How Long Does It Take for My Accounts to Sync?

Last updated: October 9, 2026

Overview

A newly connected account usually shows its balance within about a minute. Mezzi tells you so directly: "We're syncing your account data. This takes about a minute." Holdings, transactions and history take longer, and a complete first sync can run 24 to 48 hours, especially for brokerages and employer retirement plans. After that, connected accounts refresh automatically roughly every 12 hours, and some brokerages only publish new trades once a day, so recent trades can take up to a day to appear.

📌 What You Need to Know

The first few minutes

  • Right after you connect, you'll see "Syncing your account" while Mezzi pulls the first snapshot. Balances and account names typically land within a minute or two. It's normal for holdings to be empty or partial at this stage.

The first 24 to 48 hours

  • Position-level detail, cost basis and transaction history arrive after the balance does, and the wait varies by institution and provider. Brokerages with deep history and employer plans with proprietary funds are the slowest. Support's standard guidance after a new connection, a repair, or a manual refresh is to allow 24 to 48 hours before treating incomplete data as a problem.

  • Two things can look wrong during this window and aren't: holdings temporarily grouped as cash, and performance figures that haven't populated yet. If either persists past 48 hours, see Why Do My Holdings Show as Cash Instead of Investments?.

After that: about every 12 hours

  • Once established, holdings and transactions refresh automatically on roughly a 12-hour cadence, timed from when the connection was first created. That means your refresh times won't line up neatly with the market close, and same-day trades may not appear until the next cycle.

  • You can trigger an update yourself with Refresh connection, but not more than once an hour. See Why Can't I Refresh My Account More Than Once an Hour?.

When your brokerage publishes once a day

  • Mezzi can only show what your institution makes available. Many brokerages publish positions and trades once a day, after the market closes, so a refresh during the day won't pick up a trade until the brokerage releases it. Market data in Mezzi isn't real time. Two patterns support sees often:

    • Fidelity: holdings and trades can run about a day behind. For example, a fund you just bought may not appear yet, and the cash used to buy it (such as SPAXX) may still show at its old amount.

    • Schwab: trades can arrive late and dated the next business day, so a Friday trade may show as Monday.

  • Your balance catches up once the brokerage's data arrives. If a trade is still missing after two business days, email us.

When a new connection is genuinely stuck

  • If a brand-new connection hasn't produced data after about 12 hours, the syncing card on Home escalates to a Get support prompt. That's the signal to stop waiting. At that point it's usually not slowness. The common cause is a duplicate account record created at connect time, which never syncs no matter how long you leave it. Support can spot that quickly, and there's nothing you need to reconnect.

  • The message "This account never synced - refresh your connection" points the same way. Try one refresh, and if nothing changes, email us.

Important Notes

  • A repair restores forward syncing, not missing history. After repairing a broken connection, allow the same 24 to 48 hours for the account to fill back in. If transactions from before the break are still missing after that, tell support the date range.

  • Manually added accounts don't sync at all. They hold the value you enter until you change it, by design.

  • Timing differs by institution, not by membership tier. Sync cadence is the same on every plan, including Free.

🗨 Still Need Help?

Email help@mezzi.com or text/call (415) 763-6997 with:

  • the account name in Mezzi and the institution

  • when you connected or last repaired it

  • what's present and what's missing: balance only, holdings but no transactions, a specific trade (with its date and time), and so on

  • a screenshot of the account screen, plus one from your institution if a trade is missing

Common Questions

  • My balance is right but my holdings are empty. Is that broken? Not in the first day or so. Balances arrive first and positions follow. If holdings are still empty after 48 hours, send us the account name.

  • How often does Mezzi update my accounts automatically? Roughly every 12 hours per connection, timed from when that connection was created rather than from market close.

  • Why don't today's trades show up? They land on the next scheduled refresh after your brokerage publishes them. Many brokerages publish once a day after the close, so allow up to a business day. If a trade is still missing after two business days, email us with the trade date.

  • Why is my trade dated a day later than when I placed it? Some brokerages, including Schwab, send trades dated the next business day. The amounts are correct; only the date differs.

  • It's been two days and one account still shows nothing. What now? Email help@mezzi.com. An account that has never synced usually has a duplicate record behind it, which is ours to fix. You don't need to reconnect anything.