Balance

API reference for Balance endpoints and webhooks

Verify real-time account balances.

Endpoints
`/accounts/balance/get`	Fetch real-time account balances

The /accounts/balance/get endpoint returns the real-time balance for each of an Item's accounts. While other endpoints may return a balance object, only /accounts/balance/get forces the available and current balance fields to be refreshed rather than cached. This endpoint can be used for existing Items that were added via any of Plaid’s other products. This endpoint can be used as long as Link has been initialized with any other product, balance itself is not a product that can be used to initialize Link. As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints; if you encounter errors, you may find it necessary to adjust your timeout period when making requests.

accounts/balance/get

Request fields and example

access_token

requiredstring

The access token associated with the Item data is being requested for.

secret

string

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

client_id

string

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

options

object

An optional object to filter /accounts/balance/get results.

account_ids

[string]

A list of account_ids to retrieve for the Item. The default value is null.
Note: An error will be returned if a provided account_id is not associated with the Item.

min_last_updated_datetime

string

Timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ) indicating the oldest acceptable balance when making a request to /accounts/balance/get.
If the balance that is pulled for ins_128026 (Capital One) is older than the given timestamp, an INVALID_REQUEST error with the code of LAST_UPDATED_DATETIME_OUT_OF_RANGE will be returned with the most recent timestamp for the requested account contained in the response.
This field is only used when the institution is ins_128026 (Capital One), in which case a value must be provided or an INVALID_REQUEST error with the code of INVALID_FIELD will be returned. For all other institutions, this field is ignored.

Format: date-time

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/accounts/balance/get
Select Language
Copy
1// Pull real-time balance information for each account associated
2// with the Item
3const request: AccountsGetRequest = {
4  access_token: accessToken,
5};
6try {
7  const response = await plaidClient.accountsBalanceGet(request);
8  const accounts = response.data.accounts;
9} catch (error) {
10  // handle error
11}

accounts/balance/get

Response fields and example

accounts

[object]

An array of financial institution accounts associated with the Item. If /accounts/balance/get was called, each account will include real-time balance information.

account_id

string

Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new account_id will be assigned to the account.
The account_id can also change if the access_token is deleted and the same credentials that were used to generate that access_token are used to generate a new access_token on a later date. In that case, the new account_id will be different from the old account_id.
If an account with a specific account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.
Like all Plaid identifiers, the account_id is case sensitive.

balances

object

A set of fields describing the balance for an account. Balance information may be cached unless the balance object was returned by /accounts/balance/get.

available

nullablenumber

The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.
For depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.
Note that not all institutions calculate the available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by /accounts/balance/get.
If current is null this field is guaranteed not to be null.

Format: double

current

nullablenumber

The total amount of funds in or owed by the account.
For credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.
For loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.
Note that balance information may be cached unless the value was returned by /accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.
When returned by /accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.

Format: double

limit

nullablenumber

For credit-type accounts, this represents the credit limit.
For depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe.
In North America, this field is typically only available for credit-type accounts.

Format: double

iso_currency_code

nullablestring

The ISO-4217 currency code of the balance. Always null if unofficial_currency_code is non-null.

unofficial_currency_code

nullablestring

The unofficial currency code associated with the balance. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
See the currency code schema for a full listing of supported unofficial_currency_codes.

last_updated_datetime

nullablestring

Timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ) indicating the last time that the balance for the given account has been updated
This is currently only provided when the min_last_updated_datetime is passed when calling /accounts/balance/get for ins_128026 (Capital One).

Format: date-time

mask

nullablestring

The last 2-4 alphanumeric characters of an account's official account number. Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.

name

string

The name of the account, either assigned by the user or by the financial institution itself

official_name

nullablestring

The official name of the account as given by the financial institution

type

string

investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.
credit: Credit card
depository: Depository account
loan: Loan account
other: Non-specified account type
See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: investment, credit, depository, loan, brokerage, other

subtype

nullablestring

See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: 401a, 401k, 403B, 457b, 529, brokerage, cash isa, crypto exchange, education savings account, ebt, fixed annuity, gic, health reimbursement arrangement, hsa, isa, ira, lif, life insurance, lira, lrif, lrsp, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, prif, rdsp, resp, rlif, rrif, pension, profit sharing plan, retirement, roth, roth 401k, rrsp, sep ira, simple ira, sipp, stock plan, thrift savings plan, tfsa, trust, ugma, utma, variable annuity, credit card, paypal, cd, checking, savings, money market, prepaid, auto, business, commercial, construction, consumer, home equity, loan, mortgage, overdraft, line of credit, student, cash management, keogh, mutual fund, recurring, rewards, safe deposit, sarsep, payroll, null

verification_status

string

The current verification status of an Auth Item initiated through Automated or Manual micro-deposits. Returned for Auth Items only.
pending_automatic_verification: The Item is pending automatic verification
pending_manual_verification: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the two amounts.
automatically_verified: The Item has successfully been automatically verified
manually_verified: The Item has successfully been manually verified
verification_expired: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link.
verification_failed: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link.

Possible values: automatically_verified, pending_automatic_verification, pending_manual_verification, manually_verified, verification_expired, verification_failed

persistent_account_id

string

A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This is currently an opt-in field and only supported for Chase Items.

item

object

Metadata about the Item.

item_id

string

The Plaid Item ID. The item_id is always unique; linking the same account at the same institution twice will result in two Items with different item_id values. Like all Plaid identifiers, the item_id is case-sensitive.

institution_id

nullablestring

The Plaid Institution ID associated with the Item. Field is null for Items created via Same Day Micro-deposits.

webhook

nullablestring

The URL registered to receive webhooks for the Item.

error

nullableobject

We use standard HTTP response codes for success and failure notifications, and our errors are further classified by error_type. In general, 200 HTTP codes correspond to success, 40X codes are for developer- or user-related failures, and 50X codes are for Plaid-related issues. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.

error_type

string

A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR

error_code

string

The particular error code. Safe for programmatic use.

error_message

string

A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.

display_message

nullablestring

A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.

request_id

string

A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.

causes

array

In the Assets product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will only be provided for the error_type ASSET_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.

status

nullablenumber

The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.

documentation_url

string

The URL of a Plaid documentation page with more information about the error

suggested_action

nullablestring

Suggested steps for resolving the error

available_products

[string]

A list of products available for the Item that have not yet been accessed. The contents of this array will be mutually exclusive with billed_products.

Possible values: assets, auth, balance, identity, investments, liabilities, payment_initiation, identity_verification, transactions, credit_details, income, income_verification, deposit_switch, standing_orders, transfer, employment, recurring_transactions, signal

billed_products

[string]

A list of products that have been billed for the Item. The contents of this array will be mutually exclusive with available_products. Note - billed_products is populated in all environments but only requests in Production are billed. Also note that products that are billed on a pay-per-call basis rather than a pay-per-Item basis, such as balance, will not appear here.

products

[string]

A list of authorized products for the Item.

consented_products

[string]

Beta: A list of products that have gone through consent collection for the Item. Only present for those enabled in the beta.

consent_expiration_time

nullablestring

The RFC 3339 timestamp after which the consent provided by the end user will expire. Upon consent expiration, the item will enter the ITEM_LOGIN_REQUIRED error state. To circumvent the ITEM_LOGIN_REQUIRED error and maintain continuous consent, the end user can reauthenticate via Link’s update mode in advance of the consent expiration time.
Note - This is only relevant for certain OAuth-based institutions. For all other institutions, this field will be null.

Format: date-time

update_type

string

Indicates whether an Item requires user interaction to be updated, which can be the case for Items with some forms of two-factor authentication.
background - Item can be updated in the background
user_present_required - Item requires user interaction to be updated

Possible values: background, user_present_required

request_id

string

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

API Object
Copy
1{
"accounts": [
  {
    "account_id": "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp",
    "balances": {
      "available": 100,
      "current": 110,
      "iso_currency_code": "USD",
      "limit": null,
      "unofficial_currency_code": null
    },
    "mask": "0000",
    "name": "Plaid Checking",
    "official_name": "Plaid Gold Standard 0% Interest Checking",
    "persistent_account_id": "8cfb8beb89b774ee43b090625f0d61d0814322b43bff984eaf60386e",
    "subtype": "checking",
    "type": "depository"
  },
  {
    "account_id": "dVzbVMLjrxTnLjX4G66XUp5GLklm4oiZy88yK",
    "balances": {
      "available": null,
      "current": 410,
      "iso_currency_code": "USD",
      "limit": 2000,
      "unofficial_currency_code": null
    },
    "mask": "3333",
    "name": "Plaid Credit Card",
    "official_name": "Plaid Diamond 12.5% APR Interest Credit Card",
    "subtype": "credit card",
    "type": "credit"
  },
  {
    "account_id": "Pp1Vpkl9w8sajvK6oEEKtr7vZxBnGpf7LxxLE",
    "balances": {
      "available": null,
      "current": 65262,
      "iso_currency_code": "USD",
      "limit": null,
      "unofficial_currency_code": null
    },
    "mask": "7777",
    "name": "Plaid Student Loan",
    "official_name": null,
    "subtype": "student",
    "type": "loan"
  }
],
"item": {
  "available_products": [
    "balance",
    "identity",
    "investments"
  ],
  "billed_products": [
    "assets",
    "auth",
    "liabilities",
    "transactions"
  ],
  "consent_expiration_time": null,
  "error": null,
  "institution_id": "ins_3",
  "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
  "update_type": "background",
  "webhook": "https://www.genericwebhookurl.com/webhook"
},
"request_id": "qk5Bxes3gDfv4F2"
70}

Balance

API reference for Balance endpoints and webhooks

Endpoints

`/accounts/balance/get`

Retrieve real-time balance data

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