Better data, more results

Your customers’ financial lives are changing and becoming more fragmented

To keep up, you need to offer hyper-personalized experiences and the ability to manage cash flow, investments, and loans–all in one place.

Plaid provides expansive institution coverage and reliable access to consumer-permissioned data so you can understand your customers’ financial health, help them reach their goals faster, and generate more revenue for your business.

Features
Enriched data with expansive institution and account type coverage

Access standardized data from a broad network that includes banks, credit card issuers, brokerages, crypto exchanges, retirement plan providers, and loan servicers.

Actionable insights to drive better engagement

Using the latest in machine learning technology, Plaid surfaces actionable patterns including subscriptions, bill payments, and direct deposits.

Daily updates to keep up with consumers

Retrieve up to 24 months of transaction history and ongoing updates, as consumers transact with their depository, credit, investment, and loan accounts.

TRANSACTION INSIGHTS

Power differentiated product offerings

Transaction data is the foundation for a consumer’s personal finances. With Plaid, you can retrieve insights including merchant name, category, location, and recurring expenses.

These insights can support robust budgeting tools, overdraft protection, subscription management assistance, bill pay reminders, and more.

INVESTMENT INSIGHTS

Build a holistic view of a consumer's investments

With the increasing popularity of retail investing and crypto, it’s more essential than ever to help consumers track their investments as part of their total net worth.

Our insights for traditional asset classes and cryptocurrencies can help you enable net worth assessment, financial planning tools, risk optimization, and more.

LOAN INSIGHTS

Improve financial health by reducing debt

With consumer debt at an all-time high, more people are turning to financial services to help them manage their loans.

Access detailed loan data and insights so that you can generate more leads, verify loans, monitor payments, and refinance loans.

DATA ENRICHMENT

Transform your transaction data into consumer insights

Many of you are becoming an all-in-one solution for a consumer’s financial needs by offering branded credit and debit cards. Transaction data from these accounts is often messy and incomplete, requiring significant resources to clean and enhance.

We can help you make sense of the transaction data from all of your sources. When you securely send us your data, we’ll return key insights to help you build intuitive banking experiences and reward programs that drive meaningful consumer interactions.

Why Plaid
Fast and seamless account onboarding

1 in 4 US consumers with a bank account have used Plaid to connect to a fintech app.


Industry-leading categorization and data enrichment

We're trusted by the biggest names in fintech to aggregate and enrich the financial data that powers their personal finance services.


High API uptime and operating efficiency

Our APIs have high rates of successful requests and low latency, enabling you to quickly access the latest data to provide timely financial assistance.


Plaid was the best choice for us because of its data quality and ease of integration. Plaid has done a great job of normalizing its service across all financial institutions, so we don’t have to worry about where our users do their banking.
Zuben Matthews, Co-founder and CEO, BrigitSee full customer story
Customers using this solution

Build the future of personal finance

Vola used transaction data from Plaid to save users more than $18M in overdraft fees and improve their credit scores by 53 points on average.

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Atom Finance users who link their investment accounts with Plaid log into the app 2X often as those who build their portfolios manually.

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Savi users who link their loan accounts with Plaid go on to become paying customers 25% more often than those who manually enter it.

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APIS FOR ALL YOUR DATA NEEDS
Transactions

Access up to 24 months of enhanced transaction history. Retrieve daily updates for credit and depository accounts.

Investments

Access investment account balances, holdings, and transactions. Coverage for the full breadth of account types.

Beta
Enrich

Bring clarity to the transaction data from your credit and debit card accounts with enhanced merchant, category, and location information.

Liabilities

Access loan data including account balances, terms, and payment timing. Coverage for student loans, mortgages, and credit cards.

Learn how data insights can help your business

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This form goes to our sales team. If you have questions about connecting your financial accounts to a Plaid-powered app, visit our consumer help center for more information.