Plaid Pricing 2026: Plans, Pros & Cons

Overview

Plaid provides APIs that let people connect their financial accounts to apps; its platform supports more than 12,000 financial institutions and more than 9,000 digital financial services^[23]. Auth retrieves account and routing numbers to authenticate checking and savings accounts for ACH payments in the US, account, institution and branch numbers for EFT in Canada, and account number and sort code in the UK^[20]. Plaid states coverage of 99.9% of US banks and credit unions for Auth^[20].

Identity retrieves the account owner’s name, phone, email and address from the bank, and Identity Match compares them with what the user submitted and returns match scores; Plaid states that Identity retrieves data from more than 95% of US institutions and resolves ownership with 99.5% precision^[21]. Rules in the dashboard approve, review or block account links^[21]. Identity Match supports joint accounts, although handling varies by institution^[21].

Plaid’s pricing page lists Pay as You Go, Growth and Custom plans and describes one-time, subscription and per-request charging, but does not publish unit prices; Limited Production allows up to 200 live API calls per product for testing^[22]. Like other open-banking tools it depends on the account holder logging in.

Plaid features

Auth: account and routing numbers (US, Canada, UK)
Identity: owner name, phone, email, address
Identity Match scores
Dashboard rules to approve, review or block
12,000+ institutions
200 free live calls per product for testing

Plaid pricing

Pay as You Go (no commitment), Growth (12-month commitment) and Custom plans; unit prices not published. Limited Production: up to 200 live API calls per product.