Yes, you can disconnect Plaid at any time
You can remove Plaid's access to your bank account through your bank's settings, through the app or service that uses Plaid, or by changing your bank password. Plaid is a middleman — it does not hold your login credentials or your money. Once you disconnect it, the app or service that was using Plaid to read your account information will no longer be able to see your transactions or balances.
The disconnect is immediate. You do not need Plaid's permission, and you do not need to contact Plaid directly unless you want to confirm the disconnection or report a problem.
Key Takeaways
- You can disconnect Plaid through your bank's connected apps settings, through the service that uses Plaid (like a budgeting app or tax software), or by changing your bank password.
- Disconnecting Plaid stops that service from seeing your account information going forward, but does not undo transactions the service already made on your behalf.
- If you disconnect through your bank, the app or service using Plaid will no longer work — you will need to reconnect or use a different method to link your account.
- Changing your bank password automatically disconnects Plaid from all services, but you will need to reconnect each one individually if you want to keep using them.
Disconnect through your bank's website or app
Most banks let you see which apps and services have access to your account. Log into your bank's website or mobile app and look for a section called "Connected Apps," "Third-Party Access," "App Permissions," or "Authorized Services." The exact name varies by bank.
Find Plaid or the specific app that uses Plaid (such as Mint, YNAB, or TurboTax) in that list and select the option to revoke, disconnect, or remove access. Some banks show this as a toggle you can switch off; others show it as a button labeled "Disconnect" or "Remove." The change takes effect immediately.
If you cannot find this section, call your bank's customer service line. They can walk you through where to look or disconnect Plaid on your behalf.
Disconnect through the app or service using Plaid
If you linked your bank account through a budgeting app, tax software, loan service, or investment platform, you can usually disconnect from within that app's settings. Look for "Connected Accounts," "Linked Banks," "Account Settings," or "Integrations."
Select your bank from the list and choose the option to unlink, disconnect, or remove. Some services ask you to confirm the disconnection. Once you do, that service will no longer be able to see your account information, but Plaid itself may still have a record of the connection — this does not affect you unless you want to reconnect later.
Disconnect by changing your bank password
If you change your bank password, Plaid automatically loses access to your account across all services. This is the most thorough method because it disconnects Plaid everywhere at once, without you having to find and remove each connection individually.
The downside is that any service using Plaid will stop working until you reconnect it. If you use Plaid with multiple apps — a budgeting tool, a tax service, and a loan platform, for example — you will need to go back into each one and re-link your bank account using your new password.
What happens after you disconnect
Once Plaid is disconnected, the service that was using it can no longer see your transactions, balances, or account details. If the service made automatic transfers or payments on your behalf (such as a loan payment or investment deposit), those will stop unless you set up a different method to authorize them.
Disconnecting Plaid does not undo transactions that already happened. If a service transferred money before you disconnected, that money is still gone and you will need to contact the service or your bank to dispute or reverse it.
Your bank account itself is not affected. Disconnecting Plaid does not close your account, freeze your funds, or change your banking relationship.
Reconnecting later if you change your mind
If you disconnect Plaid and later decide you want to use that service again, you can reconnect by going back into the app or service and selecting the option to link your bank account. You will go through Plaid's connection process again, enter your bank login, and grant permission once more.
This is a normal workflow — many people disconnect and reconnect services depending on whether they are actively using them.
Frequently Asked Questions
Does Plaid keep my login information after I disconnect?
Plaid does not store your actual bank password. It uses a secure token system to access your account. When you disconnect, Plaid's access to that token ends. However, Plaid may keep a record that you once connected through them — this does not give them ongoing access to your account.
If I disconnect Plaid, will my bank know?
Your bank will see that the connection is gone when you remove it through their connected apps settings. If you disconnect through the app instead, your bank may not receive an immediate notification, but they will see that Plaid no longer has an active connection the next time they review your security settings.
Can I disconnect Plaid from just one service but keep it connected to others?
Yes. If you disconnect through your bank or through the individual app, only that connection is removed. Other services using Plaid will continue to work. Only changing your bank password disconnects Plaid everywhere at once.
What if I disconnect Plaid but the app still shows it as connected?
This usually means the disconnection did not go through on the app's end. Try disconnecting again through the app's settings, or contact the app's customer support. If the problem persists, disconnect through your bank instead — that method is more reliable.
Does disconnecting Plaid affect my credit score?
No. Disconnecting Plaid is a technical action that does not change your credit history, payment record, or credit report. It only stops that service from accessing your account information.