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Smart and simple money movement

Bank-to-bank transfers power account funding and payout/disbursement use cases across fintech. But the developer and consumer experience around this critical payment method suffers from a number of shortcomings: bank-to-bank transfers can be slow, tricky to manage, and lacking in visibility once executed. 

Plaid’s Bank Transfers API (beta) changes all that, providing multiple payment types, bank partner flexibility, and early indication of payment success. Bank Transfers (beta) can be paired with risk mitigation tools such as instant account authentication, real-time balance checks, and ownership verification of the source of funds—all with a single integration.

Features of the Bank Transfers API
Authenticate accounts, mitigate overdrafts and account takeover fraud, and move money with a single, easy-to-use integration
Single integration, complete stack

Authenticate accounts, mitigate overdrafts and account takeover fraud, and move money with a single, easy-to-use integration

Payment success visibility
Payment success visibility

Gain early indication of a payment’s success in order to accept ACH payments with greater confidence and accelerate customer activation

Faster funding and payouts
Faster funding and payouts

Accelerate money movement for a better, more risk-controlled bank transfers experience by using a variety of payment methods for payouts, or Same-Day ACH for account funding

Bank partner flexibility
Bank partner flexibility

Quickly build an ACH workflow from the ground up or improve your existing one with the Plaid Bank Transfers API (beta). The product enables you to continue using your existing ACH bank partner or work with ours

Developer and back office friendly

Developers can use Bank Transfers (beta) to build a smart, smooth bank-to-bank transfers experience, all delivered via Plaid Link. The Bank Transfers dashboard provides back offices with the tools to manage transactions and export transaction information.

The Bank Transfers dashboard provides back offices with the tools to manage transactions and export transaction information.

Interested in early access to Bank Transfers?

Bank Transfers (US only) is currently in beta, but you can express interest in receiving a program invitation through this form. Please note that form submission does not guarantee access to the product, which is contingent upon satisfying certain eligibility criteria. A member of the Plaid team will review your information and only reach back out if they determine there is a good potential fit for the beta.

Bank Transfers (US only) is currently in beta, but you can express interest in receiving a program invitation through this form. Please note that form submission does not guarantee access to the product, which is contingent upon satisfying certain eligibility criteria. A member of the Plaid team will review your information and determine if the product is a good fit.