{"slug": "plaid", "name": "Plaid", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 5, "commenters": 28, "warners": 15, "score": -6.517, "rising": -1.64, "first": "2025-11-09", "latest": "2026-09-21", "why": "I prefer that they use Plaid since I know it as a trusted entity.", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 5, "neutral": 7, "compare": 1, "warn": 16}, "spark": [2, 0, 0, 0, 0, 1, 2, 0, 0, 0, 0, 0], "listed": true, "loved": [], "caveat": "", "short_quote": "I prefer that they use Plaid since I know it as a trusted entity.", "kind": "", "icon": true, "domain": "plaid.com", "github_repo": null, "official_url": "https://plaid.com", "pricing": "", "aliases": ["Plaid"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 771427520, "item_id": 48214220, "url": "https://news.ycombinator.com/item?id=48214220", "by": "eastbayjake", "date": "2026-05-20", "stance": "recommend", "quote": "In fairness they redirect you to your bank to login", "excerpt": "In fairness they redirect you to your bank to login, you authorize the application (which can be revoked at any time), and then they redirect you back with tokenized information. (In fact it's kind of a pain point that when I use Plaid to link my bank for eg reimbursement deposits from my FSA/HSA, it has tokenized the account numbers so I can't actually tell which account is which.) I guess I get for less savvy users", "context": "", "use_case": "Bank account linking", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 770582768, "item_id": 48161423, "url": "https://news.ycombinator.com/item?id=48161423", "by": "arjie", "date": "2026-05-16", "stance": "recommend", "quote": "I prefer that they use Plaid since I know it as a trusted entity.", "excerpt": "That feels like the natural choice. I\u2019m sure they could claim they\u2019re more advanced by building their own integrations but I prefer that they use Plaid since I know it as a trusted entity. I used to use copilot.money which was a nice app. Nowadays though using a GUI is fairly tedious so I\u2019d rather use an assistant but I want mostly personal cash flow and net worth visualization, and transaction review and this isn\u2019t ", "context": "", "use_case": "bank account connections", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 766432368, "item_id": 47902023, "url": "https://news.ycombinator.com/item?id=47902023", "by": "mbm", "date": "2026-04-25", "stance": "recommend", "quote": "Overall, it's been a pretty good experience!", "excerpt": "Hey! Thanks for stopping by. Actually planning to do a full blog post on this topic soon (how to get started with Plaid). It was a bit of a process involving sales calls, contracts, security attestations, etc., but they're planning to make it easier to try out the platform. There is a pay-as-you-go, developer-friendly option, but the support it includes is pretty flaky. The support issue is less \"my code broke\" and m", "context": "went through Plaid's sales and security onboarding", "use_case": "Bank account data API", "switched_from": "", "story": null}, {"id": 766337680, "item_id": 47896105, "url": "https://news.ycombinator.com/item?id=47896105", "by": "mbm", "date": "2026-04-24", "stance": "recommend", "quote": "for now, Plaid or a Plaid-like competitor is the safest way", "excerpt": "Hear you 100%. It felt very uncomfortable for me the first time I used it, as well. The problem is that there sort of isn't a better way right now in the US, and for now, Plaid or a Plaid-like competitor is the safest way. Eventually, it would be awesome if there were clean, open APIs, and standards around this, but for now, it's the best we have. The alternative of course for the DIY-er is some sort of browser autom", "context": "Tried browser automation before Plaid", "use_case": "Bank account data access", "switched_from": "", "story": null}, {"id": 736213024, "item_id": 46013314, "url": "https://news.ycombinator.com/item?id=46013314", "by": "workworkwork71", "date": "2025-11-22", "stance": "recommend", "quote": "We work with partners (Plaid, Snaptrade) who explicitly state that they DO NOT sell user data", "excerpt": "So you didn't read the article and now you're just throwing out statements without validation? Great, if JPMorgan is selling your data then that's their decision and that's beyond the scope of this convo. We work with partners (Plaid, Snaptrade) who explicitly state that they DO NOT sell user data, and we maintain the same principles: https://plaid.com/safety/ Here is the quote if you're too lazy to read this one too", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}], "caveats": [{"label": "", "summary": "", "quotes": [{"id": 775126497, "item_id": 48445406, "url": "https://news.ycombinator.com/item?id=48445406", "by": "abdullahkhalids", "date": "2026-06-08", "stance": "warn", "quote": "Products like plaid are a no go from a basic security perspective", "excerpt": "I would like to use finance tracking products like GNUCash. But I don't have the patience to download the csv for half a dozen every month (Products like plaid are a no go from a basic security perspective). I am in Canada, and there seems to be no hope that I will have API access to my bank accounts anytime soon. Also, did I mention how much it annoys me that the transaction description differs between the CSV and t", "context": "in Canada", "use_case": "bank data access", "switched_from": "", "story": "Spanish traders set the standard forGnuCash database design"}, {"id": 770423600, "item_id": 48151475, "url": "https://news.ycombinator.com/item?id=48151475", "by": "bubblegumcrisis", "date": "2026-05-15", "stance": "warn", "quote": "when they first came out they were pretty evil.  They would go into your accounts and download all activity.", "excerpt": "I'm not sure if Plaid still is- but when they first came out they were pretty evil. They would go into your accounts and download all activity. I spent many hours e-mailing them, trying to get a clear answer of what data they collect- and they never said no to anything. Whenever I've been forced to use Plaid, I use a throw away \"free-checking\" bank account that has $1 in it. I guess birds of a feather flock together.", "context": "", "use_case": "bank account linking", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 766365408, "item_id": 47897838, "url": "https://news.ycombinator.com/item?id=47897838", "by": "cantrevealname", "date": "2026-04-24", "stance": "warn", "quote": "They sued Plaid in 2020.", "excerpt": "> TD Bank Quite the opposite in the case of TD Bank. They sued Plaid in 2020. \u201cThe bank said in the court filings that the Plaid interface dupes consumers into believing they are entering personal information into TD Bank\u2019s trusted platform.\u201d (They settled in 2021 without explaining the terms of settlement.) https://financialpost.com/news/fp-street/td-bank-files-lawsuit-against-plaid-accusing-it-of-trying-to-dupe-con", "context": "", "use_case": "", "switched_from": "", "story": null}, {"id": 758513137, "item_id": 47407071, "url": "https://news.ycombinator.com/item?id=47407071", "by": "deweller", "date": "2026-03-16", "stance": "warn", "quote": "Plaid and the like are too expensive and don't cater to one-off users like me.", "excerpt": "I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me. Has anyone been able to find a personal financial data provider that has a reasonable price?", "context": "", "use_case": "bank account integration", "switched_from": "", "story": "Show HN: Trackm, a personal finance web app"}]}], "who": [{"by": "mbm", "context": "went through Plaid's sales and security onboarding", "url": "https://news.ycombinator.com/item?id=47902023", "date": "2026-04-25"}], "tags": [], "use_cases": ["bank account linking", "bank data access", "bank account connections", "bank account data api", "bank account data access", "bank account integration"], "compared": [{"slug": "simplefin", "name": "SimpleFIN", "co": 4, "switched_from": 0, "switched_to": 0}, {"slug": "actual-budget", "name": "Actual Budget", "co": 4, "switched_from": 0, "switched_to": 0}, {"slug": "ynab", "name": "YNAB", "co": 3, "switched_from": 0, "switched_to": 0}, {"slug": "lunch-money", "name": "Lunch Money", "co": 2, "switched_from": 0, "switched_to": 0}, {"slug": "snaptrade", "name": "SnapTrade", "co": 2, "switched_from": 0, "switched_to": 0}, {"slug": "stripe", "name": "Stripe", "co": 2, "switched_from": 0, "switched_to": 0}], "makers": [{"id": 757097792, "item_id": 47318612, "url": "https://news.ycombinator.com/item?id=47318612", "by": "phoenixy1", "date": "2026-03-09", "stance": "recommend", "quote": "You do need to set up Link, but it's pretty easy.", "excerpt": "Thanks for the details! Glad to hear you've got full Production access -- if any of the security attestation requirements seem unreasonable for your use case, feel free to reach out to us directly (you can email me at ahoffer@plaid.com and let me know you're the person in this thread) so we can look into it. You do need to set up Link, but it's pretty easy. The Tiny Quickstart(https://github.com/plaid/tiny-quickstart", "context": "", "use_case": "bank data API", "switched_from": "", "story": "Ask HN: General API for accessing bank transactions?"}, {"id": 757071184, "item_id": 47316949, "url": "https://news.ycombinator.com/item?id=47316949", "by": "phoenixy1", "date": "2026-03-09", "stance": "recommend", "quote": "Plaid does support personal use (including personal use access for Chase).", "excerpt": "Plaid does support personal use (including personal use access for Chase). I'd actually be interested in seeing where you saw that it doesn't support Chase for personal access so I can make sure our messaging is clear and consistent on that front! It's true that the current onboarding flow is not designed for personal use cases; we're currently in the middle of revamping it to make it less onerous for non-business us", "context": "works at Plaid", "use_case": "bank transaction API", "switched_from": "", "story": "Ask HN: General API for accessing bank transactions?"}], "threads": [{"url": "https://news.ycombinator.com/item?id=46006016", "title": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker", "mentions": 5}, {"url": "https://news.ycombinator.com/item?id=48150723", "title": "OpenAI is connecting ChatGPT to bank accounts via Plaid", "mentions": 4}, {"url": "https://news.ycombinator.com/item?id=47894690", "title": "item 47894690", "mentions": 3}, {"url": "https://news.ycombinator.com/item?id=47406569", "title": "Show HN: Trackm, a personal finance web app", "mentions": 3}, {"url": "https://news.ycombinator.com/item?id=47316687", "title": "Ask HN: General API for accessing bank transactions?", "mentions": 3}, {"url": "https://news.ycombinator.com/item?id=47897662", "title": "item 47897662", "mentions": 2}], "sentiment_by_month": {"2025-11": {"neutral": 1, "recommend": 2, "warn": 4}, "2025-12": {"warn": 2}, "2026-01": {"warn": 1}, "2026-02": {}, "2026-03": {"warn": 4, "compare": 1}, "2026-04": {"recommend": 1, "warn": 1, "neutral": 2}, "2026-05": {"neutral": 2, "warn": 2, "recommend": 2}, "2026-06": {"warn": 1}, "2026-07": {}, "2026-08": {"warn": 1, "neutral": 1}, "2026-09": {"neutral": 1}, "2026-10": {}}, "quotes": [{"id": 796678529, "item_id": 49792408, "url": "https://news.ycombinator.com/item?id=49792408", "by": "brookst", "date": "2026-09-21", "stance": "neutral", "quote": "", "excerpt": "Well, with EXTREME cautions (read the readme): https://github.com/brookstalley/bankmachine", "context": "", "use_case": "", "switched_from": "", "story": "Amazon blocks Meta\u2019s new Muse AI agent from shopping on amazon.com"}, {"id": 787202435, "item_id": 49200152, "url": "https://news.ycombinator.com/item?id=49200152", "by": "nandhd", "date": "2026-08-06", "stance": "neutral", "quote": "a card through Plaid", "excerpt": "1 point by nandhd 2 hours ago | prev [\u2013] Hi HN. My cofounder and I have been building Coinage on nights and weekends for about a year, and it's live on the App Store today. The problem: money you\u2019ll spend in the next 3\u201312 months doesn\u2019t have a great home. Checking earns almost nothing. High-yield savings does a bit better, and investing in index funds can produce higher returns, but then you\u2019re responsible for decidi", "context": "", "use_case": "", "switched_from": "", "story": "Coinage \u2013 every dollar invested until the second you spend it"}, {"id": 786594593, "item_id": 49162162, "url": "https://news.ycombinator.com/item?id=49162162", "by": "kristofferR", "date": "2026-08-03", "stance": "warn", "quote": "", "excerpt": "I built my own financial dashboard and used Enable Banking Accounts API, it's free to use for such limited usage, and they support most European banks at least. https://enablebanking.com/accounts-api/", "context": "", "use_case": "", "switched_from": "", "story": "From MIT: AI financial advice is surprisingly good"}, {"id": 775126497, "item_id": 48445406, "url": "https://news.ycombinator.com/item?id=48445406", "by": "abdullahkhalids", "date": "2026-06-08", "stance": "warn", "quote": "Products like plaid are a no go from a basic security perspective", "excerpt": "I would like to use finance tracking products like GNUCash. But I don't have the patience to download the csv for half a dozen every month (Products like plaid are a no go from a basic security perspective). I am in Canada, and there seems to be no hope that I will have API access to my bank accounts anytime soon. Also, did I mention how much it annoys me that the transaction description differs between the CSV and t", "context": "in Canada", "use_case": "bank data access", "switched_from": "", "story": "Spanish traders set the standard forGnuCash database design"}, {"id": 771427520, "item_id": 48214220, "url": "https://news.ycombinator.com/item?id=48214220", "by": "eastbayjake", "date": "2026-05-20", "stance": "recommend", "quote": "In fairness they redirect you to your bank to login", "excerpt": "In fairness they redirect you to your bank to login, you authorize the application (which can be revoked at any time), and then they redirect you back with tokenized information. (In fact it's kind of a pain point that when I use Plaid to link my bank for eg reimbursement deposits from my FSA/HSA, it has tokenized the account numbers so I can't actually tell which account is which.) I guess I get for less savvy users", "context": "", "use_case": "Bank account linking", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 770669840, "item_id": 48166865, "url": "https://news.ycombinator.com/item?id=48166865", "by": "claw-el", "date": "2026-05-17", "stance": "warn", "quote": "", "excerpt": "While I understand the risk of sharing sensitive information (e.g. bank login) with a 3rd party. But the current situation is such that your bank currently monopolize your bank information to improve your loan offer, to give you better service at better rate based on their understanding of your bank transaction history. Currently, there is no aligned format for sharing your bank transaction history with other financi", "context": "", "use_case": "", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 770585328, "item_id": 48161583, "url": "https://news.ycombinator.com/item?id=48161583", "by": "hahn-kev", "date": "2026-05-16", "stance": "neutral", "quote": "That's not how it worked last time I used it with Chase Bank.", "excerpt": "That's not how it worked last time I used it with Chase Bank. It used something like Oauth with my bank where I logged in on my bank website and asked what accounts I wanted to share with Plaid.", "context": "", "use_case": "bank account linking", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 770582768, "item_id": 48161423, "url": "https://news.ycombinator.com/item?id=48161423", "by": "arjie", "date": "2026-05-16", "stance": "recommend", "quote": "I prefer that they use Plaid since I know it as a trusted entity.", "excerpt": "That feels like the natural choice. I\u2019m sure they could claim they\u2019re more advanced by building their own integrations but I prefer that they use Plaid since I know it as a trusted entity. I used to use copilot.money which was a nice app. Nowadays though using a GUI is fairly tedious so I\u2019d rather use an assistant but I want mostly personal cash flow and net worth visualization, and transaction review and this isn\u2019t ", "context": "", "use_case": "bank account connections", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 770423600, "item_id": 48151475, "url": "https://news.ycombinator.com/item?id=48151475", "by": "bubblegumcrisis", "date": "2026-05-15", "stance": "warn", "quote": "when they first came out they were pretty evil.  They would go into your accounts and download all activity.", "excerpt": "I'm not sure if Plaid still is- but when they first came out they were pretty evil. They would go into your accounts and download all activity. I spent many hours e-mailing them, trying to get a clear answer of what data they collect- and they never said no to anything. Whenever I've been forced to use Plaid, I use a throw away \"free-checking\" bank account that has $1 in it. I guess birds of a feather flock together.", "context": "", "use_case": "bank account linking", "switched_from": "", "story": "OpenAI is connecting ChatGPT to bank accounts via Plaid"}, {"id": 767723681, "item_id": 47982730, "url": "https://news.ycombinator.com/item?id=47982730", "by": "_cd", "date": "2026-05-01", "stance": "neutral", "quote": "integrations with Plaid, Finch, Lithic.", "excerpt": "Hammock (https://usehammock.co/) | Backend Engineer, Full Stack Engineer | NYC (4 days in-person, 1 flexible) | Full-Time | $150-225k Hammock is building the first HSA/FSA that actually works for modern life \u2014 letting people spend pre-tax dollars on everyday wellness like the gym, recovery, and prevention. Backed by a16z Speedrun, and others. We're a small team in NYC shipping fast and hiring two engineers. Full JDs:", "context": "", "use_case": "", "switched_from": "", "story": "Ask HN: Who is hiring? (May 2026)"}, {"id": 766916960, "item_id": 47932310, "url": "https://news.ycombinator.com/item?id=47932310", "by": "joshka", "date": "2026-04-28", "stance": "neutral", "quote": "but https://dashboard.plaid.com/ has it.", "excerpt": "Awesome. Definitely need to highlight this better somewhere on the main page (probably /pricing and in the /docs pages), but https://dashboard.plaid.com/ has it. More vague plans right now.", "context": "", "use_case": "", "switched_from": "", "story": null}, {"id": 766432368, "item_id": 47902023, "url": "https://news.ycombinator.com/item?id=47902023", "by": "mbm", "date": "2026-04-25", "stance": "recommend", "quote": "Overall, it's been a pretty good experience!", "excerpt": "Hey! Thanks for stopping by. Actually planning to do a full blog post on this topic soon (how to get started with Plaid). It was a bit of a process involving sales calls, contracts, security attestations, etc., but they're planning to make it easier to try out the platform. There is a pay-as-you-go, developer-friendly option, but the support it includes is pretty flaky. The support issue is less \"my code broke\" and m", "context": "went through Plaid's sales and security onboarding", "use_case": "Bank account data API", "switched_from": "", "story": null}, {"id": 766376672, "item_id": 47898542, "url": "https://news.ycombinator.com/item?id=47898542", "by": "Bjartr", "date": "2026-04-24", "stance": "neutral", "quote": "TD now has API integration with plaid so you don't need to give credentials", "excerpt": "And as of 2023 TD now has API integration with plaid so you don't need to give credentials to connect your account anymore https://www.prnewswire.com/news-releases/td-bank-group-and-plaid-enter-into-north-american-data-access-agreement-302015904.html", "context": "", "use_case": "", "switched_from": "", "story": null}, {"id": 766365408, "item_id": 47897838, "url": "https://news.ycombinator.com/item?id=47897838", "by": "cantrevealname", "date": "2026-04-24", "stance": "warn", "quote": "They sued Plaid in 2020.", "excerpt": "> TD Bank Quite the opposite in the case of TD Bank. They sued Plaid in 2020. \u201cThe bank said in the court filings that the Plaid interface dupes consumers into believing they are entering personal information into TD Bank\u2019s trusted platform.\u201d (They settled in 2021 without explaining the terms of settlement.) https://financialpost.com/news/fp-street/td-bank-files-lawsuit-against-plaid-accusing-it-of-trying-to-dupe-con", "context": "", "use_case": "", "switched_from": "", "story": null}, {"id": 766337680, "item_id": 47896105, "url": "https://news.ycombinator.com/item?id=47896105", "by": "mbm", "date": "2026-04-24", "stance": "recommend", "quote": "for now, Plaid or a Plaid-like competitor is the safest way", "excerpt": "Hear you 100%. It felt very uncomfortable for me the first time I used it, as well. The problem is that there sort of isn't a better way right now in the US, and for now, Plaid or a Plaid-like competitor is the safest way. Eventually, it would be awesome if there were clean, open APIs, and standards around this, but for now, it's the best we have. The alternative of course for the DIY-er is some sort of browser autom", "context": "Tried browser automation before Plaid", "use_case": "Bank account data access", "switched_from": "", "story": null}, {"id": 759045921, "item_id": 47440370, "url": "https://news.ycombinator.com/item?id=47440370", "by": "amrawad", "date": "2026-03-19", "stance": "warn", "quote": "", "excerpt": "Check out Lunch Flow, that's the exact reason I built this :) we Aggregate multiple providers behind a simple api for global coverage, and with a pricing friendly to individuals not businesses.", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Trackm, a personal finance web app"}, {"id": 759037617, "item_id": 47439851, "url": "https://news.ycombinator.com/item?id=47439851", "by": "ericwebb", "date": "2026-03-19", "stance": "compare", "quote": "Plaid, which is good but built for companies", "excerpt": "Hey HN, I'm Eric. I wanted programmatic access to my own bank transactions but every time I tried, the friction got the best of me. CSVs from five banks in five formats, or Plaid, which is good but built for companies (business entity, compliance review, sync pipeline you host yourself). I just wanted to query my transactions. So I built Shim.Finance Link your bank accounts, get an API key, query your data. TypeScrip", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: I built an API for my own bank account"}, {"id": 758516593, "item_id": 47407287, "url": "https://news.ycombinator.com/item?id=47407287", "by": "thenews", "date": "2026-03-16", "stance": "warn", "quote": "", "excerpt": "actual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-providers)", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Trackm, a personal finance web app"}, {"id": 758513137, "item_id": 47407071, "url": "https://news.ycombinator.com/item?id=47407071", "by": "deweller", "date": "2026-03-16", "stance": "warn", "quote": "Plaid and the like are too expensive and don't cater to one-off users like me.", "excerpt": "I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me. Has anyone been able to find a personal financial data provider that has a reasonable price?", "context": "", "use_case": "bank account integration", "switched_from": "", "story": "Show HN: Trackm, a personal finance web app"}, {"id": 757091728, "item_id": 47318233, "url": "https://news.ycombinator.com/item?id=47318233", "by": "aykhm", "date": "2026-03-09", "stance": "warn", "quote": "I saw that there is a limited production mode, but it doesn't support institutions such as BofA or chase", "excerpt": "I saw that there is a limited production mode, but it doesn't support institutions such as BofA or chase (https://plaid.com/docs/sandbox/#testing-with-live-data-using-limited-production). I submitted the questionnaire for production access and got access, but it says it will be revoked unless I complete a list of security attestation requirements. Seems like the barrier to entry seems a bit high for personal use. Eve", "context": "", "use_case": "Bank account linking API", "switched_from": "", "story": "Ask HN: General API for accessing bank transactions?"}, {"id": 743679552, "item_id": 46479972, "url": "https://news.ycombinator.com/item?id=46479972", "by": "xtiansimon", "date": "2026-01-03", "stance": "warn", "quote": "I've not been happy when encountering Plaid in the wild", "excerpt": "> \"...no bank is giving out API access to their customers...\" I think Citi bank has an API (https://developer.citi.com/). Not that it's public for account holders, but third-parties can build on that. I'm looking at Plaid.com One thing about Plaid--I've not been happy when encountering Plaid in the wild. For example, when a vendor directs me to use Plaid to validate a new bank account integration. I'd much rather wai", "context": "", "use_case": "", "switched_from": "", "story": "Tally \u2013 A tool to help agents classify your bank transactions"}, {"id": 740844578, "item_id": 46302786, "url": "https://news.ycombinator.com/item?id=46302786", "by": "glenstein", "date": "2025-12-17", "stance": "warn", "quote": "Plaid is unable to successfully log in", "excerpt": "Same. I mean, I'm sure there have been cases where I've switched to Chrome for certain things. I just got a custom viewfinder for my partner for Christmas, is showing a bunch of photos of the cruise that we went on. And they have an online editor for it, but the editor seemed to be glitching when using Firefox. So I moved to Chrome. Later I realized I was just misunderstanding and it actually just worked fine in Fire", "context": "", "use_case": "", "switched_from": "", "story": "Is Mozilla trying hard to kill itself?"}, {"id": 738095552, "item_id": 46130972, "url": "https://news.ycombinator.com/item?id=46130972", "by": "nirvdrum", "date": "2025-12-02", "stance": "warn", "quote": "Plaid still rubs me the wrong way.", "excerpt": "Plaid still rubs me the wrong way. Not selling to 3rd parties is great. But, everyone uses it, so that's still a lot of people getting data I don't necessarily want them to have. If I want to link a bank account to a credit card account in order to pay my bill, there's zero reason for that credit card company to have access to my bank transaction data. I still do the ACH deposit verification method where I can in ord", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 737031521, "item_id": 46064470, "url": "https://news.ycombinator.com/item?id=46064470", "by": "spiked", "date": "2025-11-26", "stance": "warn", "quote": "connectors like Plaid or Finicity don't always cover historical data", "excerpt": "Yeah this seems like something that you'd be able to do anywhere, but some banks don't support this kind of export, or they don't allow you to export beyond a certain date in the past. It started as a side project for a contractor buddy who needed 300 pages and 4 years of transaction data imported into Quickbooks, and his bank actually SENT him the pages in the mail. eyeroll. So, of course scanned documents have no e", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Statements to Sheets \u2013 Convert Bank Statement PDFs to CSV"}, {"id": 736250738, "item_id": 46015671, "url": "https://news.ycombinator.com/item?id=46015671", "by": "mwexler", "date": "2025-11-22", "stance": "warn", "quote": "Plaid and other \"aggregator/scrapers\" are not designed for a single user.", "excerpt": "I am actually quite frustrated with the state of \"Open Banking\" access in the US. No matter which tool I use across open source or just something I hack myself (or a spreadsheet), I still have no easy way to get to my banking and investment data. Plaid and other \"aggregator/scrapers\" are not designed for a single user. Tiller and Lunchapp seem OK, but now I have yet another party involved in the process. Why is there", "context": "", "use_case": "banking data access", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736213024, "item_id": 46013314, "url": "https://news.ycombinator.com/item?id=46013314", "by": "workworkwork71", "date": "2025-11-22", "stance": "recommend", "quote": "We work with partners (Plaid, Snaptrade) who explicitly state that they DO NOT sell user data", "excerpt": "So you didn't read the article and now you're just throwing out statements without validation? Great, if JPMorgan is selling your data then that's their decision and that's beyond the scope of this convo. We work with partners (Plaid, Snaptrade) who explicitly state that they DO NOT sell user data, and we maintain the same principles: https://plaid.com/safety/ Here is the quote if you're too lazy to read this one too", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736204240, "item_id": 46012765, "url": "https://news.ycombinator.com/item?id=46012765", "by": "technofiend", "date": "2025-11-21", "stance": "warn", "quote": "Plaid does in fact sell your data", "excerpt": "So you don't think Plaid sells customer data? And by extension charging for customer data requests by Plaid and other aggregators isn't in fact charging for it? Plaid does in fact sell your data, but they ask for permission first. So does JPMC, for that matter: https://media.chase.com/news/chase-launches-chase-media-solutions", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736158833, "item_id": 46009927, "url": "https://news.ycombinator.com/item?id=46009927", "by": "nirvdrum", "date": "2025-11-21", "stance": "warn", "quote": "The big alternative is Plaid and I don't trust them at all.", "excerpt": "Actual Budget uses SimpleFIN [1] in the US. The integration is pretty good. The big alternative is Plaid and I don't trust them at all. It's a shame we don't have a standard for electronic banking yet. [1] -- https://beta-bridge.simplefin.org/", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 735255040, "item_id": 45953440, "url": "https://news.ycombinator.com/item?id=45953440", "by": "aiisjustanif", "date": "2025-11-17", "stance": "recommend", "quote": "They could work for the Plaid or Stripe which are pretty known for taking proactive security very serious.", "excerpt": "They could work for the Plaid or Stripe which are pretty known for taking proactive security very serious. https://security.plaid.com/ https://docs.stripe.com/security", "context": "", "use_case": "", "switched_from": "", "story": "I have recordings proving Coinbase knew about breach months before disclosure"}, {"id": 733935937, "item_id": 45870996, "url": "https://news.ycombinator.com/item?id=45870996", "by": "hewwwww", "date": "2025-11-09", "stance": "neutral", "quote": "sync accounts via plaid", "excerpt": "I continue to work on My Financ\u00e9, my personal finance tool. I\u2019ve been struggling to find substantive traction, so I\u2019m trying to niche down to make the tool really helpful for people who want to quit their jobs. I built a rudimentary planning and forecasting engine, and am trying to run paid ads to see if the signals resonate with people. I don\u2019t love ads, but maybe trying to understand them will further inform my opi", "context": "", "use_case": "Bank account syncing", "switched_from": "", "story": "Ask HN: What Are You Working On? (Nov 2025)"}]}