Yes. Security is the foundation of the product. Your data is protected with 256-bit AES encryption at rest and TLS 1.3 in transit. Account connections run through Plaid, so we never see or store your bank login. The app is read-only, meaning it can display your transactions but can never move your money. Oakhold does not sell your personal or financial data or train its own AI models on your connected account data.

Oakhold connects to banks, brokerages & exchanges available through Plaid across the US and Canada, including Chase, Bank of America, Wells Fargo, Capital One, Amex, Citi, Ally, and most credit unions. If your institution supports Plaid, it works with Oakhold.

No. The connection to your bank is read-only: Oakhold can read your transactions and balances to generate insights, but it can never transfer, send, or withdraw funds. When Oakhold helps with a savings goal, it’s just organizing goals inside the app; it never touches your real bank balance. Your money stays exactly where it is, in your own accounts.

Oakhold is free to start: spending dashboard, your first savings goal, a 30-day forecast, and 10 Oakhold messages a month. One paid plan, Pro (7,49 €/mo), unlocks everything: unlimited Oakhold messages, unlimited goals and history, a 90-day forecast with a 6-month history chart, subscription tracking, and CSV export (early access, on the web). Yearly billing saves ~33%, and one-time Boosts let you top up messages or export without changing plans.