Is it safe to connect my bank?

You're being asked to hand a budgeting app your bank login. Stopping to ask about that is the right instinct. Here's the whole answer.

We never see your bank password

Press + Connect a bank and SkrillaPlan hands you to a page Plaid runs. You sign in to your bank there — not in SkrillaPlan. Your password goes to Plaid and your bank, the way it always has. It never arrives here, so there's no version of it here to lose. That short hop out and back is normal. → Why connecting sends you to Plaid

Plaid is the layer underneath a lot of apps you already use, Venmo among them. It's not something we built last month.

What comes back to us is a feed of transactions and balances. That's the whole delivery.

Read-only means read-only

Nothing in SkrillaPlan can move money. Not out of your accounts, not between them, not to us. There's no transfer button, no bill pay, no "send" anywhere in the app — the connection can look, and looking is all it can do.

That's not us being polite. It's the only kind of access we asked your bank for.

Nothing is sold

No ads, no data brokers, no third-party analytics. The page you're reading right now loads nothing from anyone else, and neither does the app. You pay us, so nobody else has to. → What we don't do, and the privacy policy is short on purpose.

Leaving takes one click

Disconnect on the Banks screen unlinks the bank and stops new transactions. Everything already synced stays in your history — leaving doesn't take your budget with it. So connecting isn't a commitment. It's a thing you can undo on a Tuesday afternoon and keep every number you built.

What we won't tell you

We won't tell you nothing can ever go wrong. Nobody honest says that about anything on the internet, and a page that says it is selling you something.

What we can tell you is what the connection does — read your transactions — and what it doesn't do, which is everything else.

Or don't connect at all

Really. Import takes a bank CSV or a whole YNAB export, and the envelopes work exactly the same either way. Plenty of people start there, get a month under their belt, and connect a bank later once the app has earned it. Some never do. Manual-first budgeting is real budgeting. → The Import screen

Connected or by hand, the budget only knows what you show it. Start with whichever one you'll actually do.