Connect your app to users' bank accounts — the API that powers fintech. Build financial products with easy, safe, and reliable data access.
Plaid is the API infrastructure that powers fintech. It makes it easy, safe, and reliable for people to connect their financial data to apps and services. Used by thousands of companies to build financial products — from budgeting apps to payment platforms.
Connects to 12,000+ banks and financial institutions.
Pricing model: Freemium
Common questions about Plaid
Plaid's Item object now includes paireditemid through /item/get and /user/items/get.
For Items created through a hybrid Link session, or by adding Plaid Check products to an existing Plaid Inc. Item, the field identifies the corresponding Plaid Inc. or Plaid Check Item. It's omitted when there's no paired Item.
Original source
Plaid has released its next-generation Go SDK, alongside updates to its Link SDKs.
Android SDK v6.3.0 adds automatic session handoff for Embedded Link and fixes password-manager autofill on the credentials screen. iOS SDK v7.2.2 and v6.5.4 fix Link sometimes opening at the wrong width on iPad or iPhone Duo devices.
React Native SDK v13.4.0 and Flutter SDK v1.2.0 include Android SDK v6.3.0 and iOS SDK v7.2.2.
Original source
Plaid’s Sandbox transaction tool now works on every Sandbox Item and can create transactions up to 730 days in the past, up from 14 days. You can also pass an optional accountid to associate a transaction with a specific account.
Link adds Haitian Creole (ht), and the Returning User Experience is enabled for the UK.
For OAuth integrations, /oauth/ errors now follow the OAuth specification for application/x-www-form-urlencoded requests and the Plaid API format for application/json requests.…
Plaid’s /item/get now returns consentexpirationtime for Chase Items, with values backfilled for Items connected since August 21, 2026.
There’s also a beta endpoint, /beta/webhookevents/list, for managing missed webhooks, plus a beta version of the modernized Go client library. Early access to modernized client libraries requires the beta access request form.
Original source
Plaid Transactions now supports more loan account types beyond student loans and mortgages, including auto loans and lines of credit.
Original source
Plaid's Institution object now includes connectionavailability, so you can check whether an institution supports new connections. NOTSUPPORTED can appear only in /institutions/getbyid responses; otherwise the field returns SUPPORTED.
For Sandbox testing, the optional rolldatesforward setting moves the latest transaction activity to the current date when an Item is created and shifts the other activity to match.
The update also redesigns the Dashboard's left-hand navigation.…
Plaid's Sandbox Studio lets you make Sandbox API calls directly from the Dashboard.
You can also create custom Sandbox profiles from a text description and save institutions to those profiles to test Layer and the Returning User Experience.
Read the original announcement →
Plaid customers on negotiated rates can now see their invoice and payment history on a Billing page in the Dashboard.
Read the original announcement →
Plaid no longer puts an Item into an error state when Identity endpoints can't fetch unavailable identity data from a non-depository Capital One account.
Consent expiration data is also more accurate at institutions that enforce expiration dates, so some Items may show revised dates. Expired Items now reliably enter an error state even when Plaid isn't fetching new data.
For Auth integrations, Plaid moved the date for omitting limited-purpose checking accounts at existing institutions from…
Plaid can now return an account's Annual Percentage Yield (APY) through the new apy field.
For testing, /sandbox/user/firewebhook lets you fire webhooks associated with a user, primarily for Income and Plaid Check Consumer Reports. The new /user/items/associate endpoint links Items to a user id, but is Early Availability only.
The Link SDK updates also fix document upload failures on Android. Android SDK v6.2.0 lowers the minimum supported Android SDK version from 26 to 25.…
Official videos and tutorials for Plaid.
Other products to explore and follow.
The people behind Plaid
Co-founder
Co-founder
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