Earnr partners with Plaid to get read-only access to your bank account. Plaid is a renowned financial services provider and is regulated by the Financial Conduct Authority (FCA) - The UK financial services regulator.

We’ve chosen to work with them because we believe they are the safest provider with the best infrastructure.

In Financial Services terms, Plaid is an Account Information Services Provider (AISP) covered by Open Banking regulation. They are also an Authorised Payment Institution (Reference number: 804718). As part of this regulation, Earnr is acting as an agent of Plaid to provide AISP services.

Similar to Earnr, Plaid is committed to providing the highest level of security. They've even written a dedicated blog about it here: how Plaid handles security and data.

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