Plaid
Plaid: Full-featured account connectivity with multiple connection methods and financial data types. Ranked #2 of 71 in Bank Connectivity Software by our editors (9.3/10); pricing: Pricing on request; best for full-featured account connectivity.
At a glance
- Editor score9.3 / 10
- PricingPricing on request
- Best forFull-featured account connectivity
- Free planNo
- Supported data typesaccount and routing numbers, balances, identity, transactions, investments, liabilities, income, statements
- Facts checked20 Sep 2026
Where it wins
- Supports Link, OAuth, app-to-app OAuth, and fallback verification flows
- Covers balances, transactions, investments, liabilities, income, and statements
- Offers web, iOS, Android, and API integrations
Where it doesn't
- Pricing requires contacting sales and varies by product, usage, region, and terms
- There is no free plan for ongoing use
- The platform may exceed the needs of apps requiring only basic account data
Our verdict on Plaid
Plaid provides APIs and Plaid Link for businesses and developers building financial products. It connects applications with bank and other financial accounts, then exposes account and routing numbers, balances, transactions, investments, liabilities, income, identity information, and PDF statements. Its platform also supports account verification, payments, fraud prevention, onboarding, and transaction-data enrichment. Web, iOS, Android, and server-side API integrations make it suited to financial products that need account connectivity across multiple application environments.
Connection flexibility is a central strength. Plaid supports credentials-based authentication through Plaid Link, OAuth, app-to-app OAuth, and manual or micro-deposit flows. Data can include real-time balances, categorized transaction history, investment holdings and transactions, loan, mortgage, and credit-card liabilities, identity details, account ownership verification, and bank statements. Refresh frequency is on demand, while statement retrieval is available as PDF. This breadth fits products that need more than basic account and balance access, particularly when different institutions require different authentication paths.
The published plans are Trial, Pay as You Go, Growth, and Custom. Trial offers real production data and up to 10 production Items for eligible new teams in the US and Canada. Pay as You Go adds no upfront commitments and unlimited live API calls at standard pricing. Growth adds discounted product rates, a platform support package, and Single Sign-On for Plaid Dashboard. Custom includes custom solutions, volume discounts, premium support, and integration assistance. Plaid is a strong fit for teams needing broad financial data coverage and flexible connection methods; teams seeking a simple, narrowly focused connector may prefer a smaller platform.
Your product? Our editors can test Plaid in depth and publish a review, labelled as paid · from $149/mo →
Plaid pricing
All 4 Plaid plans and prices →
Plaid fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Bank/institution count | Not verified |
| Supported data types | account and routing numbers, balances, identity, transactions, investments, liabilities, income, statements |
| Connection methods | Plaid Link credentials-based authentication, OAuth, app-to-app OAuth, and manual or micro-deposit flows |
| Refresh frequency | On_demand |
| Statement formats | |
| Multi-entity support | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | SOC 2, ISO 27001 |
| Support | Docs, Tickets, Community |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Pricing | Pricing on request (source) |
| Website | plaid.com |
| Facts checked | 20 Sep 2026 |
Alternatives to Plaid
- Envestnet | YodleeA broad connectivity platform with free sandbox access and extensive financial data coverage.9.4
- Ripple TreasuryA broad enterprise treasury system linking global banks, finance platforms, and payment workflows.9.2
- Mastercard Open Banking PaymentsA focused API suite for consented bank data, ownership checks, and payment initiation.9.1
Plaid vs the competition
- Plaid vs Envestnet | Yodlee
- Plaid vs Ripple Treasury
- Plaid vs Mastercard Open Banking Payments
- Plaid vs Stripe Financial Connections
- Plaid vs TIS Bank Connectivity
- Plaid vs MX
Compare Plaid with any tool side by side →
Also Ranked In
Plaid is ranked in 11 of our directories; the 6 strongest besides Bank Connectivity Software.
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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