Why Changing Your Password Breaks the Connection
When you connect a bank account to Spendify, the connection is established through Plaid, a secure service that acts as a bridge between your bank and Spendify. Plaid uses the credentials you provided at the time of linking to maintain the connection.
When you change your bank password, those stored credentials become outdated and Plaid can no longer communicate with your bank. This means your transactions will stop syncing until you reconnect with your new credentials.
How to Reconnect Your Bank
Open Spendify and go to your Accounts screen.
Look for the disconnected bank — it will typically show an error indicator or a prompt to reconnect.
Tap on the disconnected bank account.
Follow the prompts to reconnect. You'll be taken through Plaid's secure flow.
Enter your new bank username and password.
Complete any multi-factor authentication (MFA) steps your bank requires.
What Happens After Reconnecting
Once you've successfully reconnected:
Your transactions will resume syncing automatically.
Any transactions that occurred while the connection was broken will be pulled in during the next sync.
Your existing transaction history and categories are preserved — nothing is lost.
Tips to Keep in Mind
If you use Apple FinanceKit (iOS only) instead of Plaid, password changes at your bank won't affect the connection since FinanceKit syncs data directly from your device.
If you change your bank password frequently, you may want to reconnect in Spendify right away to avoid any gaps in transaction syncing.
If you're having trouble reconnecting after a password change, make sure you can log into your bank's website or app with the new password first.
Need Help?
If you're unable to reconnect after updating your password, reach out to our support team through the app. We'll help you get everything syncing again.