SproutAIIt cannot move money
Sprout requests read-only access. Transfers, payments, trades, and card changes do not exist in the product, so there is nothing to switch on or hack into.
Security and privacy
Friendly on the outside. Locked down on the inside.
Sprout reads your money so you can understand it. It cannot spend it, move it, or sell it. Here is exactly what happens when you connect a bank, and what never happens.
Your bank password stays at your bank
Plaid runs the bank sign-in inside its own secure flow. Sprout receives an authorized, read-only connection and never sees or stores your banking password.
Your data is never for sale
Sprout is paid for by subscriptions, not ads. We do not sell personal data, and AI providers receive only what is needed to answer the question you asked.
You can leave in one tap
Disconnect a bank whenever you like. Delete your account and Sprout erases your banks, transactions, conversations, and access tokens.
How your bank connects
Sprout connects to eligible US and Canadian institutions through Plaid. When you add a bank, Plaid opens its own sign-in screen. Many banks then hand you to their own website or app to approve the connection, so your credentials are entered with your bank or with Plaid, never with Sprout.
The connection Sprout asks for is limited to reading transactions and balances. You choose which accounts to share, and you can review or revoke the connection from Sprout's Accounts screen at any time.
You pick your bank
Inside the Plaid flow, search for your institution and sign in where it asks you to.
You choose the accounts
Share checking, savings, and cards, or only the ones you want Sprout to read.
Sprout reads, nothing more
Transactions and balances sync to your Sprout account. There is no path for Sprout to send money or change the account.
What Sprout can and cannot do
Sprout is an analysis app. It answers questions about money that has already moved. It deliberately leaves every action with you and your bank.
| Action | Sprout | Why |
|---|---|---|
| Read transactions and balances | Yes | That is how it answers your questions |
| Move money, pay bills, or transfer | Never | The connection is read-only by design |
| Cancel subscriptions or dispute charges | Never | You stay in control of every account action |
| Place trades or make credit decisions | Never | Sprout is not a broker or a lender |
| See your bank password | Never | Plaid and your bank handle sign-in |
| Sell your data or show ads | Never | Sprout is funded by subscriptions |
How AI answers stay inside your account
Every query Sprout runs carries your authenticated user ID as a required filter, so one person's question can never read another person's records. Totals, comparisons, and cash flow figures are computed by Sprout's own server-side tools from your data, and the AI explains the results rather than doing the arithmetic in its head.
Transaction descriptions come from banks and merchants, so Sprout treats them strictly as data. A merchant name that looks like an instruction is still just a merchant name. AI output is checked against a fixed response format before it reaches your screen.
What we share, and with whom
To answer a question, Sprout sends your question and the financial records needed to answer it to its contracted AI inference provider, only to deliver that answer. Plaid provides the bank connection. Our identity provider handles sign-in. Infrastructure providers host and secure the service.
If you connect Sprout to Claude, Claude receives the balances, transactions, and summaries it requests for your account to answer you there. You can disconnect it at any time in Claude's connector settings. The full list lives in our Privacy Policy.
Delete everything, any time
Open More → Delete account in the app to permanently remove your account with its financial records, transactions, conversations, and access tokens. Disconnecting a single bank stops future syncing immediately. Deleting your account does not cancel an Apple subscription, so cancel that in your Apple subscription settings.
We will never ask for your password, bank credentials, full account numbers, or one-time codes. If someone claiming to be Sprout asks, it is not us. Report it to our support team.
Common questions
Security questions, answered.
Is Sprout AI safe to connect to my bank?
Sprout uses a read-only connection through Plaid, never sees your banking password, and cannot move money. You choose which accounts to share and can disconnect or delete everything at any time.
Can Sprout withdraw or transfer money?
No. The connection is read-only, and the product has no payment, transfer, or trading features. Ask Sprout to pay a bill and it will tell you it cannot.
Does Sprout sell my financial data?
No. Sprout is funded by subscriptions and does not sell personal data. Data goes only to the providers needed to run the service, as listed in our Privacy Policy.
Does the AI train on my transactions?
Sprout sends your question and the records needed to answer it to its contracted AI provider only to deliver your answer, not for advertising or cross-service tracking.
What happens to my data if I delete my account?
Deleting your account permanently removes it with its banks, transactions, conversations, and access tokens. Limited records may be kept only where the law requires it.
What should I do if a number looks wrong?
Every answer lists the accounts and date range it used. Compare that with your statement, since pending transactions are the usual cause. If it still does not add up, email us and we will trace it.
Keep reading
Related on Sprout.
- GuideIs Plaid safe? What happens when you connect your bank to an appHow Plaid bank connections work, what apps can see, and how to take access back.
- LegalPrivacy PolicyWhat Sprout collects, why, who receives it, and how to delete it.
- FeatureAsk your money anything. Get answers you can check.Ask anything about your money in plain English and get answers with the accounts and dates behind them.
- Works withAsk Claude about your actual bank accounts.Connect your bank accounts to Claude through Sprout's read-only plugin and ask money questions right in the chat.
- PricingSprout AI pricingUS$99.99 a year or US$9.99 a week, with a 3-day free trial on iPhone if eligible.
- HelpSupportFix a bank connection, manage your subscription, or delete your account.
Read-only. Plain English. Try it free.
Connect your accounts read-only, ask in plain English, and get the number with the receipts. 3 days free on iPhone if eligible.
