Fintech API Key

Plaid REST API

Connect financial accounts and access transaction data

Plaid is a financial services API that enables applications to connect with users' bank accounts and access transaction data, balance information, and identity verification. Developers use Plaid to build fintech applications, personal finance management tools, and payment verification systems by securely accessing banking data across thousands of financial institutions.

Base URL https://production.plaid.com

API Endpoints

Method	Endpoint	Description
POST	`/link/token/create`	Create a Link token to initialize Plaid Link for user authentication
POST	`/item/public_token/exchange`	Exchange a public token for an access token after Link flow completion
POST	`/accounts/get`	Retrieve account information including balances and account details
POST	`/transactions/get`	Retrieve historical transaction data for linked accounts
POST	`/transactions/sync`	Get incremental transaction updates using the Transactions Sync endpoint
POST	`/auth/get`	Retrieve account and routing numbers for ACH transfers and direct deposits
POST	`/identity/get`	Retrieve identity information including names, emails, phone numbers, and addresses
POST	`/income/verification/create`	Create an income verification session for loan underwriting
POST	`/processor/token/create`	Create a processor token for use with payment processors like Stripe
POST	`/investments/holdings/get`	Retrieve investment holdings data including securities and quantities
POST	`/liabilities/get`	Retrieve liability information including credit cards, mortgages, and student loans
POST	`/item/webhook/update`	Update the webhook URL associated with an Item
POST	`/item/remove`	Remove an Item and revoke access to all associated accounts
POST	`/sandbox/item/reset_login`	Force an Item into an error state in the Sandbox environment for testing
POST	`/institutions/get_by_id`	Retrieve information about a specific financial institution

Code Examples

curl -X POST https://production.plaid.com/accounts/get \
  -H 'Content-Type: application/json' \
  -d '{
    "client_id": "your_client_id",
    "secret": "your_secret",
    "access_token": "access-production-xxxxx"
  }'

const response = await fetch('https://production.plaid.com/accounts/get', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    client_id: 'your_client_id',
    secret: 'your_secret',
    access_token: 'access-production-xxxxx'
  })
});

const data = await response.json();
console.log(data.accounts);

import requests

url = 'https://production.plaid.com/accounts/get'
headers = {'Content-Type': 'application/json'}
payload = {
    'client_id': 'your_client_id',
    'secret': 'your_secret',
    'access_token': 'access-production-xxxxx'
}

response = requests.post(url, json=payload, headers=headers)
accounts = response.json()['accounts']
print(accounts)

Use Plaid from Claude / Cursor / ChatGPT

Get a hosted MCP endpoint for Plaid. Paste your Plaid API key, copy back one URL, drop it into Claude Desktop, Cursor, or any AI client that supports remote MCP. Your AI calls Plaid directly with your credentials — no local install, works on mobile.

get_account_balances Retrieve current account balances for all linked bank accounts

fetch_recent_transactions Get recent transaction history with automatic categorization and merchant data

verify_account_ownership Verify account ownership and retrieve identity information for KYC compliance

create_link_session Generate a Plaid Link token to initiate bank account connection flow

analyze_spending_patterns Analyze transaction data to identify spending patterns and categorize expenses

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Paste your Plaid key → get an MCP URL → paste into Claude/Cursor. Hosted by IOX, encrypted at rest.

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Plaid REST API

API Endpoints

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Code Examples

Use Plaid from Claude / Cursor / ChatGPT

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