Money Pro does link to your bank account, but only if you set it up that way
Money Pro is a personal finance app that can read your bank and credit card transactions, but the connection is optional. You choose whether to link your accounts, and you control which accounts Money Pro can see. The app uses Plaid, a third-party service, to make the connection between Money Pro and your financial institutions. Plaid does not store your passwords — it acts as a go-between that lets Money Pro pull transaction data without you handing over login credentials directly.
When you link an account, Money Pro can show your balance, track spending, and categorize transactions automatically. You can also link multiple accounts from different banks. If you decide not to link, you can still use Money Pro by entering transactions manually, though you lose the automatic updates.
Key Takeaways
- Money Pro uses Plaid to connect to your bank, not your actual bank login, so your password stays private.
- Linking is optional — you can use Money Pro without connecting any accounts by typing in transactions yourself.
- You can link multiple accounts from different banks and unlink any account at any time.
- Money Pro stores your transaction data on its servers, so review the app's privacy policy to understand what data it keeps and how long.
- If you stop using Money Pro, you should unlink your accounts from the app's settings to cut off its access.
How the connection works when you link
When you open Money Pro and choose to link a bank account, the app directs you to Plaid's login screen. You enter your bank username and password into Plaid, not into Money Pro itself. Plaid then verifies your identity with your bank and creates a secure token — a digital key that lets Money Pro request your transaction history without ever seeing your password.
After that first login, Money Pro can pull your recent transactions and balance information automatically. Your actual bank password is never stored by Money Pro or Plaid. If your bank requires two-factor authentication (a code sent to your phone or email), Plaid will ask for it during the linking process, but that happens only once.
Once linked, Money Pro updates your transactions regularly — usually within a few hours of when they post at your bank. The frequency depends on your bank and Plaid's schedule, so there may be a short delay between when you spend money and when it shows in the app.
Which accounts you can link and which you cannot
Money Pro can link to most U.S. banks, credit unions, and credit card companies. Plaid supports thousands of institutions, including the major banks (Chase, Bank of America, Wells Fargo, Citibank) and most regional and online banks. Credit card issuers like American Express, Discover, and Capital One also work.
Some smaller banks, credit unions, and international institutions may not be supported by Plaid. If your bank does not appear in Money Pro's list when you try to link, you can search Plaid's directory on their website to confirm whether they support it. If they do not, you will need to enter those transactions manually in Money Pro.
Investment accounts (brokerage accounts, retirement accounts like IRAs or 401(k)s) are generally not supported through Plaid, so you cannot link those to Money Pro. The same applies to some business bank accounts and certain types of savings accounts held at non-traditional financial institutions.
What Money Pro can see and what it cannot
When you link an account, Money Pro can see your transaction history (usually the last 90 days or more, depending on your bank), your current balance, and account type. The app can read the merchant name, amount, date, and category of each transaction. It cannot see your bank login credentials, your full account number (only the last four digits), or any information from accounts you have not linked.
Money Pro also cannot initiate transfers, make payments, or move money on your behalf. It is read-only — it can look at your data but cannot change anything in your actual bank account. If you want to move money or pay bills, you do that directly through your bank's app or website, not through Money Pro.
Money Pro stores the transaction data it pulls from your bank on its own servers. The app's privacy policy governs how long it keeps that data, whether it shares it with third parties, and what happens to it if you delete your Money Pro account. You should read Money Pro's privacy policy before linking to understand their data practices.
How to link your account step by step
Open Money Pro and look for a button or menu option to add or link an account — this is usually labeled "Add Account," "Link Account," or a plus sign. Tap it and select your bank from the list, or search for it by name. Money Pro will direct you to Plaid's login page.
Enter your bank username and password into the Plaid screen. If your bank uses two-factor authentication, complete that step when prompted. Plaid will then confirm the connection and return you to Money Pro. Your account should now appear in the app with your current balance and recent transactions.
If linking fails, check that you are using the correct username and password for your bank account. Some banks use different credentials for their mobile app than for their website, so try both if the first does not work. If you still cannot link, contact Money Pro's support team — they can tell you whether your bank is currently supported or if there is a known issue.
Unlinking your account and what happens after
To unlink an account, open Money Pro's settings, find the linked account, and select the option to remove or unlink it. This cuts off Money Pro's access to that account immediately. Money Pro will no longer be able to pull new transactions, and you will lose the automatic updates for that account.
Depending on Money Pro's data retention policy, the app may keep the historical transaction data you already downloaded even after you unlink. If you want Money Pro to delete all data from that account, check the app's settings or contact support to see if there is a delete option. When you unlink, your bank is not affected — your account remains open and active.
If you delete your Money Pro account entirely, you should unlink all accounts first to ensure Money Pro cannot access them anymore. Even after deletion, Money Pro may retain some data for a period of time according to their privacy policy. You can request permanent deletion of your data by contacting Money Pro directly, though response times vary.
Security considerations when linking
Linking through Plaid is generally considered safe because your password is entered directly into Plaid's system, not into Money Pro. Plaid is a well-established service used by thousands of apps and has security certifications. However, any time you share login credentials with a third party, there is some level of risk.
To reduce that risk, consider using a unique password for your bank account — one you do not use anywhere else. If Money Pro or Plaid is ever breached, a unique password means the attacker cannot use the same credentials to access other accounts. You should also review Money Pro's privacy policy and Plaid's security practices before linking.
If you are uncomfortable linking your account, you can use Money Pro without linking by entering transactions manually. This takes more time but gives you complete control over what data the app can access. You can also link only some of your accounts and leave others unlinked.
Frequently Asked Questions
Can Money Pro see my bank password?
No. You enter your password into Plaid, not into Money Pro. Plaid creates a secure token that lets Money Pro request your data without ever storing or seeing your actual password. Your bank password remains private.
What happens if I unlink my account?
Money Pro stops pulling new transactions from that account immediately. You lose automatic updates, but your bank account is not affected. Depending on Money Pro's policy, historical transactions you already downloaded may remain in the app.
Can Money Pro move money or pay bills for me?
No. Money Pro is read-only — it can see your transactions and balance but cannot initiate transfers, payments, or any changes to your account. All money movement must happen through your bank directly.
What if my bank is not on the list?
Some smaller banks and credit unions are not supported by Plaid. You can search Plaid's directory online to confirm. If your bank is not supported, you can enter transactions manually in Money Pro instead of linking.
Is it safe to link my account to Money Pro?
Linking through Plaid is considered safe because your password goes to Plaid, not to Money Pro. However, any third-party connection carries some risk. Use a unique bank password, review Money Pro's privacy policy, and unlink if you stop using the app.