Pluggy review
A Brazil-focused API for normalized bank data, Open Finance connections, and Pix payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Pluggy provides API infrastructure for connecting software to Brazilian financial institutions. It supports Open Finance and direct bank connections, then normalizes account and financial data into a common JSON format. The platform is designed for companies building financial products, ERP systems, financial-management software, and other applications that need bank-data connectivity, identity and KYC data, or Pix-based payments. Its coverage includes accounts, transactions, credit cards, investments, investment transactions, loans, identity, and payment data.
Pricing is organized around two paid plans. Dados covers bank-account connectivity, Open Finance and direct access, webhooks, data enrichment, identity, investments, KYC, and technical ticket support. Pagamentos adds Pix initiation, one-time charges, Pix Automático, and cash management. The published pricing uses monthly minimums, with a starting figure of 2500, while the product details include a 15-day trial and no free plan. For implementation, Pluggy offers a Connect Widget, REST API, Node.js, Python, .NET, and Java SDKs, plus webhooks for data updates.
The main strength is breadth within Brazilian financial infrastructure: one integration can cover normalized account and transaction data alongside credit-card, investment, loan, identity, and payment workflows. Transaction enrichment and categorization, on-demand refresh, and Pix initiation make the product relevant to applications that combine financial data with payments. The trade-off is focus. Teams building for Brazilian institutions and Pix should find the scope aligned with their needs, while companies seeking a broader international bank-connectivity platform or a free ongoing tier should consider alternatives. Pluggy is the stronger fit when Open Finance coverage, structured financial data, and Pix capabilities matter more than a simple bank-feed connection.
Pluggy pros and cons
- Where it wins
- 130-bank coverage across Open Finance and direct connections
- Normalized access to accounts, cards, loans, investments, and identity
- Pix initiation, webhooks, enrichment, SDKs, and REST API support
- Where it doesn't
- No free plan; the trial lasts 15 days
- Pricing uses monthly minimums rather than detailed per-request rates
- Primarily suited to Brazilian financial connectivity and Pix use cases
Pluggy fact sheet, pricing and score →
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