Plaid Reviews 193

Trash system, invisible transaction limits, bot support that’s completely redundant and unhelpful. No support. No error codes. Did yall use ai to create your bugged systems? ☠️ it’s been like this for over a year- they won’t change. Hoping a new company/competitor takes over soon

Garbage! Absolute guarantee you will waste an hour trying to connect this to pay with whatever you are using. Quit my Wise account because of it.

They blame everything on the customers financial institutions when after troubleshooting, it’s actually a Plaid problem. They don’t offer any way for customers to rectify their issues and push us off to our own financial institutions to fend to ourselves

This is the worst. No matter where I try to use it, it takes forever or quite often doesn't work. And when I finally do get a place to connect, the next time I log into that service, magically (or tragically) the link has been broken and you have to go through all the BS of hoping you can reconnect it again.

It doesn't work. It's a horrible service. It breaks my banking data every single month.

I hope it dies and goes away forever.

I don't even know how this is viable software. It has never worked for me. I input the correct credentials. It sends a notification via the other application. I verify it's me. It takes me back to the login screen. It simply doesn't work. Dogs*** software.

Absolutely unacceptable experience with Wise and Plaid.
I’m overseas using the Wise app, which out of nowhere decided to disconnect my verified bank account. When I tried to reconnect, I was forced to go through Plaid — a third-party service that first asks for my bank login password and then demands SMS verification.

Here’s the problem: like many users abroad, I don’t have access to my original phone network, which means I can’t receive that SMS. The result? I’m completely locked out of my Wise account. To make things worse, my bank received a code request from Plaid but never got the confirmation, so they also blocked the connection. Now I’m locked out from both sides — my bank and Wise.

This is an absurd system failure. Wise uses Plaid, which isn’t even listed as an official client on Plaid’s own help page. No transparency, no accountability, and zero support for users outside their home country.

So yes, now I understand why Visa may cost more — but at least it never locks you out of your own money.

I've repeatedly requested assistance from their customer service representatives to help with connectivity from their software to my bank and no one will return an email or call. Just crickets & ghosting!! Terrible service model!!!

Plaid made our entire business possible. The API is incredibly well-documented, the connections are reliable, and the secure user experience is exactly what we needed to build trust from day one. An absolutely essential tool for any developer in the FinTech space.

Basically collecting your identity , data, bank details etc . Huge red flag when their site states they " cannot guarantee" the safety of this information. Avoid like the plague. Data collecting/ sharing masquerading as a referencing passport . Dangerously collecting information. Name address what you have in your bank children's names & ages. Need a more stringent regulator

I applied for a job posting they had posted of a technical support engineer. I received an email stating that I was not a strong match. However, when I checked job qualifications/skills needed for job, I checked off all the boxes. Thus, I was confused as I felt as I was most certainly a strong match.

I had emailed Plaid twice to reach out for clarification. They never answered my email. I went to their website and tried filling out contact form. Yet, still nothing.

For any customer of Plaid, let this be your warning: they do not answer your emails or calls and have awful communication.

Garbage, forced to connect my account to plaid while using the wise app and not able to transfer funds while abroad. Apps is shotty and works only when it decides to. Super unreliable would avoid using them or any app that works with them. Unless you want to be abroad unable to access your money and bank account.

Plaid is absolutely awful! I am able to connect however the transaction fails for no apparent reason. Why Uphold uses this failing service is beyond me. I am forced to use a different exchange.

Plaid sucks, and I am also not happy with the service that uses Plaid as their service to sync with banks. Plaid almost always doesn't work, and then the service says "hey, the problems you're having are with Plaid, not us. Take it up with Plaid." Rest assured, I won't be using either service. When I try to re-sync my accounts, I get a message that says "Couldn't connect to your institution. If you need to use this app immediately, we recommend trying another institution." Oh that's so helpful! So I should open a new account at a different bank and transfer all my money over there just to use Plaid. Right. I just Googled "Plaid sucks" and a ton of articles came up, including one about a $58 million class action lawsuit against them. Avoid Plaid, and any service that uses Plaid.

Absolute garbage "service." I cannot link my bank because my credentials are incorrect when I know with 100% certainty they are. I seek out customer support and am told by the chat bot that they don't do live agents, so if you have a problem they don't care or have any desire to fix it. I don't know who pays them money, but they need to stop, and at this point, if a company uses them it's a red flag for their own unethical business practices because either they know the service is junk and don't care, or willingly use them just so they can be seen to offer the service when they know it won't work.

Plaid is TERRIBLE. When I went to link an account with another account, it said it would send me a code to a phone number that's not even mine!
I tried for an hour to get in touch with a human being at Plaid after I couldn't get into my account.
It wouldn't send a reset to my email, either.

Seems like a lot of other people have a problem with this so called company. Either Plaid.com or coinbase.com don't seem to want or may be unable to help.

They put in my banking data wrong with my apartment and I got charged $100 for their mistake. They messed up the routing number (not sure how that happened because I logged into my bank for it to connect over) with not one, but TWO of my accounts. Then, when I was trying to figure out what was happening, I tried to speak with customer service, which doesn't exist, and is only an AI chatbot. I finally found an email associated with Plaid to get an auto reply that the inbox is not monitored and to create a help request by logging in. Was not able to log in. The cycle goes on. Incredibly frustrating. I had to manually override it to get it changed which took a long time. I am not inept with technology, either, so I really can't imagine what an awful service this is for those who struggle or are not as well-versed with tech and AI.

I lost my car and my job due to Plaid! All I needed was a $30 loan! Went downhill from there! Could not log in! Made over 100 attempts. Plaid tells you that your information is incorrect! I nearly went insane! It's been a week since I've given up and my Nervous System is shot. Without my car I cannot make a living! My job was tied to my vehicle. I also tried to use it to transfer some funds from a virtual card for emergencies since I'm now Unemployed. It told me over and over that my information is wrong. Now I have $100 emergency money that I have no access to. With only $5 to my name to live on. In 2025! I will be using cash for everything from now on. Ppl have been saying this for decades "DO NOT TRUST BANKS!" Now I understand! They ALL use PLAID now. Take your money out of banks and out of the credit union. Plaid has taken over Crypto as well. USE CASH! YOU WERE WARNED!

Plaid needs to quit asking for people's banking passwords. That is beyond unethical.

And, where is the transparency on the data they collect? Can customers get a complete 100% export of all data you ever collected?