Updated May 2026
Budget app
with real bank sync.
12,000+ banks supported via Plaid. Transactions import automatically — no CSV exports, no manual entry. Free forever.
The same bank-sync layer your other apps already use.
Plaid is the bank-connectivity service powering Venmo, Robinhood, Chime, Cash App, SoFi, Affirm, and hundreds of other fintech products. It's the standard. If you've connected a bank to anything in the last five years, you've probably used Plaid.
When you link a bank to LazeeFish, the same Plaid widget you've seen elsewhere appears. You authenticate with your bank — not with us. The bank issues a read-only token to Plaid. Plaid forwards your transactions (with permission) to LazeeFish. Your bank password never touches LazeeFish servers.
This matters because the historical alternative — apps that store your bank credentials and screen-scrape your transactions — is both insecure and against most banks' terms of service. Plaid's OAuth-style tokens are how the modern fintech ecosystem stays plumbed in.
A budget without sync
is a homework assignment.
The reason most people quit budgeting is the friction of manually logging $4 coffees. Plaid sync removes that friction entirely — every transaction shows up automatically, categorized into the right envelope.
Apps like Goodbudget and Tiller require you to download a CSV each week and import it. That's a chore that erodes habit. Plaid pushes transactions in near-real-time so your budget is always current.
Manual budgets drift. You forget a $40 charge here, miss a recurring fee there, and after two months your budget no longer matches reality. Sync keeps the picture honest without you doing the bookkeeping.
Most US banks, credit unions, and brokerages.
Plaid supports over 12,000 US institutions and a growing list in Canada, the UK, and continental Europe. The major ones include:
If your bank isn't supported by Plaid, LazeeFish will let you know during signup. You can still use the app with manual entry — but most users find a Plaid-supported account is the path of least resistance.
What we never see.
- Your bank password. Authentication happens inside Plaid's widget, with your bank. Never visible to LazeeFish.
- Your full account number. Plaid issues a token; we don't store the underlying account credentials.
- Anything beyond what you connected. Plaid only forwards data for the specific accounts you authorized.
- Sold or shared with third parties. Your transaction data lives in your account. We don't sell it. We don't share it. We don't run ads against it.
Read the full privacy policy for details on what we do retain (transactions you've imported) and how to delete your account at any time.
Plaid + LazeeFish questions.
Does LazeeFish use Plaid?
Yes. Bank connectivity is provided by Plaid — the same service used by Venmo, Robinhood, Chime, and most modern fintech apps. You authenticate directly with your bank inside Plaid's secure widget; your credentials never touch LazeeFish servers.
Which banks does Plaid support?
Over 12,000 US institutions plus banks in Canada, the UK, and continental Europe. Major banks (Chase, BoA, Wells Fargo, Citi, Capital One), credit unions, online banks, brokerages, and most fintechs are all covered.
Is Plaid bank sync free with LazeeFish?
Yes. There's no fee for bank sync, no premium tier, no per-account charges. LazeeFish is free forever and Plaid integration is included.
Does LazeeFish store my bank password?
No. Your bank login goes through Plaid's interface — LazeeFish never sees it. We store only the read-only access token Plaid issues, plus the transactions Plaid forwards on your behalf.
Can I connect multiple accounts via Plaid?
Yes. Connect as many accounts as you have — checking, savings, credit cards, brokerage. All transactions flow into the same envelope budget. Couples can connect both individuals' accounts plus joint accounts.
How often do transactions sync?
Plaid pushes transactions to LazeeFish in near-real-time for most institutions. Some banks update once or twice daily. Pending transactions appear immediately and get reconciled when they post.
Does Plaid sync help with recurring bills?
Yes. LazeeFish includes recurring bill tracking that integrates directly with Plaid. When you set up a bill template (e.g., "Electric Bill, ~$94, monthly"), LazeeFish monitors incoming Plaid transactions and auto-fulfills the bill occurrence when a match arrives — no manual check-in. LazeeFish can also scan 8 months of Plaid history to suggest templates for recurring patterns it detects automatically.
Can Plaid detect my subscriptions automatically?
Yes. Once your bank is connected, LazeeFish analyzes your Plaid transaction history for recurring patterns — same payee, regular interval, consistent amount. Subscriptions, gym memberships, streaming services, insurance — anything that charges at a regular cadence gets surfaced in the Subscription Tracker. You see total monthly and annual cost at a glance, and each detected subscription can be tracked or dismissed with one click.
Does Plaid help with debt and mortgage payments?
Yes. When a mortgage or car payment posts from your bank, LazeeFish uses your current balance and APR to split it into principal and interest automatically — no manual math. The principal portion reduces your tracked debt balance; the interest portion is recorded as a cost. Escrow amounts (property tax, insurance) are split out as a third sub-category. This is powered by the Debt Tracker feature, which gives each debt its own envelope and shows live snowball/avalanche payoff projections alongside your real Plaid-synced balances.
Can I see when my accounts last synced?
Yes. The Bank Connections settings page (Setup → Bank Connections) shows the last sync date, the number of transactions from the most recent run, and any error message if a sync failed. This makes it easy to spot a broken connection before it affects your budget data.
Connect in two minutes.
Free forever. Plaid sync included. No credit card.