Plaid

API

API for linking users' bank accounts to read balances and transactions

Price: Free tier (10 Items), then paid
Access: client_id and secret

About

Open-banking API where users link bank accounts through Plaid Link, so your app can read balances, transactions, identity and account numbers. Sandbox is free; the free Trial plan (US and Canada) allows 10 live Items. EU and UK customers get custom plans only.

What you can do with it

Let users link a bank account with Plaid Link and fetch balances
Pull categorized transaction history to power budgeting or lending apps
Verify account and routing numbers before sending ACH payments

Get started

Create a Plaid Dashboard account and copy your Sandbox keys
Create a public token in Sandbox, or open Link with a link_token
Exchange the public token for an access token

Example

curl -X POST https://sandbox.plaid.com/sandbox/public_token/create \
  -H "Content-Type: application/json" \
  -H "PLAID-CLIENT-ID: $PLAID_CLIENT_ID" \
  -H "PLAID-SECRET: $PLAID_SECRET" \
  -d '{"institution_id": "ins_109508", "initial_products": ["transactions"]}'

Details

Hosting: Hosted service
Available in: 20 countries
Austria, Belgium, Canada, Denmark, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Spain, Sweden, United Kingdom, United States
Official SDKs: JavaScript/TypeScript, Python, Ruby, Java, Go
MCP server: Remote