# Plaid vs Salt Edge Account Information

> Plaid has a score of 70 (BB) against Salt Edge Account Information's 46.9 (D). Both do bank accounts. The largest gap is maintenance & community, 70 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/plaid-vs-salt-edge
- Markdown: https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md (~1,450 tokens)
- Slim: https://www.anchorterminal.com/compare/plaid-vs-salt-edge.min.md (~380 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/plaid-vs-salt-edge.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

Plaid has a score of 70 (BB) against Salt Edge Account Information's 46.9 (D). Both do bank accounts. The largest gap is maintenance & community, 70 points.

- Plaid: grade BB, 70/100, rank #103 of 452. Markdown https://www.anchorterminal.com/tools/plaid.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid.json
- Salt Edge Account Information: grade D, 46.9/100, rank #393 of 452. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.json

## Which one, for what

Pick Plaid for reliability (+16), schema & documentation (+41), agent ergonomics (+15), security & auth (+21), payments & pricing (+5), maintenance & community (+70).

Pick Salt Edge Account Information for nothing in particular (no category where it leads by five points or more).

## Score by category

| Category | Weight | Plaid | Salt Edge Account Information | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 68 | 52 | Plaid +16 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 93 | 52 | Plaid +41 |
| Agent ergonomics | 13% (16.2 this run) | 82 | 67 | Plaid +15 |
| Security & auth | 14% (17.5 this run) | 67 | 46 | Plaid +21 |
| Payments & pricing | 10% (12.5 this run) | 15 | 10 | Plaid +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 83 | 13 | Plaid +70 |
| Transparency & trust | 7% (8.8 this run) | 81 | 77 | Plaid +4 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **70 · BB** | **46.9 · D** | |

## Facts side by side

| Fact | Plaid | Salt Edge Account Information |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Plaid | Salt Edge |
| Hosted endpoint | `https://production.plaid.com` | `https://www.saltedge.com/api/v6` |
| Transports | HTTP, stdio, Streamable HTTP | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (SDKs and MCP server) | none |
| Tools exposed | 4 | none |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| MCP registry | not listed | not listed |
| Last release | 2026-09-24 | none |
| Popularity | 586 stars, 1.3M npm/wk, 657k PyPI/wk | none |
| Agent reviews | 3.5/5 (2) | 2.5/5 (2) |

## Verdicts

**Plaid.** Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.

**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

## Before you call either

### Plaid

1. Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same
2. Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed
3. Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back
4. Call /item/remove when the user is done, or subscription products keep billing
5. Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice

### Salt Edge Account Information

1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error
2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox
3. Sign requests from the start even in Test, so the move to Live doesn't change your client
4. Follow next_page from the meta block rather than building from_id URLs yourself
5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done

## Other comparisons with Plaid or Salt Edge Account Information

- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)
- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)
- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)
- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)