Wise offer various ways to fund your account such as wire transfer, credit card payment, debit card payment, etc., each of which has different fees, but by far the lowest fee is "direct debit" which involves giving Wise your bank card number and password. You have to move funds into your Wise account before you can do a transfer, payment, or currency exchange. Wise (formerly TransferWise) is another example. You have no recourse if they are breached. It’s utterly irresponsible and I have no idea how Plaid hasn’t been shut down.