Two Ways to Connect Your Bank
On iOS, Spendify gives you two options for linking your financial accounts: Plaid and Apple FinanceKit. Both get the job done — here's how they compare.
Plaid
Works on both iOS and Android.
A trusted third-party service that securely connects to thousands of US banks, credit unions, and financial institutions.
You sign in to your bank through Plaid's secure portal — Spendify never sees your bank login credentials.
Transactions sync automatically in the background.
Apple FinanceKit
iOS only — not available on Android.
Apple's built-in framework that syncs financial data directly from your device.
No third party involved — your data stays between your device and Spendify.
Syncs when you open the app.
Availability depends on your bank's support for Apple's FinanceKit API.
Which Should I Choose?
If you're on Android, Plaid is your go-to — it's the only option and works great. If you're on iOS, it's your call:
Prefer no third party? Go with FinanceKit.
Want automatic background syncing? Go with Plaid.
You can even use both for different accounts — totally up to you.