Plaid Rate Limits
Plaid publishes a per-endpoint rate-limit table on the "Rate Limit Exceeded" errors page. Limits are documented as two values per endpoint: a per-Item cap (scoped to a specific linked account/login) and a per-client cap (scoped to the whole client-id). Exceeding a limit returns HTTP 429 with an error_type=RATE_LIMIT_EXCEEDED envelope; the response does NOT advertise X-RateLimit-* headers. This capture records the most commonly hit endpoints verbatim from the Production table; the docs note the table is not exhaustive and that some customers may be provisioned different thresholds.
Plaid Rate Limits is the rate-limit profile for Plaid on the APIs.io network — every limit transcribed verbatim from the provider’s own documentation on 2026-09-23.
It captures 37 rate-limit definitions, including /accounts/balance/get per Item — 5 per minute, 30 per hour; /accounts/balance/get per client — 1,200 per minute; /accounts/get per Item — 15 per minute.
An exhausted limit returns HTTP 429.
The profile also includes 3 backoff/retry policies defined and response codes documented for throttled and rateLimitExceeded.
Tagged areas include Rate Limiting, Fintech, and Open Finance.
Limits
Policies
Sources
Work with this as data
Every rate limit here is available over the APIs.io API and to AI agents over MCP.