AUTH
Instantly verify bank accounts
For faster and easier account funding, pay by bank, loan repayments, and everything in between.
![A multi-step process for setting up a bank account. On the left, there's a photo of a smiling person wearing a grey hoodie and denim jacket, with a badge indicating "Account verified" for "Advanced Checking • 5521". On the right, three steps are illustrated: "Sign in with biometrics" (icon of a person with a checkmark), "Enter your credentials" (login form icon, example username: kgreene53), and "Add your bank account" (bank icon, example account: 9900009606, routing: 011401533). The layout connects these steps to indicate the process flow.](https://images.ctfassets.net/ss5kfr270og3/3PVDKR88biC7J57C6KaBow/bf18697259dc4bbf04d2e966fa484861/Frame_99243806.png?fm=webp&w=1354&q=60)
![A smartphone display with the text "23% higher conversion" above a bar chart with an upward trend. In the background, a green arrow signifies growth and improvement. The overall design emphasizes an increase in conversion rates by 23%.](https://images.ctfassets.net/ss5kfr270og3/3W2pKPWnTaSd9S2LwSCgBE/bc3159cf471c31d15defe18612f53b4d/Peerless_data_coverage_Plaid_2025.png?fm=webp&w=800&q=60)
Maximize conversion
Stand out with a user experience proven to convert 23% higher in head-to-head tests.
![A dark background with a network of diverse people's faces connected by lines and icons representing bank accounts. At the center, the text "99.9% bank account coverage" is prominently displayed, indicating near-universal bank account access. The image conveys inclusivity and wide financial reach.](https://images.ctfassets.net/ss5kfr270og3/HpXLkSFURycXfO7vXsZH3/2875ab406d2896bfa960a6226b6b0299/Actionable_insights_Plaid_2025.png?fm=webp&w=800&q=60)
Never miss a connection
Reach more customers with account coverage for 99.9% of U.S. banks and credit unions.
![Icons on the left side representing a bank, a person, and a document. These icons are connected by lines to a profile on the right. The profile displays a photo of Kari Greene, with her member number (#9333), and a note indicating her account status as "Account Verified" for a checking account ending in 9211. The background is dark, providing contrast to the white profile and icons.](https://images.ctfassets.net/ss5kfr270og3/1ORfBWUj3i2xdT4SOkTTwL/e73476dba6deaa43414a1773d7e68a02/Actionable_insights_Plaid_2025-1.png?fm=webp&w=800&q=60)
Configure it your way
Stay in control by selecting the processor and authorization types that work best for you.
MORE SHORTCUTS, LESS DETOURS
Get account and routing numbers in seconds, not days, with a single API
Connect with every customer
Make it easy for customers to verify account ownership and share bank account information from over 12,000 financial institutions in the U.S., Canada, and Europe.
Link checking and savings accounts in as little as 7 seconds
Set up ACH transfers from any bank or credit union in the U.S.
Use with any ACH processor, including Adyen and Nuvei
Connect with every customer
Make it easy for customers to verify account ownership and share bank account information from over 12,000 financial institutions in the U.S., Canada, and Europe.
Link checking and savings accounts in as little as 7 seconds
Set up ACH transfers from any bank or credit union in the U.S.
Use with any ACH processor, including Adyen and Nuvei
Expand your capabilities
Instant account authentication is just the beginning. From there, you can easily power more use cases and unlock new revenue streams–all on the industry’s most trusted platform.
Pay by bank
Save an average of 40% on processing fees with pay by bank, the internet’s lowest cost way to pay.
Lending
Build a complete picture of a borrower while providing a better user experience, reducing manual review, and fighting fraud.
Digital banking
Level up your digital banking experience with faster account funding, better risk management, and secure data connectivity.
POWERED BY PLAID
Move faster on a single platform
CUSTOMER STORIES
See how today’s leading
companies use Plaid
Robinhood unlocked $100 million in instant funding with Plaid
Chime increased customer engagement 5x in 12 months
Carvana enabled ACH payments for customers in seconds
Varo Bank helped customers re-connect their bank accounts
SoFi helped members unlock real-time financial insights
First Tech Federal Credit Union boosted transfer amounts by 50x
Branch gave customers access to thousands of Plaid-powered apps
Bluevine made lending decisions 4x faster
![A JSON response with HTTP code 200, indicating success. It contains an account with ID "vzeNDwK7KQI...XGK98D," balances of 100 available and 110 current in USD, masked as "9606," named "Plaid Checking," officially "Plaid Gold Checking," and categorized as a checking depository account. The response includes account numbers for ACH ("9900009606" with routing "011401533" and wire routing "021000021"), EFT ("111122223333" with institution "021" and branch "01140"), and BACS ("31926819" with sort code "601613"). Additionally, there is an item object and a request ID "m8MDnv9okwxFNBV."](https://images.ctfassets.net/ss5kfr270og3/3BaOCq1KYHv6UigcsJPscb/da67c053ded6ea1e8278f5cbee240846/Auth_Code_Snippet.png)
Ship next week, not next quarter
Save engineering time and start authenticating accounts in more places with our powerful, easy-to-use APIs.
View API docsU.S.
Retrieve account number and routing number to authenticate a checking or savings account for ACH payments.
Canada
Retrieve account number, institution number, and branch number to authenticate an account for EFT payments.
U.K./E.U.
Retrieve account number and sort code to enable seamless debit withdrawals using Faster Payments.
![background brushstroke](https://images.ctfassets.net/ss5kfr270og3/1S7dVr6rPmtXlYVvoEQk54/4d0ff91917a5678e799ab8507998f092/Desktop_Graphic.png)