Plaid

★ 4/5 · Free API

Plaid is a financial technology platform that provides APIs for applications to connect to users’ bank accounts and access permissioned financial data.

Pros

Connects 12,000+ financial institutions globally
flexible pricing (one-time, subscription, or per-request charges)
covers Auth, Transactions, Liabilities, Income, and Investments products

Cons

No public pricing list (enterprise quotes only, requires Production access)
minimum commitments on enterprise plans ($1K-10K+/mo)
per-call rates ($0.10-0.60) add up at scale

Cost

Pay-as-you-go $0.10-0.60 per API call (varies by product and volume); enterprise contracts from $1K-10K+/month

Verdict

Best for fintech platforms and consumer apps that need bank account connectivity and transaction data without building financial infrastructure.

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