# money

> link your bank, audit your subscriptions, and let Folk find (and fight) the charges you shouldn't be paying.

Folk watches your money the way a sharp friend would: it notices the junk fee,
remembers the free trial you forgot, and actually writes the email to get your
money back.

## link your bank

connect your bank once and Folk can see balances and transactions (read-only,
through Plaid - Folk never touches your login).

> link my bank

Folk sends you a secure one-tap page. after that, plain questions just work:

> how much did I spend on eating out this month?

> when is my credit card due, and what's the APR?

> what did I buy at target last week?

## the subscription audit

the crowd favorite. Folk combs your transactions for recurring charges and
lays them all out - including the ones you forgot existed.

> audit my subscriptions

you get the full list with amounts, and Folk flags anything that looks
duplicated, dormant, or quietly price-hiked.

## Folk fights for it

when Folk finds a junk fee, a double charge, a short refund, or interest you
could get waived, it doesn't just tell you - it offers to fight:

- Folk drafts the dispute, waiver request, or price-adjustment email
- **you approve it** before anything is sent
- Folk tracks the outcome and tells you what you got back

> **no bank? still works**
>
  forward Folk a receipt or a screenshot of a statement and it can scan that
  instead. it can also **track a purchase** from a receipt and fight for a
  refund if the price drops later.

## budgets & watch rules

set caps and rules in plain language, and Folk pings you the moment something
crosses the line:

> cap my food delivery at $200 a month

> roast me every time I order doordash

budgets, watch rules, and instant alerts are part of the paid plans - see
[plans](/docs/privacy-plans-and-keys).

## is this safe?

- bank access is **read-only**, through Plaid. Folk can't move your money.
- every outbound fight email is **draft-first** - nothing sends without your ok.
- unlink any time from your dashboard.

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Canonical page: https://www.folk.com/docs/money
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
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