Reliability
Bank feeds break. The dishonest part is pretending they do not.
Broken connections are the second most common thing people write about when they review these apps, and no vendor choice makes them go away: the aggregator with the deepest direct bank relationships logged eighteen incidents in the ninety days to 8 September 2026, five of them major. So being honest about it is a feature here, with tests, rather than a chore.
Second most common: 387 of 3,987 customer reviews read across Trustpilot and the Apple review feed on 20 September 2026, behind billing and cancellation at 391. An earlier version of this line said sync failures were “a fifth of the one-star reviews”, which was a number we could not source, sitting beside one we could.
Incident count from status.plaid.com, read on 8 September 2026.
Four commitments
What honest looks like on the page
- Every figure says when its feed is behind
- Net worth, this month, the tax estimate, the budget: each carries a sentence like “2 of 7 accounts in this figure have not reported in 11 days. Figures may be short by what has happened since.” Never a green dot over a stale number.
- Told once when a feed dies
- One email, in the same words the screen uses, with the consequence and an ask only where one applies. Once per failure, not once per morning; a feed dead for a month has produced one email.
- A provider outage is not your problem to fix
- Contha reads the aggregator’s public status feed. When the failure is theirs the page says so and asks nothing of you, because "reconnect your bank" during an outage is how people lose an afternoon.
- Not a bank
- Contha reads the accounts and holds none of the money. Nothing here can freeze, hold, close or move an account. If a feed stops, the account is untouched and the page says so.
In its own words
The sentences, not a status icon
A dead feed is diagnosed into one of five states and written out as a headline, a consequence, and whether there is anything for you to do. The same sentence appears under every figure it touches, in the monthly email, and on the page your accountant opens.
- 2 of 7 accounts in this figure have not reported in 11 days. Figures may be short by what has happened since.
- Halyard needs you to sign in again. No transactions have arrived for 4 days. Anything since then is missing from every figure on this page.
- Northbank is down at the provider. Not something you can fix, and not worth reconnecting. It resumes on its own; figures may be short until it does.
- Meridian Business has not reported in 6 days. A feed usually lands daily. Figures below may be short by whatever has happened since.
2 of 7 accounts in this figure have not reported in 11 days. Figures may be short by what has happened since.
Nothing else needs you right now.
What we do not promise
Uptime numbers we have not earned
There is no 99.9% on this page because there is no history yet to put behind one. What there is: a model of failure that was built before there was a history of failures, a daily sync that iterates every reader with their own credentials, a check that runs every database migration on a scratch database before it ships, and the habit of writing the limits down. The limits are on the disclosures page, dated.