Frequently Asked Questions

Everything you need to know about connecting your finances to your AI assistant.

How Wise Penny Works

Managing Your Finances

Getting Started

Connecting Your Bank

Circles

Shared Financial Views

Frequently Asked Questions

How Wise Penny Works

Managing Your Finances

Getting Started

Connecting Your Bank

Circles

Security and Privacy

Pricing

Troubleshooting

How Wise Penny Works

What is Wise Penny?

How is this different from a budgeting app?

What AI assistants does Wise Penny work with?

What kind of questions can I ask my AI assistant?

Can the AI move money or make transactions on my behalf?

Managing Your Finances

Can my AI assistant organize my finances, or just analyze them?

Does any of this change my actual bank data?

Can it categorize transactions automatically going forward?

Can it set up budgets and savings goals?

How do I keep money I move between my own accounts from counting as spending?

Can it keep an eye on my accounts automatically?

Getting Started

How do I sign up?

How long does setup take?

How do I connect my AI assistant?

I was invited to someone’s circle. What do I need to do?

Connecting Your Bank

How do I connect my bank accounts?

How many banks can I connect?

What banks do you support?

Which countries does Wise Penny support?

What data do you pull from my accounts?

How often does my data update?

How do I disconnect a bank from Wise Penny?

What if my bank connection breaks?

Circles

What is a circle?

Do I need to share my accounts with anyone?

Can I choose which accounts to share?

Can I be in more than one circle?

How do I unshare an account from a circle?

How do I leave or delete a circle?

Security and Privacy

Is my financial data safe?

Do you sell my data?

Is my data used to train AI models?

Who can see my financial data?

What happens if I delete my account?

Pricing

How much does Wise Penny cost?

Is there a free trial?

How do I cancel?

Do you offer refunds?

Can I switch between monthly and annual?

Who handles billing, and is my card information safe?

What happens to my data if my subscription ends?

Troubleshooting

My bank isn’t showing up in Plaid.

My transactions seem out of date.

My AI assistant can’t see my data.