Plaid Investments API
Plaid Inc. · Account aggregation · plaid.com
Open: self-serve docs and keys Last checked Oct 17, 2026
Plaid Investments returns holdings, securities and up to 24 months of investment transactions over a REST API. API keys come from a Dashboard sign-up, a free Sandbox is available, and Plaid publishes an OpenAPI 3.0 spec and official client libraries for five languages.
Developer surface
Open any row to see the page it came from, the exact words on that page and when we checked. "Not found" means we looked on the public pages listed in the note and the fact wasn't there.
| API access | Open: self-serve docs and keys Checked on the source's own page · Oct 17, 2026“You'll need API keys, which you can receive by signing up in the Dashboard.”
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| Developer docs | plaid.com Checked on the source's own page · Oct 17, 2026“The Investments product allows you to obtain holding, security, and transactions data for investment-type accounts”
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| API style | REST Checked on the source's own page · Oct 17, 2026“The Sandbox can be reached by sending HTTPS POST requests to the endpoints on the sandbox.plaid.com domain.”
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| Authentication | API key Checked on the source's own page · Oct 17, 2026“initialize them by passing in your client_id, secret, and the environment you wish to connect to”
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| How to get access | Sign up in the Plaid Dashboard to get a client ID and Sandbox secret; apply for Production access in the Dashboard. Checked on the source's own page · Oct 17, 2026“You'll need API keys, which you can receive by signing up in the Dashboard.”
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| Sandbox | Yes, self-serve Checked on the source's own page · Oct 17, 2026“The Plaid Sandbox is a free and fully-featured environment for application development and testing.”
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| Rate limits | /investments/holdings/get: 15 per minute per Item and 2,000 per minute per client in Production; /investments/transactions/get: 30 per minute per Item in Production. Checked on the source's own page · Oct 17, 2026“requests to /investments/holdings/get are rate limited to 15 per minute (per Item) and 2,000 per minute (per client)”
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| Webhooks | Yes Checked on the source's own page · Oct 17, 2026“Listen for the HOLDINGS: DEFAULT_UPDATE and INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE webhooks to know when updated data is available.”
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| SDKs | Node, Python, Ruby, Java, Go Checked on the source's own page · Oct 17, 2026“Plaid offers official API libraries for different programming languages”
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| OpenAPI spec | Published Checked on the source's own page · Oct 17, 2026“Plaid uses the OpenAPI 3.0.0 specification to schematize our docs and to generate our supported client libraries.”
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| Partner program | Not found Not found · Oct 17, 2026
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| Public integration list | Not found Not found · Oct 17, 2026
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| Ways to connect | Native API Checked on the source's own page · Oct 17, 2026“Call /investments/holdings/get to retrieve security and holding data”
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MCP servers and AI connectors
- Plaid Dashboard MCP server: Developer-tooling MCP server, live
What the docs don't say
- The docs state that Limited Production caps the total number of Items and blocks some major institutions, but give no number for the cap on the pages read.
- The Sandbox page says Investments webhooks typically do not fire in Sandbox because holdings are not dynamic there, so webhook handling for Investments cannot be fully exercised before Production or a Trial plan.
- The Dashboard MCP server on plaid.com is documented as Production diagnostics and analytics tooling, not an Investments data connector.
Changes
No changes recorded since this record was first published (Oct 17, 2026). Changes show up here and in the changelog.
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