Splurge utilizes multiple industry standard practices for securing the service. All connections are encrypted and signed with the highest-grade 256bit encryption and certificates. This includes traffic between browsers and the Splurge servers and among the Splurge server processes themselves. Fine-grained role-based-access-control (RBAC) is utilized within the database to limit access to customer data. No server processes are directly exposed to the internet. Finally, the only data Splurge stores is transactions and current balance.
Splurge never has access to your bank account login information.

Splurge utilizes Plaid and therefore can connect to any bank that Plaid supports. For the full list of supported countries see the link below. Any country that has the "Transaction" product is supported by Splurge.

Plaid country support

Plaid is an industry standard financial data broker. It is used by many other financial services including Venmo and several other budgeting applications including YNAB* and Simplifi*. When you connect a bank account on Splurge you are actually connecting Plaid to that account and then Plaid gives Splurge updates on your transactions and balances. Splurge never directly receives any account credentials. All communication between Plaid and Splurge utilize the highest level of encryption. Learn more about Plaid here: Plaid Consumer Information

Splurge is a budgeting application, nothing more. We do not sell or otherwise profit from your data or account information.

Artificial Intelligence and Machine Learning (AI/ML) are seemingly everywhere these days. It is important for you to know how Splurge utilizes these tools. The AI engine within Splurge is meant for one reason only: to reduce your effort in categorizing transactions. Critically: the AI trained by your actions on Splurge is only for YOU. It will only be used by you, and is only trained by your own actions and data. It is stored securely in the production database and can only be accessed by your account. We will never sell or otherwise profit from any of the AI/ML models trained using your data.

Splurge accounts are completely free, with no limits on the number envelopes (stacks), transactions, or accounts. The only thing we charge for is connecting your bank accounts. One bank connection allows you to pull in all accounts from that bank!
Example: You have a checking account, savings account, and credit card at Wells Fargo*. With one bank connection you can pull in all three accounts.