Personal Financial Management
How top personal finance apps are built
Get clean, actionable financial data—so you can build smarter features that keep users coming back.
The foundation for smarter personal finance
An industry-leading onboarding
Get user accounts linked in seconds with the industry’s most familiar flow.
A complete financial picture
Use data from thousands of financial institutions to give users a panoramic view.
A wealth of data-driven insights
Deliver personalised, actionable insights from organised data that’s ready to use.
12k+ financial institutions
connect with Plaid throughout the UK, Europe, US and Canada.
1M+ new connections
every day with Plaid
23% conversion lift
based on data from leading PFM customers.
Convert more users
with less work
Get users linked and engaged fast with a proven onboarding flow, global coverage, and tools developers love.
Convert up to 23% more customersWelcome users with a familiar flow trusted by millions and optimised for conversion.
Connect accounts reliablySupport 12,000+ financial institutions across the UK, Europe, U.S. and Canada.
Ship fast, scale fasterGo live quickly with developer-friendly APIs, clear docs, and responsive support.
Convert more users
with less work
Get users linked and engaged fast with a proven onboarding flow, global coverage, and tools developers love.
Convert up to 23% more customersWelcome users with a familiar flow trusted by millions and optimised for conversion.
Connect accounts reliablySupport 12,000+ financial institutions across the UK, Europe, U.S. and Canada.
Ship fast, scale fasterGo live quickly with developer-friendly APIs, clear docs, and responsive support.
Craft a full financial picture, fast
Pull clean, structured data from thousands of institutions to show users where they stand across spending, debts, and investments.
Make sense of spendingGet up to 24 months of transaction history, sorted by merchant and category.
Multi-Item LinkAllow end users to connect accounts from multiple institutions in a single Link session.
Craft a full financial picture, fast
Pull clean, structured data from thousands of institutions to show users where they stand across spending, debts, and investments.
Make sense of spendingGet up to 24 months of transaction history, sorted by merchant and category.
Multi-Item LinkAllow end users to connect accounts from multiple institutions in a single Link session.
Turn raw data into
personalised insights
Build features users can act on, powered by clean, organised data that stays up to date.
Make smarter featuresUse AI-enhanced categorisation and enrichment to turn raw transactions into meaningful insights.
Keep insights freshGive up-to-date guidance with automatic transaction sync and refreshes.
Tailor insights to your usersFind recurring charges and counterparties to build custom budgets, alerts, and recommendations.
Turn raw data into
personalised insights
Build features users can act on, powered by clean, organised data that stays up to date.
Make smarter featuresUse AI-enhanced categorisation and enrichment to turn raw transactions into meaningful insights.
Keep insights freshGive up-to-date guidance with automatic transaction sync and refreshes.
Tailor insights to your usersFind recurring charges and counterparties to build custom budgets, alerts, and recommendations.
The toolkit behind the biggest apps in personal finance
Link
Let users quickly, securely connect financial accounts with a flow trusted by millions.
Connect financial accountsTransactions
Get up-to-date transaction history to create a real-time financial picture.
See transaction insightscustomer stories
See who’s building what, with Plaid
Your questions, answered
Reach out if we missed yours.
How does Plaid's personal finance management solution provide fast and accurate data enrichment at scale?
Plaid’s PFM solution delivers fast, accurate enrichment by using AI-enhanced categorisation and real-time updates across millions of transactions at scale.
How does Plaid support budgeting and expense tracking features in PFM apps?
Plaid supports budgeting by delivering categorised, enriched transaction data that helps apps track expenses, monitor trends, and set budgets.
How far back does Plaid’s transaction history go, and how accurate is it?
Plaid’s transaction history goes back up to 24 months, with enriched merchant names and categories for consistent, accurate analysis.
How does Plaid identify recurring transactions like bills, subscriptions, and payroll?
Plaid identifies recurring transactions by automatically spotting and summarizing patterns like subscriptions, bills, and payroll across linked accounts.
How does Plaid help apps deliver real-time spending and cash flow insights?
Plaid helps apps deliver real-time insights by syncing transactions and balances continuously, enabling up-to-date spending and cash flow visibility.
How does Plaid power investment tracking and portfolio insights?
Plaid powers investment tracking by providing holdings, balances, and transactions across brokerage and retirement accounts for portfolio analysis.
How does Plaid support building holistic financial visualisations that span a user’s spending, debt, and investments?
Plaid supports app visualisations by aggregating and categorising transactions, debt, and investments—so you can build a real-time view of your users’ finances.
