Connecting your bank account to any app is a big decision. You’re giving access to your financial information, and you want to be absolutely sure your money and data are secure.
with Brigit, you might be wondering: Is this actually safe? Will they steal my money? Can they see my password? What protections are in place?
Below, I’ll explain whether Brigit is safe to link your bank account.
Is Brigit safe for your bank account?
Yes, Brigit is safe to link your bank account.
Brigit uses bank-level security encryption, read-only access to your account, and a third-party secure connection service called Plaid.
Your bank login credentials are never stored by Brigit, and they cannot move money without your explicit authorization (except for scheduled repayments you agree to).
Thousands of people use Brigit without security issues.
That said, let me break down exactly how Brigit protects your information so you can make an informed decision.
How Brigit protects your bank account
Brigit uses Plaid for bank connections
When you connect your bank account to Brigit, you’re not actually giving Brigit your bank username and password.
Instead, Brigit uses a service called Plaid, which is a trusted third-party company that specializes in secure bank connections.
Plaid is used by thousands of financial apps including Venmo, Robinhood, and many others.
Here’s how it works:
You enter your bank credentials into Plaid’s secure interface (not Brigit’s). Plaid verifies your identity with your bank. Plaid creates a secure connection between Brigit and your bank. Brigit receives transaction data but never sees your actual bank password.
This means Brigit never has access to your bank login credentials.
Read-only access
Brigit has read-only access to your bank account.
This means they can see your transactions, balance, and deposit history, but they cannot move money out of your account without your permission.
The only exception is when you authorize Brigit to withdraw money for advance repayments—and even then, it only happens on the dates you agreed to.
Brigit can’t randomly withdraw money, transfer funds to other accounts, or make purchases.
They can only read your account information to analyze your financial patterns.
Bank-level encryption
Brigit uses 256-bit encryption, which is the same security standard banks use.
This means your data is scrambled during transmission so that even if someone intercepted it, they couldn’t read it.
Your financial information is protected both when it’s being sent to Brigit’s servers and when it’s stored.
Two-factor authentication
Brigit supports two-factor authentication for your Brigit account.
This adds an extra layer of security beyond just your password, making it much harder for someone to access your account even if they somehow got your password.
What Brigit can and cannot do with your account
Let me be very clear about Brigit’s access:
What Brigit CAN do:
View your transaction history Read your account balance See your deposit patterns Analyze your spending habits Withdraw money on your scheduled repayment dates (that you agreed to)
What Brigit CANNOT do:
Access your bank account password Move money without your authorization Make purchases or payments Make transfers to other accounts Change your bank account settings Access accounts you didn’t link Delete or modify your transaction history
Brigit’s access is strictly limited to reading information and collecting repayments you authorized.
Is your personal information safe?
Beyond bank account security, Brigit also protects your personal information.
Privacy policy
Brigit has a clear privacy policy that explains what data they collect and how they use it.
They collect information necessary to provide their service—like your name, contact info, bank account data, and transaction history.
They don’t sell your personal information to third parties for marketing purposes.
Data storage
Your data is stored on secure servers with multiple layers of protection.
Brigit complies with industry standards for data security and regularly updates their systems to address new threats.
Real-world safety record
Brigit has been operating since 2017 without any major security breaches or data leaks.
Thousands of users connect their bank accounts to Brigit daily without issues.
While no system is 100% immune to security threats, Brigit has a solid track record of protecting user data.
What users worry about (and the reality)
Worry: “What if Brigit gets hacked?”
Reality: Brigit uses multiple layers of security, and your data is encrypted. Even if someone somehow accessed Brigit’s servers, your bank password isn’t stored there (it’s handled by Plaid), and your financial data is encrypted.
Worry: “Can Brigit drain my bank account?”
Reality: No. Brigit has read-only access and can only withdraw funds you explicitly authorized for advance repayments.
Worry: “Will linking my account hurt my credit score?”
Reality: No. Brigit doesn’t check your credit or report to credit bureaus (unless you use their Credit Builder feature, which is separate and optional).
Worry: “What if I want to disconnect?”
Reality: You can disconnect your bank account from Brigit anytime through the app settings. Once disconnected, Brigit loses access to your account immediately.
How to protect yourself
While Brigit is safe, you should still take basic security precautions:
Use a strong password for your Brigit account
Don’t use easy-to-guess passwords like “password123” or your birthday.
Enable two-factor authentication
This adds extra security to your Brigit account.
Monitor your bank account regularly
Check your transactions frequently to spot any unusual activity quickly.
Only use the official Brigit app
Download from the official App Store or Google Play. Avoid third-party app stores or websites claiming to offer Brigit.
Don’t share your Brigit login
Keep your Brigit username and password private.
Use a secure internet connection
Avoid using public Wi-Fi when accessing financial apps.
What to do if you notice suspicious activity
If you see any unauthorized transactions or suspicious activity:
Change your Brigit password immediately. Contact Brigit support through the app. Contact your bank to report the suspicious activity. Review all your recent transactions. Consider disconnecting and reconnecting your bank account.
Comparing Brigit’s security to other apps
Brigit’s security measures are industry-standard and comparable to other financial apps:
Dave, Earnin, MoneyLion: All use Plaid for bank connections and similar encryption standards.
Venmo, Cash App: Use similar security protocols—if you’re comfortable with these apps, Brigit has equivalent security.
Traditional banking apps: Use the same 256-bit encryption and security standards as Brigit.
Final thoughts
Yes, Brigit is safe to link your bank account.
They use industry-standard security measures, including Plaid for connections, bank-level encryption, read-only access, and secure data storage.
Your bank password is never stored by Brigit, and they can’t move money without your authorization.
Thousands of people use Brigit safely every day without security issues.
That said, you should always practice good security habits—use strong passwords, enable two-factor authentication, and monitor your accounts regularly.