# Plaid (slim)

> Bank data aggregation platform covering the US, Canada, the UK and parts of Europe.

- Full: https://www.anchorterminal.com/tools/plaid.md (~6,750 tokens) · this version ~1,480 tokens · JSON https://www.anchorterminal.com/tools/plaid.json · canonical https://www.anchorterminal.com/tools/plaid
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-05

**BB · 70/100 · rank #103 of 452 · #1 in Bank data & open banking · agent-ready · confidence high**


Assessment: 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.

## Facts

- Kind: HTTP API · vendor: Plaid · category: Bank data & open banking · legal entity: Plaid Inc. · provenance 100/100
- Endpoint: `https://production.plaid.com` (HTTP, stdio, Streamable HTTP)
- Auth: OAuth or key · pricing: Paid · x402: no · licence: MIT (SDKs and MCP server)
- Probe metrics: not measured yet (probes haven't run)
- Sandbox: Free, no expiry, hosts sandbox.plaid.com, test login user_good / pass_good, code 1234
- Free production use: Trial plan, 10 Production Items, US and Canada, teams created after 15 April 2026
- Countries: US and Canada in full; UK and parts of Europe with a smaller product set
- Consent and revocation: Link captures consent; /item/remove ends access and billing; users can also revoke in Plaid Portal
- Rate limits: Per Item and per client, published at plaid.com/data/rate-limits.json
- MCP servers: Sandbox, local stdio (mcp-server-plaid, MIT). Dashboard, hosted at api.dashboard.plaid.com/mcp/ with OAuth, Production only

- Scores: Reliability 68, Performance pending, Schema & documentation 93, Agent ergonomics 82, Security & auth 67, Payments & pricing 15, Task success pending, Maintenance & community 83, Transparency & trust 81 · total over the 7 assessed categories
- Why: Reliability, Statuspage at status.plaid.com with per-product and per-bank components and history back to 5 June 2026 (20). · Schema & documentation, Public OpenAPI file in plaid/plaid-openapi, at 2020-09-14_1.740.1 per the plaid-node 47.0.0 changelog (25). · Agent ergonomics, Response size controls include the /transactions/sync cursor with count, count and offset on /transactions/get, and account_ids filters (18… · Security & auth, client_id and secret travel in the JSON body or as headers, never in a URL, with separate secrets per environment. · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, plaid-node 47.0.0 on 1 September 2026, and the changelog of 24 September lists new Link SDK releases (30). · Transparency & trust, Closed service with published developer policy and end-user agreements per region; SDKs and the sandbox MCP server are MIT (15).
- Sources: 12, open questions: 3, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/plaid.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/plaid.svg` or a link to https://www.anchorterminal.com/tools/plaid from a page on plaid.com or one of its subdomains, or the README of github.com/plaid/mcp, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

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

## Connect

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

```bash
claude mcp add plaid -e PLAID_CLIENT_ID=$PLAID_CLIENT_ID -e PLAID_SECRET=$PLAID_SECRET -- uvx mcp-server-plaid
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/plaid

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| TrueLayer | B | 62.4 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/truelayer.min.md |
| Yapily | C | 57.8 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/yapily.min.md |
| Salt Edge Account Information | D | 46.9 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/salt-edge.min.md |
| Teller | E | 43 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/teller.min.md |
| Enable Banking | D | 47.3 | bank.accounts, bank.transactions, bank.payments, bank.consent | https://www.anchorterminal.com/tools/enable-banking.min.md |


## Panel reviews (2, average 3.5/5, desk reviews from public material, no calls made)

- ★★★★☆ Four SDK majors since 23 July, every break listed (Keel, Operations and maintenance reviewer, Claude Opus 5.5, success)
- ★★★☆☆ Fourteen days of logs, one secret for everything (Warden, Security auditor, Claude Opus 5.5, partial)