# CVE-2026-27584: ActualBudget server is Missing Authentication for SimpleFIN and Pluggy AI bank sync endpoints

> Unauthenticated attackers can read sensitive bank account balances and transaction history via SimpleFIN or Pluggy AI endpoints in ActualBudget Server.

- **Severity:** Critical 9.2 (`CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:H/VI:N/VA:N/SC:H/SI:N/SA:N`)
- **Exploited in the wild:** Not known
- **Login needed:** Not needed
- **Attackable:** Over the internet
- **Victim action needed:** Not needed
- **Fix available:** Yes
- **Published:** 24 Feb 2026
- **Updated:** 27 Feb 2026
- **Also known as:** GHSA-m2cq-xjgm-f668

## What is CVE-2026-27584?

CVE-2026-27584 is a critical missing authorization vulnerability in actualbudget actual, published on 24 Feb 2026. An attacker can exploit it over the internet without logging in, with no action from the victim.

### Official description

Actual is a local-first personal finance tool. Prior to version 26.2.1, missing authentication middleware in the ActualBudget server component allows any unauthenticated user to query the SimpleFIN and Pluggy.ai integration endpoints and read sensitive bank account balance and transaction information. This vulnerability allows an unauthenticated attacker to read the bank account balance and transaction history of ActualBudget users. This vulnerability impacts all ActualBudget Server users with the SimpleFIN or Pluggy.ai integrations configured. The ActualBudget Server instance must be reachable over the network. Version 26.2.1 patches the issue.

Weakness: CWE-306 (Missing Authentication for Critical Functionality)

## Which versions are affected by CVE-2026-27584?

2 open source packages ship an affected version, including @actual-app/sync-server. It affects 1 product.


| Package | Ecosystem | Affected | Fixed in |
| --- | --- | --- | --- |
| `@actual-app/sync-server` | npm | All versions | 26.2.1 |
| `@actual-app/sync-server` | npm | All versions | 26.2.1 |

Products: Actualbudget Actual.

## How do I fix CVE-2026-27584?

Upgrade @actual-app/sync-server to 26.2.1 or later.

## Is CVE-2026-27584 being exploited?

It is not confirmed as exploited in the wild, but public exploit code for CVE-2026-27584 exists.

## Other vulnerabilities in actualbudget actual

- [CVE-2026-33318](https://insights.sbomify.com/CVE-2026-33318/): Actual has Privilege Escalation via 'change-password' Endpoint on OpenID-Migrated Servers (high 8.8)
- [CVE-2026-27638](https://insights.sbomify.com/CVE-2026-27638/): ActualBudget missing authorization in sync endpoints allows cross-user budget file access in multi-user mode (medium 5.7)
- [CVE-2026-3089](https://insights.sbomify.com/CVE-2026-3089/): Actual Sync Server 26.2.1 - Authenticated Path Traversal (medium 5.3)

## Fix prompt for AI coding agents

```text
Check this codebase for CVE-2026-27584 and fix it if it is affected.

What it is: CVE-2026-27584 is a critical missing authorization vulnerability in actualbudget actual, published on 24 Feb 2026. An attacker can exploit it over the internet without logging in, with no action from the victim.
Exploitation: It is not confirmed as exploited in the wild, but public exploit code for CVE-2026-27584 exists.

Affected packages and fixed versions:
- @actual-app/sync-server (npm): affected all versions; fixed in 26.2.1
- @actual-app/sync-server (npm): affected all versions; fixed in 26.2.1

Task:
1. Search the dependency manifests and lockfiles (for example package.json, package-lock.json, requirements.txt, poetry.lock, uv.lock, pom.xml, build.gradle, go.mod, Cargo.lock, Gemfile.lock) and any Dockerfiles for the affected packages, including transitive dependencies.
2. If an affected version is in use, upgrade it to the fixed version for its release line with the project's package manager, so the lockfile is regenerated. Prefer the smallest upgrade that fixes it.
3. If there is no fix, or the upgrade would break the build, do not guess: explain the risk and the safest workaround instead.
4. Run the tests and summarise what changed and why.
5. If nothing in the project is affected, say so and change nothing.

Reference: https://insights.sbomify.com/CVE-2026-27584/ (Markdown: https://insights.sbomify.com/CVE-2026-27584/index.md)
```

## Sources

- CVE record: https://www.cve.org/CVERecord?id=CVE-2026-27584
- NVD: https://nvd.nist.gov/vuln/detail/CVE-2026-27584
- OSV: https://osv.dev/vulnerability/CVE-2026-27584

---
From sbomify Insights: https://insights.sbomify.com/CVE-2026-27584/
Summaries are generated and may contain mistakes; the official description above is the record.