How we handle your data

With Plaid, connecting your financial accounts to an app is simple. Here’s what happens on our end.


To link your financial accounts to an app like Venmo, simply provide the username and password associated with those financial accounts.

Once we’ve verified your ownership of your accounts, we retrieve your account information from your financial institution.

We then securely process and share your information with the app you’re using and establish a secure connection that you control.

The types of data you can share

With your permission, apps like Venmo and Acorns use your financial data to provide services to you. Depending on the app, the types of data you share may include things like:

  • Account and routing numbers
  • Account balances
  • Transactions data
  • Investment holdings data
  • Student loan and credit card information
  • Account holder information

Visit Plaid Portal to view the types of data you’ve shared through Plaid and control access to that data.

Designed with your safety in mind

Your data is powerful—and no one should access it without your permission. For that reason, our security practices are designed to meet or exceed industry standards.
Learn more

Data encryption

The combination of the Advanced Encryption Standard (AES-256) and Transport Layer Security (TLS) help keep your personal information safe.

Strong authentication

Plaid requires multi-factor authentication for added security to help protect your data in our systems.

Cloud infrastructure

Plaid uses secure cloud infrastructure technologies to help enable you to connect quickly and securely.

Robust monitoring

The Plaid API and all related components are continuously monitored by our information security team.

Independent security testing

Security researchers and financial institutions regularly audit Plaid’s API and security controls.

You're in good hands

At Plaid, our business model—and our reputation—depend on keeping your data safe. That means working around the clock to help keep your data secure.


There are more than 8,000 financial apps and services that are powered by Plaid.


Plaid connects to more than 12,000 financial institutions across the US, Canada, UK, and Europe.

1 in 3

1 in 3 US adults has connected a financial account to an app with Plaid—and that number is growing every day.