Plaid MCP

Community (Plaid API)

CommunityRead-OnlyAdvanced

claudechatgptcursor

Security Notice

CRITICAL — Plaid connects AI agents to real bank accounts containing sensitive financial data and account credentials. Never store Plaid access tokens in agent memory or conversation history. Use read-only products where possible — avoid requesting auth product (routing numbers) unless ACH is explicitly required. Implement proper token rotation and expiry handling. Plaid Link must be used for user authentication — never ask users to share bank credentials directly. GDPR compliance requires explicit user consent before connecting bank accounts in EU markets. US CA UK EU availability varies by Plaid product — verify regional product availability before deployment.

Plaid MCP connects AI agents to bank accounts, investment portfolios, and financial data across 18,000+ financial institutions via Plaid's secure API. Read-only access. Requires Plaid API credentials — free for development, usage-based pricing in production. Best for developers building financial AI tools that need real bank account data. High security sensitivity — never store access tokens in conversation history.

About Plaid MCP

The Plaid MCP server gives AI agents access to the financial data infrastructure that powers thousands of fintech applications — bank account balances, transaction history with merchant categorization, income verification, investment holdings, and liability data across 18,000+ financial institutions. For developers building financial AI tools, Plaid MCP is the foundational connectivity layer that eliminates custom bank integration work. The server is community-maintained and provides read-only access to Plaid's full product suite. Security is paramount: Plaid access tokens must never be stored in agent conversation history or memory, Plaid Link must handle all user authentication, and only the minimum required Plaid products should be requested. Production deployment requires Plaid API credentials with usage-based pricing — verify current rates at plaid.com/pricing.

Use Cases

Aggregate financial data across multiple bank accounts and institutions for unified analysis
Build personal finance AI tools that connect to users real bank accounts securely
Verify income and employment for lending and underwriting workflows
Monitor cash flow across multiple accounts without manual data aggregation
Power financial planning AI tools with live bank and investment account data

Available Tools

get_accounts

bank account balances and metadata across all linked institutions

get_transactions

transaction history with merchant categorization and metadata

get_identity

account holder name and address verification

get_income

income verification from bank data

get_investments

investment account holdings and transaction history

get_liabilities

loan and credit card liability data

get_auth

account and routing numbers for ACH

get_balance

real-time account balance check

Pricing

DevelopmentFree

Free for development and testing. Production use requires Plaid API credentials and pricing is per-item per-month based on connected accounts and products used. Contact Plaid for current production pricing at plaid.com/pricing

ProductionFree

Per-item per-month pricing varies by product and volume. Verify current pricing at plaid.com/pricing before production deployment

Technical Details

Install Method

npm, api-key

Compatible Clients

claude, chatgpt, cursor

Access Type

Read-Only

Target Audience

smb, enterprise

Available Regions

US, CA, UK, EU

Release Status

Last Updated