/discussion/comment/20529061#Comment_20529061

However, that FI is still listed in the FIDIR.TXT for EWC and WC downloads, so, in theory, it should still be supported.

UKR

https://community.quicken.com/discussion/comment/20529114#Comment_20529114

Which fidir.txt file are you looking at? The US or the Canadian version's file? I understand they're different.
What FID number(s) are posted in the bank's record?

My US fidir.txt file shows this:
05060 05060 05060 Simplii Financial https://www.simplii.com/ 1-888-872-4724 https://www.simplii.com/en/home.html ACTIVE BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT NOT_QBP NA

Note that &WEB-CONNECT is absent … which would explain the CC-885 "unable to verify" error when importing a QFX file into the US version of Q Windows.

And, looking into a downloaded QFX file (edit with Notepad), what number is used in the <FID> and <INTU.BID> records at the top of the file?

The users complaining about this issue:
Are they downloading from a US branch of Simplii or a Canadian branch?
Are they using the US version of Quicken for Windows, the Canadian version for Windows or the Mac version (set to US or CA?)

Arctic Hare

https://community.quicken.com/discussion/comment/20529122#Comment_20529122

I was looking in the Canadian FIDIR.TXT and it contains this line for simplii:

05060 05060 05060 Simplii Financial https://www.simplii.com/ 1-888-872-4724 https://www.simplii.com/en/home.html ACTIVE BANKING&WEB-CONNECT BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT NOT_QBP NA

We did establish above that the OP is using the Canadian version of Quicken Classic.

I do note, however, that the &Web-Connect entry does not contain "Credit", so it looks like Simplii decided to stop supporting credit card download.

rab

Thanks to you folks for the continued interest and work on this issue. I am just getting back to this issue now that the holiday rush has subsided. Based on your comments, I have done a couple of things:

First, I checked the QFX file for the <FID> and <INTU.BID> records. <FID> does not exist but <INTU.BID> is "05060".

Secondly, I tried re-processing a QFX that I had previously successfully processed. This file now fails with the same error I have been encountering. This leads me to believe that the problem is not with either the download file or the recent updates. I am unfamiliar with the fidir.txt file you are referring to but I suspect this result would support the theory that the problem is with that file. I suppose the question now is whether this problem occurs because someone edited that file incorrectly or there has been a policy decision. As mentioned before, it is only the credit card accounts that fail. The other account types process without issue.

Again, thanks for pursuing this with me. I appreciate your efforts.

Arctic Hare

https://community.quicken.com/discussion/comment/20529499#Comment_20529499

The FIDIR.TXT is a file on your local PC that defines which download protocols are supported/permitted for each financial institution. The Quicken program frequently downloads updated versions of the FIDIR.TXT. The fact that the "Credit" entry for Web Connect has disappeared out of the entry for Simplii indicates that Web Connect download of credit accounts is no longer supported. You would have to ask Simplii what the reason is for that. It is a bit of an anomaly.

The path where you can find the FIDIR.TXT is here: C:\ProgramData\Quicken\Can\Inet\Common\Localweb\Banklist\2019

You might be able to get the QFX file to import temporarily by editing the the FIDIR.TXT file. I've never tried that, but I think that might work until Quicken downloads and replaces your edited file with a fresh version. You might try that as a test to prove out what I've explained. However, the action that needs to be taken to solve this on a permanent basis is to campaign Simplii to restore support for downloading credit accounts.

To be clear, the FIDIR.TXT definitely plays a role in the issue you are experiencing, but I wouldn't say the problem is with that file because that file merely reflects what has been agreed by contract between each financial institution and Quicken.

rab

Thanks for the clarification on the FIDIR.TXT file. I tried editing the record for Simplii but there was no change. I may have to revert to the automated connection - assuming it still works!

DanielR

I'm getting no updates from Simplii for any of my accounts - chequing, savings, etc. I looked in my FIDIR.TXT and there's no entry for Simplii at all. I was able to sync until Jan 12, 2026. Strange. I sent a support query to the bank.

Arctic Hare

I just re-checked the Canadian FIDIR.txt and found this entry:

05060 05060 05060 Simplii Financial https://www.simplii.com/ 1-888-872-4724 https://www.simplii.com/en/home.html ACTIVE BANKING&WEB-CONNECT BANKING,CREDIT,ACCOUNTINFO&EXP-WEB-CONNECT NOT_QBP NA

You should have the same entry in your FIDIR.TXT. Did you follow the path to the FIDIR.TXT as shown above? I ask because the FIDIR.TXT for the USA version will also be on your computer in a different folder. If you miss the "CAN" in the folder tree you'll end up at the USA FIDIR.TXT. If you don't have the Simplii entry in your FIDIR.TXT, then you need to take that up with Quicken support.

smoutc

I am using Quicken here in Canada, and my ability to download transactions from my Simplii accounts also stopped working this week, and I no longer have an entry in the FIDIR.txt file for them. Downloads from Scotiabank and TD are still working fine, but if I try to resetup the online access for my Simplii accounts, Simplii doesn't even come up in the financial institution search. I hope Simplii didn't drop support for Quicken.

Arctic Hare

OK… I learned something new here. I never before realized what triggered Quicken to update the FIDIR.TXT file. This discussion caused me to realize that update is triggered when one downloads transactions into Quicken - it must check an updated version of the FIDIR.TXT each time one downloads transactions. That makes sense because it prevents one from adding functionality by tweaking the FIDIR.TXT file.

And, guess what, I rechecked the FIDIR.TXT after performing a transaction download and the entry for Simplii had vanished. So, we can conclude that Simplii has terminated its support for Quicken. Possibly a cost saving measure.

IP23

Hello, has it been confirmed if Simplii has stopped supporting Quicken? None of my Simplii accounts (chqing, savings, mortgage, credit card) will update now. When I try to connect from scratch, Simplii is not even a bank that comes up.

Arctic Hare

That is exactly what happens when the financial institution is removed from the FIDIR.TXT. Those affected by this will have to take your concerns up with Simplii.

rab

I think that the biggest frustration for many of us dealing with this issue is the failure of both companies, Quicken AND Simplii, to communicate with their customers. The frustration and time-consuming efforts by customers would have been somewhat mitigated if either one of these companies had the courtesy to communicate in advance that the option was no longer available. While pursuing this with the support teams of both companies, neither has given clear communication whether this is a bug or a corporate decision. Often, the support teams at either company tell you to try a number of unhelpful fixes before giving up. If, in fact, this is a corporate decision and not a bug, why hasn’t someone offered a clear, authoritative explanation?

BeastofRMC

Adding my 2¢ here - all Simplii interactions stopped for me as well. Very frustrating. Cannot re-add to one-step update.

Bobocekdropcek

Same problem here. Version R65.20

Bobocekdropcek

What do we do now? Do I download the transaction list from Simplii?

Will this process mess up my previous transactions?😫

Bobocekdropcek

I can't even find the FIDIR.TX file and there is no CAN folder either. I have the Canadian version too.

ddeeg

Simplii stopped working for me this week as well. Is there a workaround?

Arctic Hare

https://community.quicken.com/discussion/comment/20533288#Comment_20533288

No workaround for this situation. You must take your concern up with Simplii.

GNick

Downloads to all my Simplii Financial bank and credit card accounts (spanning three Quicken files) stopped working and I am unable to perform Simplii one-step updates in Quicken. I am unable to re-activate any of these connections because Simplii is no longer listed among the banks for one-step updating.

Arctic Hare

https://community.quicken.com/discussion/comment/20533450#Comment_20533450

No workaround for this situation. Put “Simplii” (sic) you must take your concern up with Simplii.

webzn

Does anyone have context on what Simplii would have to even do? We already have the QFX file downloading successfully and seems to be properly formatted. Opening the file, the relevant information is INSIDE the file. Why is Quicken blocking this? If you argue Simplii discontinued a feature, you can't, the file is provided. I can understand for the direct connection using one step involving more back and forth, but, in absence of any other information, I feel like Quicken is charging them a fee to OPEN these files in the software and then charging us a monthly fee to USE the software but now we can't use it for our bank.

Arctic Hare

https://community.quicken.com/discussion/comment/20533544#Comment_20533544

Financial institutions have to “pay to play”. The financial institutions must sign an agreement with Quicken and pay a fee to enable support for transaction downloads.

rab

https://community.quicken.com/discussion/comment/20533544#Comment_20533544

Your point resonates with me. I agree that it feels “like Quicken is charging them a fee to OPEN these files in the software and then charging us a monthly fee to USE the software but now we can't use it for our bank.” The QFX file is there and has been working fine for years. It certainly feels like Quicken is punishing those of us who subscribe.

Rlakhani

Had the same error message this week. Not a pretty work around but if you download the OFX/QFX file from the Simplii website, go into downloads and find the downloaded OFX file, change <Intu.bid> from 05060 to 00005. Click on the OFX/QFX data file and it should open up in Quicken.

Here is the gemini version:

Simplii Financial account downloads have stopped importing into Quicken. This affects chequing and savings accounts. The issue is not with the file contents — it’s with how Quicken validates the financial institution.

Here’s what’s happening:

Simplii downloads files with a .qfx extension, but the contents are actually OFX, not QFX.
Code<INTU.BID>05060
Quicken used to accept these files, but recent updates now reject them with the message:“Unable to verify the financial institution information…”
The OFX structure itself is valid. The only reason Quicken rejects the file is because Simplii (05060) is not listed as a supported Web Connect institution.

Interestingly, CIBC VISA files still import correctly because they use a different BID:

Code

<INTU.BID>00005

This corresponds to CIBC credit cards, which Quicken does support.

As a test, changing the BID in a Simplii OFX file from 05060 to 00005 allows Quicken to import it successfully. This confirms that the rejection is due to unsupported BID validation.