generated: '2026-09-23'
method: searched
source: https://plaid.com/docs/errors/rate-limit-exceeded/
sources:
  - https://plaid.com/docs/errors/rate-limit-exceeded/
name: Plaid rate limits
description: >-
  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.
provider: Plaid
providerId: plaid
tags:
  - Rate Limiting
  - Fintech
  - Open Finance
error_envelope:
  status: 429
  error_type: RATE_LIMIT_EXCEEDED
  error_code: '<ENDPOINT>_LIMIT (e.g. ACCOUNTS_LIMIT, AUTH_LIMIT)'
  fields:
    - error_type
    - error_code
    - error_message
    - display_message
    - request_id
headers: {}
responseCodes:
  throttled: 429
  rateLimitExceeded: 429
policies:
  - name: Per-Item vs per-client scoping
    description: >-
      Most product endpoints publish two thresholds — one that scopes to the
      Item (a single linked login) and one that scopes to the whole client-id.
      Both apply simultaneously.
  - name: Cursor pagination for transactions
    description: >-
      /transactions/sync is capped at 50 per minute per Item and 2,500 per
      minute per client; the docs recommend cursor pagination to avoid
      hitting per-empty-cursor throttles.
  - name: Contact account manager for higher limits
    description: >-
      The docs page states "If your use case requires a higher rate limit,
      contact your account manager or file a Support request."
published: true
limit_count: 30
note: >-
  Plaid publishes 100+ per-endpoint limits. The sample below captures the most
  commonly hit endpoints, all quoted verbatim as they appear in the Production
  table on plaid.com/docs/errors/rate-limit-exceeded. Every row's limit_text
  matches the page character-for-character.
limits:
  - name: /accounts/balance/get per Item
    limit_text: 5 per minute, 30 per hour
    scope: item
    endpoint: /accounts/balance/get
    plan: Production
  - name: /accounts/balance/get per client
    limit_text: 1,200 per minute
    limit: 1200
    window: minute
    scope: client
    endpoint: /accounts/balance/get
    plan: Production
  - name: /accounts/get per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /accounts/get
    plan: Production
  - name: /accounts/get per client
    limit_text: 15,000 per minute
    limit: 15000
    window: minute
    scope: client
    endpoint: /accounts/get
    plan: Production
  - name: /asset_report/create per Item
    limit_text: 5 per minute (per asset report)
    limit: 5
    window: minute
    scope: item
    endpoint: /asset_report/create
    plan: Production
  - name: /asset_report/create per client
    limit_text: 50 per minute
    limit: 50
    window: minute
    scope: client
    endpoint: /asset_report/create
    plan: Production
  - name: /auth/get per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /auth/get
    plan: Production
  - name: /auth/get per client
    limit_text: 12,000 per minute
    limit: 12000
    window: minute
    scope: client
    endpoint: /auth/get
    plan: Production
  - name: /identity/get per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /identity/get
    plan: Production
  - name: /identity/get per client
    limit_text: 2,000 per minute
    limit: 2000
    window: minute
    scope: client
    endpoint: /identity/get
    plan: Production
  - name: /identity/match per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /identity/match
    plan: Production
  - name: /identity/match per client
    limit_text: 2,000 per minute
    limit: 2000
    window: minute
    scope: client
    endpoint: /identity/match
    plan: Production
  - name: /institutions/get per client
    limit_text: 50 per minute
    limit: 50
    window: minute
    scope: client
    endpoint: /institutions/get
    plan: Production
  - name: /institutions/search per client
    limit_text: 1,000 per minute
    limit: 1000
    window: minute
    scope: client
    endpoint: /institutions/search
    plan: Production
  - name: /investments/refresh per Item
    limit_text: 1 per minute, 10 per hour, 20 per day
    scope: item
    endpoint: /investments/refresh
    plan: Production
  - name: /investments/refresh per client
    limit_text: 100 per minute, 6,000 per hour, 144,000 per day
    scope: client
    endpoint: /investments/refresh
    plan: Production
  - name: /investments/holdings/get per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /investments/holdings/get
    plan: Production
  - name: /investments/holdings/get per client
    limit_text: 2,000 per minute
    limit: 2000
    window: minute
    scope: client
    endpoint: /investments/holdings/get
    plan: Production
  - name: /item/get per Item
    limit_text: 15 per minute
    limit: 15
    window: minute
    scope: item
    endpoint: /item/get
    plan: Production
  - name: /item/get per client
    limit_text: 5,000 per minute
    limit: 5000
    window: minute
    scope: client
    endpoint: /item/get
    plan: Production
  - name: /item/public_token/exchange per client
    limit_text: 12,000 per minute
    limit: 12000
    window: minute
    scope: client
    endpoint: /item/public_token/exchange
    plan: Production
  - name: /link/token/create per client
    limit_text: 20,000 per minute
    limit: 20000
    window: minute
    scope: client
    endpoint: /link/token/create
    plan: Production
  - name: /liabilities/get per Item
    limit_text: 30 per minute
    limit: 30
    window: minute
    scope: item
    endpoint: /liabilities/get
    plan: Production
  - name: /liabilities/get per client
    limit_text: 10,000 per minute
    limit: 10000
    window: minute
    scope: client
    endpoint: /liabilities/get
    plan: Production
  - name: /processor/token/create per client
    limit_text: 500 per minute
    limit: 500
    window: minute
    scope: client
    endpoint: /processor/token/create
    plan: Production
  - name: /signal/evaluate per Item
    limit_text: 70 per hour, 10 per transaction per hour
    scope: item
    endpoint: /signal/evaluate
    plan: Production
  - name: /signal/evaluate per client
    limit_text: 20 per second
    limit: 20
    window: second
    scope: client
    endpoint: /signal/evaluate
    plan: Production
  - name: /transactions/get per Item
    limit_text: 30 per minute
    limit: 30
    window: minute
    scope: item
    endpoint: /transactions/get
    plan: Production
  - name: /transactions/get per client
    limit_text: 20,000 per minute
    limit: 20000
    window: minute
    scope: client
    endpoint: /transactions/get
    plan: Production
  - name: /transactions/sync per Item
    limit_text: 50 per minute
    limit: 50
    window: minute
    scope: item
    endpoint: /transactions/sync
    plan: Production
  - name: /transactions/sync per client
    limit_text: 2,500 per minute (500 per empty cursor request)
    scope: client
    endpoint: /transactions/sync
    plan: Production
  - name: /transactions/refresh per Item
    limit_text: 2 per minute, 120 per hour, 2,880 per day
    scope: item
    endpoint: /transactions/refresh
    plan: Production
  - name: /transactions/refresh per client
    limit_text: 100 per minute, 18,000 per hour, 432,000 per day
    scope: client
    endpoint: /transactions/refresh
    plan: Production
  - name: /transfer/authorization/create per Item
    limit_text: 100 per hour
    limit: 100
    window: hour
    scope: item
    endpoint: /transfer/authorization/create
    plan: Production
  - name: /transfer/authorization/create per client
    limit_text: 2,500 per minute
    limit: 2500
    window: minute
    scope: client
    endpoint: /transfer/authorization/create
    plan: Production
  - name: /transfer/create per Item
    limit_text: 1,000,000 per day
    limit: 1000000
    window: day
    scope: item
    endpoint: /transfer/create
    plan: Production
  - name: /transfer/create per client
    limit_text: 2,500 per minute
    limit: 2500
    window: minute
    scope: client
    endpoint: /transfer/create
    plan: Production