The accounts associated with the Item

Plaid’s unique identifier for the account. This value will not change unless Plaid can’t reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new account_id will be assigned to the account. The account_id can also change if the access_token is deleted and the same credentials that were used to generate that access_token are used to generate a new access_token on a later date. In that case, the new account_id will be different from the old account_id. If an account with a specific account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API. When using a CRA endpoint (an endpoint associated with Plaid Check Consumer Report, i.e. any endpoint beginning with /cra/), the account_id returned will not match the account_id returned by a non-CRA endpoint. Like all Plaid identifiers, the account_id is case sensitive.

A set of fields describing the balance for an account. Balance information may be cached unless the balance object was returned by /accounts/balance/get.

The amount of funds available to be withdrawn from the account, as determined by the financial institution. For credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows. For depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit. For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution. Note that not all institutions calculate the available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null. Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by /accounts/balance/get. If current is null this field is guaranteed not to be null.

The total amount of funds in or owed by the account. For credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder. For loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account’s balance includes both principal and any outstanding interest. Similar to credit-type accounts, a positive balance is typically expected, while a negative amount indicates the lender owing the account holder. For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution. Note that balance information may be cached unless the value was returned by /accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get. When returned by /accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.

For credit-type accounts, this represents the credit limit. For depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe. In North America, this field is typically only available for credit-type accounts.

The ISO-4217 currency code of the balance. Always null if unofficial_currency_code is non-null.

The unofficial currency code associated with the balance. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries. See the currency code schema for a full listing of supported unofficial_currency_codes.

Timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ) indicating the last time the balance was updated. This field is returned only when the institution is ins_128026 (Capital One).

The last 2-4 alphanumeric characters of either the account’s displayed mask or the account’s official account number. Note that the mask may be non-unique between an Item’s accounts.

The name of the account, either assigned by the user or by the financial institution itself

The official name of the account as given by the financial institution

investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead. credit: Credit card depository: Depository account loan: Loan account other: Non-specified account type See the Account type schema for a full listing of account types and corresponding subtypes.

See the Account type schema for a full listing of account types and corresponding subtypes.

The current verification status of an Auth Item initiated through micro-deposits or database verification. Returned for Auth Items only. pending_automatic_verification: The Item is pending automatic verification pending_manual_verification: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the micro-deposit. automatically_verified: The Item has successfully been automatically verified manually_verified: The Item has successfully been manually verified verification_expired: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link. verification_failed: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link. unsent: The Item is pending micro-deposit verification, but Plaid has not yet sent the micro-deposit. database_matched: The Item has successfully been verified using Plaid’s data sources. Only returned for Auth Items created via Database Match. database_insights_pass: The Item’s numbers have been verified using Plaid’s data sources: the routing and account number match a routing and account number of an account recognized on the Plaid network, and the account is not known by Plaid to be frozen or closed. Only returned for Auth Items created via Database Auth. database_insights_pass_with_caution:The Item’s numbers have been verified using Plaid’s data sources and have some signal for being valid: the routing and account number were not recognized on the Plaid network, but the routing number is valid and the account number is a potential valid account number for that routing number. Only returned for Auth Items created via Database Auth. database_insights_fail: The Item’s numbers have been verified using Plaid’s data sources and have signal for being invalid and/or have no signal for being valid. Typically this indicates that the routing number is invalid, the account number does not match the account number format associated with the routing number, or the account has been reported as closed or frozen. Only returned for Auth Items created via Database Auth.

The account holder name that was used for micro-deposit and/or database verification. Only returned for Auth Items created via micro-deposit or database verification. This name was manually-entered by the user during Link, unless it was otherwise provided via the user.legal_name request field in /link/token/create for the Link session that created the Item.

Insights from performing database verification for the account. Only returned for Auth Items using Database Auth.

Indicates the score of the name match between the given name provided during database verification (available in the verification_name field) and matched Plaid network accounts. If defined, will be a value between 0 and 100. Will be undefined if name matching was not enabled for the database verification session or if there were no eligible Plaid network matches to compare the given name with.

Status information about the account and routing number in the Plaid network.

Indicates whether we found at least one matching account for the ACH account and routing number.

Indicates if at least one matching account for the ACH account and routing number is already verified.

Information about known ACH returns for the account and routing number.

Indicates whether Plaid’s data sources include a known administrative ACH return for account and routing number.

Indicator of account number format validity for institution. valid: indicates that the account number has a correct format for the institution. invalid: indicates that the account number has an incorrect format for the institution. unknown: indicates that there was not enough information to determine whether the format is correct for the institution.

A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This field is currently supported only for Items at institutions that use Tokenized Account Numbers (i.e., Chase and PNC, and in May 2025 US Bank). Because these accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify an account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud. In Sandbox, this field is populated for TAN-based institutions (ins_56, ins_13) as well as the OAuth Sandbox institution (ins_127287); in Production, it will only be populated for accounts at applicable institutions.

Indicates the account’s categorization as either a personal or a business account. This field is currently in beta; to request access, contact your account manager.

The holdings belonging to investment accounts associated with the Item. Details of the securities in the holdings are provided in the securities field.

The Plaid account_id associated with the holding.

The Plaid security_id associated with the holding. Security data is not specific to a user’s account; any user who held the same security at the same financial institution at the same time would have identical security data. The security_id for the same security will typically be the same across different institutions, but this is not guaranteed. The security_id does not typically change, but may change if inherent details of the security change due to a corporate action, for example, in the event of a ticker symbol change or CUSIP change.

The last price given by the institution for this security.

The date at which institution_price was current.

Date and time at which institution_price was current, in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ). This field is returned for select financial institutions and comes as provided by the institution. It may contain default time values (such as 00:00:00).

The value of the holding, as reported by the institution.

The total cost basis of the holding (e.g., the total amount spent to acquire all assets currently in the holding).

The total quantity of the asset held, as reported by the financial institution. If the security is an option, quantity will reflect the total number of options (typically the number of contracts multiplied by 100), not the number of contracts.

The ISO-4217 currency code of the holding. Always null if unofficial_currency_code is non-null.

The unofficial currency code associated with the holding. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries. See the currency code schema for a full listing of supported iso_currency_codes.

The total quantity of vested assets held, as reported by the financial institution. Vested assets are only associated with equities.

The value of the vested holdings as reported by the institution.

Objects describing the securities held in the accounts associated with the Item.

A unique, Plaid-specific identifier for the security, used to associate securities with holdings. Like all Plaid identifiers, the security_id is case sensitive. The security_id may change if inherent details of the security change due to a corporate action, for example, in the event of a ticker symbol change or CUSIP change.

12-character ISIN, a globally unique securities identifier. A verified CUSIP Global Services license is required to receive this data. This field will be null by default for new customers, and null for existing customers starting March 12, 2024. If you would like access to this field, please start the verification process here.

9-character CUSIP, an identifier assigned to North American securities. A verified CUSIP Global Services license is required to receive this data. This field will be null by default for new customers, and null for existing customers starting March 12, 2024. If you would like access to this field, please start the verification process here.

(Deprecated) 7-character SEDOL, an identifier assigned to securities in the UK.

An identifier given to the security by the institution

If institution_security_id is present, this field indicates the Plaid institution_id of the institution to whom the identifier belongs.

In certain cases, Plaid will provide the ID of another security whose performance resembles this security, typically when the original security has low volume, or when a private security can be modeled with a publicly traded security.

A descriptive name for the security, suitable for display.

The security’s trading symbol for publicly traded securities, and otherwise a short identifier if available.

Indicates that a security is a highly liquid asset and can be treated like cash.

The security type of the holding. In rare instances, a null value is returned when institutional data is insufficient to determine the security type. Valid security types are: cash: Cash, currency, and money market funds cryptocurrency: Digital or virtual currencies derivative: Options, warrants, and other derivative instruments equity: Domestic and foreign equities etf: Multi-asset exchange-traded investment funds fixed income: Bonds and certificates of deposit (CDs) loan: Loans and loan receivables mutual fund: Open- and closed-end vehicles pooling funds of multiple investors other: Unknown or other investment types

The security subtype of the holding. In rare instances, a null value is returned when institutional data is insufficient to determine the security subtype. Possible values: asset backed security, bill, bond, bond with warrants, cash, cash management bill, common stock, convertible bond, convertible equity, cryptocurrency, depositary receipt, depositary receipt on debt, etf, float rating note, fund of funds, hedge fund, limited partnership unit, medium term note, money market debt, mortgage backed security, municipal bond, mutual fund, note, option, other, preferred convertible, preferred equity, private equity fund, real estate investment trust, structured equity product, treasury inflation protected securities, unit, warrant.

Price of the security at the close of the previous trading session. Null for non-public securities. If the security is a foreign currency this field will be updated daily and will be priced in USD. If the security is a cryptocurrency, this field will be updated multiple times a day. As crypto prices can fluctuate quickly and data may become stale sooner than other asset classes, refer to update_datetime with the time when the price was last updated.

Date for which close_price is accurate. Always null if close_price is null.

Date and time at which close_price is accurate, in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ). Always null if close_price is null.

The ISO-4217 currency code of the price given. Always null if unofficial_currency_code is non-null.

The unofficial currency code associated with the security. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries. See the currency code schema for a full listing of supported iso_currency_codes.

The ISO-10383 Market Identifier Code of the exchange or market in which the security is being traded.

The sector classification of the security, such as Finance, Health Technology, etc. For a complete list of possible values, please refer to the “Sectors and Industries” spreadsheet.

The industry classification of the security, such as Biotechnology, Airlines, etc. For a complete list of possible values, please refer to the “Sectors and Industries” spreadsheet.

Details about the option security. For the Sandbox environment, this data is currently only available if the Item is using a custom Sandbox user and the ticker field of the custom security follows the OCC Option Symbol standard with no spaces. For an example of simulating this in Sandbox, see the custom Sandbox GitHub.

The type of this option contract. It is one of: put: for Put option contracts call: for Call option contracts

The expiration date for this option contract, in ISO 8601 format.

The strike price for this option contract, per share of security.

The ticker of the underlying security for this option contract.

Details about the fixed income security.

Details about a fixed income security’s expected rate of return.

The fixed income security’s expected rate of return.

The type of rate which indicates how the predicted yield was calculated. It is one of: coupon: the annualized interest rate for securities with a one-year term or longer, such as treasury notes and bonds. coupon_equivalent: the calculated equivalent for the annualized interest rate factoring in the discount rate and time to maturity, for shorter term, non-interest-bearing securities such as treasury bills. discount: the rate at which the present value or cost is discounted from the future value upon maturity, also known as the face value. yield: the total predicted rate of return factoring in both the discount rate and the coupon rate, applicable to securities such as exchange-traded bonds which can both be interest-bearing as well as sold at a discount off its face value.

The maturity date for this fixed income security, in ISO 8601 format.

The issue date for this fixed income security, in ISO 8601 format.

The face value that is paid upon maturity of the fixed income security, per unit of security.

Metadata about the Item.

The Plaid Item ID. The item_id is always unique; linking the same account at the same institution twice will result in two Items with different item_id values. Like all Plaid identifiers, the item_id is case-sensitive.

The Plaid Institution ID associated with the Item. Field is null for Items created without an institution connection, such as Items created via Same Day Micro-deposits.

The name of the institution associated with the Item. Field is null for Items created without an institution connection, such as Items created via Same Day Micro-deposits.

The URL registered to receive webhooks for the Item.

The method used to populate Auth data for the Item. This field is only populated for Items that have had Auth numbers data set on at least one of its accounts, and will be null otherwise. For info about the various flows, see our Auth coverage documentation. INSTANT_AUTH: The Item’s Auth data was provided directly by the user’s institution connection. INSTANT_MATCH: The Item’s Auth data was provided via the Instant Match fallback flow. AUTOMATED_MICRODEPOSITS: The Item’s Auth data was provided via the Automated Micro-deposits flow. SAME_DAY_MICRODEPOSITS: The Item’s Auth data was provided via the Same Day Micro-deposits flow. INSTANT_MICRODEPOSITS: The Item’s Auth data was provided via the Instant Micro-deposits flow. DATABASE_MATCH: The Item’s Auth data was provided via the Database Match flow. DATABASE_INSIGHTS: The Item’s Auth data was provided via the Database Insights flow. TRANSFER_MIGRATED: The Item’s Auth data was provided via /transfer/migrate_account. INVESTMENTS_FALLBACK: The Item’s Auth data for Investments Move was provided via a fallback flow.

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.

A broad categorization of the error. Safe for programmatic use.

The particular error code. Safe for programmatic use.

The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use. Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated. OAUTH_CONSENT_EXPIRED: The user’s access consent for this OAuth connection to this institution has expired. OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.

A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.

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.

A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.

In this 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 be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.

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.

The URL of a Plaid documentation page with more information about the error

Suggested steps for resolving the error

A list of products available for the Item that have not yet been accessed. The contents of this array will be mutually exclusive with billed_products.

A list of products that have been billed for the Item. The contents of this array will be mutually exclusive with available_products. Note - billed_products is populated in all environments but only requests in Production are billed. Also note that products that are billed on a pay-per-call basis rather than a pay-per-Item basis, such as balance, will not appear here.

A list of products added to the Item. In almost all cases, this will be the same as the billed_products field. For some products, it is possible for the product to be added to an Item but not yet billed (e.g. Assets, before /asset_report/create has been called, or Auth or Identity when added as Optional Products but before their endpoints have been called), in which case the product may appear in products but not in billed_products.

A list of products that the user has consented to for the Item via Data Transparency Messaging. This will consist of all products where both of the following are true: the user has consented to the required data scopes for that product and you have Production access for that product.

The date and time at which the Item’s access consent will expire, in ISO 8601 format. If the Item does not have consent expiration scheduled, this field will be null. Currently, only institutions in Europe and a small number of institutions in the US have expiring consent. For a list of US institutions that currently expire consent, see the OAuth Guide.

Indicates whether an Item requires user interaction to be updated, which can be the case for Items with some forms of two-factor authentication. background - Item can be updated in the background user_present_required - Item requires user interaction to be updated

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

When true, this field indicates that the Item’s portfolio was manually created with the Investments Fallback flow.