Plaid
Plaid Auth API

Plaid's Auth is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect to end users' bank and financial accounts across 12,000+ US and international institutions and consume auth data or actions. Access uses client_id + secret credentials with a Plaid-Version header, an access_token per linked Item, and a real published OpenAPI definition harvested from Plaid's plaid-openapi repository.
Documentation GitHub OpenAPI
OpenAPI Specification

openapi: 3.0.0
servers:
  - description: Production
    url: https://production.plaid.com
  - description: Development
    url: https://development.plaid.com
  - description: Sandbox
    url: https://sandbox.plaid.com
info:
  title: 'Plaid auth/'
  version: 2020-09-14_1.517.0
  description: Needs description.
  contact:
    name: Plaid Developer Team
    url: https://plaid.com
  termsOfService: https://plaid.com/legal/
tags:
  - name: Plaid
security:
  - clientId: []
    secret: []
    plaidVersion: []
paths:
  /auth/get:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Retrieve auth data
      externalDocs:
        url: /api/products/auth/#authget
      operationId: authGet
      description: >-
        The `/auth/get` endpoint returns the bank account and bank
        identification numbers (such as routing numbers, for US accounts)
        associated with an Item's checking and savings accounts, along with
        high-level account data and balances when available.


        Note: This request may take some time to complete if `auth` was not
        specified as an initial product when creating the Item. This is because
        Plaid must communicate directly with the institution to retrieve the
        data.


        Versioning note: In API version 2017-03-08, the schema of the `numbers`
        object returned by this endpoint is substantially different. For
        details, see [Plaid API
        versioning](https://plaid.com/docs/api/versioning/#version-2018-05-22).
      responses:
        '200':
          description: success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthGetResponse'
              examples:
                example-1:
                  value:
                    accounts:
                      - account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                        balances:
                          available: 100
                          current: 110
                          limit:
                          iso_currency_code: USD
                          unofficial_currency_code:
                        mask: '9606'
                        name: Plaid Checking
                        official_name: Plaid Gold Checking
                        subtype: checking
                        type: depository
                    numbers:
                      ach:
                        - account: '9900009606'
                          account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                          routing: '011401533'
                          wire_routing: '021000021'
                      eft:
                        - account: '111122223333'
                          account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                          institution: '021'
                          branch: '01140'
                      international:
                        - account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                          bic: NWBKGB21
                          iban: GB29NWBK60161331926819
                      bacs:
                        - account: '31926819'
                          account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                          sort_code: '601613'
                    item:
                      available_products:
                        - balance
                        - identity
                        - payment_initiation
                        - transactions
                      billed_products:
                        - assets
                        - auth
                      consent_expiration_time:
                      error:
                      institution_id: ins_117650
                      item_id: DWVAAPWq4RHGlEaNyGKRTAnPLaEmo8Cvq7na6
                      update_type: background
                      webhook: https://www.genericwebhookurl.com/webhook
                    request_id: m8MDnv9okwxFNBV
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PlaidError'
          description: Default error
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AuthGetRequest'
            examples: {}
        description: ''
  /processor/auth/get:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Retrieve Auth data
      externalDocs:
        url: /api/processor-partners/#processorauthget
      operationId: processorAuthGet
      responses:
        '200':
          description: success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProcessorAuthGetResponse'
              examples:
                example-1:
                  value:
                    account:
                      account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                      balances:
                        available: 100
                        current: 110
                        iso_currency_code: USD
                        limit:
                        unofficial_currency_code:
                      mask: '0000'
                      name: Plaid Checking
                      official_name: Plaid Gold Checking
                      subtype: checking
                      type: depository
                    numbers:
                      ach:
                        account: '9900009606'
                        account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                        routing: '011401533'
                        wire_routing: '021000021'
                      eft:
                        account: '111122223333'
                        account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                        institution: '021'
                        branch: '01140'
                      international:
                        account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                        bic: NWBKGB21
                        iban: GB29NWBK60161331926819
                      bacs:
                        account: '31926819'
                        account_id: vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D
                        sort_code: '601613'
                    request_id: 1zlMf
      description: >
        The `/processor/auth/get` endpoint returns the bank account and bank
        identification number (such as the routing number, for US accounts), for
        a checking or savings account that''s associated with a given
        `processor_token`. The endpoint also returns high-level account data and
        balances when available.


        Versioning note: API versions 2019-05-29 and earlier use a different
        schema for the `numbers` object returned by this endpoint. For details,
        see [Plaid API
        versioning](https://plaid.com/docs/api/versioning/#version-2020-09-14).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ProcessorAuthGetRequest'
  /investments/auth/get:
    x-hidden-from-docs: true
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Get data needed to authorize an investments transfer
      externalDocs:
        url: /api/products/investments/#investmentsauth
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InvestmentsAuthGetResponse'
              examples:
                example-1:
                  value:
                    accounts:
                      - account_id: 5Bvpj4QknlhVWk7GygpwfVKdd133GoCxB814g
                        balances:
                          available: 43200
                          current: 43200
                          iso_currency_code: USD
                          limit:
                          unofficial_currency_code:
                        mask: '4444'
                        name: Plaid Money Market
                        official_name: Plaid Platinum Standard 1.85% Interest Money Market
                        subtype: money market
                        type: depository
                      - account_id: JqMLm4rJwpF6gMPJwBqdh9ZjjPvvpDcb7kDK1
                        balances:
                          available:
                          current: 110.01
                          iso_currency_code: USD
                          limit:
                          unofficial_currency_code:
                        mask: '5555'
                        name: Plaid IRA
                        official_name:
                        subtype: ira
                        type: investment
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        balances:
                          available:
                          current: 23631.9805
                          iso_currency_code: USD
                          limit:
                          unofficial_currency_code:
                        mask: '6666'
                        name: Plaid Roth IRA
                        official_name:
                        subtype: roth
                        type: investment
                    holdings:
                      - account_id: JqMLm4rJwpF6gMPJwBqdh9ZjjPvvpDcb7kDK1
                        cost_basis: 1
                        institution_price: 1
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 0.01
                        iso_currency_code: USD
                        quantity: 0.01
                        security_id: d6ePmbPxgWCWmMVv66q9iPV94n91vMtov5Are
                        unofficial_currency_code:
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        cost_basis: 1.5
                        institution_price: 2.11
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 2.11
                        iso_currency_code: USD
                        quantity: 1
                        security_id: KDwjlXj1Rqt58dVvmzRguxJybmyQL8FgeWWAy
                        unofficial_currency_code:
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        cost_basis: 10
                        institution_price: 10.42
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 20.84
                        iso_currency_code: USD
                        quantity: 2
                        security_id: NDVQrXQoqzt5v3bAe8qRt4A7mK7wvZCLEBBJk
                        unofficial_currency_code:
                      - account_id: JqMLm4rJwpF6gMPJwBqdh9ZjjPvvpDcb7kDK1
                        cost_basis: 0.01
                        institution_price: 0.011
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 110
                        iso_currency_code: USD
                        quantity: 10000
                        security_id: 8E4L9XLl6MudjEpwPAAgivmdZRdBPJuvMPlPb
                        unofficial_currency_code:
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        cost_basis: 23
                        institution_price: 27
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 636.309
                        iso_currency_code: USD
                        quantity: 23.567
                        security_id: JDdP7XPMklt5vwPmDN45t3KAoWAPmjtpaW7DP
                        unofficial_currency_code:
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        cost_basis: 15
                        institution_price: 13.73
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 1373.6865
                        iso_currency_code: USD
                        quantity: 100.05
                        security_id: nnmo8doZ4lfKNEDe3mPJipLGkaGw3jfPrpxoN
                        unofficial_currency_code:
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        cost_basis: 1
                        institution_price: 1
                        institution_price_as_of: '2021-04-13'
                        institution_price_datetime:
                        institution_value: 12345.67
                        iso_currency_code: USD
                        quantity: 12345.67
                        security_id: d6ePmbPxgWCWmMVv66q9iPV94n91vMtov5Are
                        unofficial_currency_code:
                    item:
                      available_products:
                        - balance
                        - identity
                        - liabilities
                        - transactions
                      billed_products:
                        - assets
                        - auth
                        - investments_auth
                      consent_expiration_time:
                      error:
                      institution_id: ins_3
                      item_id: 4z9LPae1nRHWy8pvg9jrsgbRP4ZNQvIdbLq7g
                      update_type: background
                      webhook: https://www.genericwebhookurl.com/webhook
                    numbers:
                      acats:
                        - account: TR4444
                          account_id: 5Bvpj4QknlhVWk7GygpwfVKdd133GoCxB814g
                          dtc_numbers: []
                        - account: TR5555
                          account_id: JqMLm4rJwpF6gMPJwBqdh9ZjjPvvpDcb7kDK1
                          dtc_numbers: []
                        - account: TR6666
                          account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                          dtc_numbers: []
                      aton: []
                    request_id: l68wb8zpS0hqmsJ
                    owners:
                      - account_id: 5Bvpj4QknlhVWk7GygpwfVKdd133GoCxB814g
                        names:
                          - Alberta Bobbeth Charleson
                      - account_id: JqMLm4rJwpF6gMPJwBqdh9ZjjPvvpDcb7kDK1
                        names:
                          - Alberta Bobbeth Charleson
                      - account_id: k67E4xKvMlhmleEa4pg9hlwGGNnnEeixPolGm
                        names:
                          - Alberta Bobbeth Charleson
                    securities:
                      - close_price: 0.011
                        close_price_as_of: '2021-04-13'
                        cusip:
                        institution_id:
                        institution_security_id:
                        is_cash_equivalent: false
                        isin:
                        iso_currency_code: USD
                        name: Nflx Feb 01'18 $355 Call
                        proxy_security_id:
                        security_id: 8E4L9XLl6MudjEpwPAAgivmdZRdBPJuvMPlPb
                        sedol:
                        ticker_symbol: NFLX180201C00355000
                        type: derivative
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code: XNAS
                        option_contract:
                          contract_type: call
                          expiration_date: '2018-02-01'
                          strike_price: 355
                          underlying_security_ticker: NFLX
                      - close_price: 27
                        close_price_as_of:
                        cusip: '577130834'
                        institution_id:
                        institution_security_id:
                        is_cash_equivalent: false
                        isin: US5771308344
                        iso_currency_code: USD
                        name: Matthews Pacific Tiger Fund Insti Class
                        proxy_security_id:
                        security_id: JDdP7XPMklt5vwPmDN45t3KAoWAPmjtpaW7DP
                        sedol:
                        ticker_symbol: MIPTX
                        type: mutual fund
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code: XNAS
                        option_contract:
                      - close_price: 2.11
                        close_price_as_of:
                        cusip: 00448Q201
                        institution_id:
                        institution_security_id:
                        is_cash_equivalent: false
                        isin: US00448Q2012
                        iso_currency_code: USD
                        name: Achillion Pharmaceuticals Inc.
                        proxy_security_id:
                        security_id: KDwjlXj1Rqt58dVvmzRguxJybmyQL8FgeWWAy
                        sedol:
                        ticker_symbol: ACHN
                        type: equity
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code: XNAS
                        option_contract:
                      - close_price: 10.42
                        close_price_as_of:
                        cusip: '258620103'
                        institution_id:
                        institution_security_id:
                        is_cash_equivalent: false
                        isin: US2586201038
                        iso_currency_code: USD
                        name: DoubleLine Total Return Bond Fund
                        proxy_security_id:
                        security_id: NDVQrXQoqzt5v3bAe8qRt4A7mK7wvZCLEBBJk
                        sedol:
                        ticker_symbol: DBLTX
                        type: mutual fund
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code: XNAS
                        option_contract:
                      - close_price: 1
                        close_price_as_of:
                        cusip:
                        institution_id:
                        institution_security_id:
                        is_cash_equivalent: true
                        isin:
                        iso_currency_code: USD
                        name: U S Dollar
                        proxy_security_id:
                        security_id: d6ePmbPxgWCWmMVv66q9iPV94n91vMtov5Are
                        sedol:
                        ticker_symbol: USD
                        type: cash
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code:
                        option_contract:
                      - close_price: 13.73
                        close_price_as_of:
                        cusip:
                        institution_id: ins_3
                        institution_security_id: NHX105509
                        is_cash_equivalent: false
                        isin:
                        iso_currency_code: USD
                        name: NH PORTFOLIO 1055 (FIDELITY INDEX)
                        proxy_security_id:
                        security_id: nnmo8doZ4lfKNEDe3mPJipLGkaGw3jfPrpxoN
                        sedol:
                        ticker_symbol: NHX105509
                        type: etf
                        unofficial_currency_code:
                        update_datetime:
                        market_identifier_code: XNAS
                        option_contract:
      operationId: investmentsAuthGet
      description: >-
        The `/investments/auth/get` endpoint allows developers to receive
        user-authorized data to facilitate the transfer of holdings
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/InvestmentsAuthGetRequest'
components:
  schemas:
    AuthGetResponse:
      type: object
      additionalProperties: true
      description: AuthGetResponse defines the response schema for `/auth/get`
      properties:
        accounts:
          type: array
          description: The `accounts` for which numbers are being retrieved.
          items:
            $ref: '#/components/schemas/AccountBase'
        numbers:
          $ref: '#/components/schemas/AuthGetNumbers'
        item:
          $ref: '#/components/schemas/Item'
        request_id:
          $ref: '#/components/schemas/RequestID'
      required:
        - accounts
        - numbers
        - item
        - request_id
    PlaidError:
      description: >-
        Errors are identified by `error_code` and categorized by `error_type`.
        Use these in preference to HTTP status codes to identify and handle
        specific errors. HTTP status codes are set and provide the broadest
        categorization of errors: 4xx codes are for developer- or user-related
        errors, and 5xx codes are for Plaid-related errors, and the status will
        be 2xx in non-error cases. An Item with a non-`null` error object will
        only be part of an API response when calling `/item/get` to view Item
        status. Otherwise, error fields will be `null` if no error has occurred;
        if an error has occurred, an error code will be returned instead.
      type: object
      additionalProperties: true
      title: Error
      nullable: true
      properties:
        error_type:
          $ref: '#/components/schemas/PlaidErrorType'
        error_code:
          description: The particular error code. Safe for programmatic use.
          type: string
        error_message:
          description: >-
            A developer-friendly representation of the error code. This may
            change over time and is not safe for programmatic use.
          type: string
        display_message:
          description: >-
            A user-friendly representation of the error code. `null` if the
            error is not related to user action.


            This may change over time and is not safe for programmatic use.
          type: string
          nullable: true
        request_id:
          type: string
          description: >-
            A unique ID identifying the request, to be used for troubleshooting
            purposes. This field will be omitted in errors provided by webhooks.
        causes:
          type: array
          description: >-
            In the Assets product, a request can pertain to more than one Item.
            If an error is returned for such a request, `causes` will return an
            array of errors containing a breakdown of these errors on the
            individual Item level, if any can be identified.


            `causes` will only be provided for the `error_type`
            `ASSET_REPORT_ERROR`. `causes` will also not be populated inside an
            error nested within a `warning` object.
          items: {}
        status:
          type: integer
          description: >-
            The HTTP status code associated with the error. This will only be
            returned in the response body when the error information is provided
            via a webhook.
          nullable: true
        documentation_url:
          type: string
          description: >-
            The URL of a Plaid documentation page with more information about
            the error
        suggested_action:
          type: string
          nullable: true
          description: Suggested steps for resolving the error
      required:
        - error_type
        - error_code
        - error_message
        - display_message
    ProcessorAuthGetResponse:
      type: object
      additionalProperties: true
      description: >-
        ProcessorAuthGetResponse defines the response schema for
        `/processor/auth/get`
      properties:
        request_id:
          $ref: '#/components/schemas/RequestID'
        numbers:
          $ref: '#/components/schemas/ProcessorNumber'
        account:
          $ref: '#/components/schemas/AccountBase'
      required:
        - request_id
        - numbers
        - account
    InvestmentsAuthGetResponse:
      type: object
      additionalProperties: true
      x-hidden-from-docs: true
      description: >-
        InvestmentsAuthGetResponse defines the response schema for
        `/investments/auth/get`
      properties:
        accounts:
          type: array
          description: The accounts for which data is being retrieved
          items:
            $ref: '#/components/schemas/AccountBase'
        holdings:
          type: array
          description: >-
            The holdings belonging to investment accounts associated with the
            Item. Details of the securities in the holdings are provided in the
            `securities` field. 
          items:
            $ref: '#/components/schemas/Holding'
        securities:
          description: >-
            Objects describing the securities held in the accounts associated
            with the Item. 
          type: array
          items:
            $ref: '#/components/schemas/Security'
        owners:
          description: >-
            Information about the account owners for the accounts associated
            with the Item. 
          type: array
          items:
            $ref: '#/components/schemas/InvestmentsAuthOwner'
        numbers:
          $ref: '#/components/schemas/InvestmentsAuthGetNumbers'
        item:
          $ref: '#/components/schemas/Item'
        request_id:
          $ref: '#/components/schemas/RequestID'
      required:
        - accounts
        - holdings
        - securities
        - item
        - numbers
        - owners
        - request_id
Plaid Auth API

Documentation

Specifications

Other Resources

OpenAPI Specification
