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Cómo conectar Plaid a ChatGPT — via MCP

Read Plaid (bank-linking, transactions, balances, identity, liabilities, investments) from any AI agent. 10 tools, body-credential auth.

HCBy HelpCode teamUpdated 2 min read Open source on GitHub

No credit card · 7-day trial · Self-host alternative available

MCP connector

Plaid

Read Plaid (bank-linking, transactions, balances, identity, liabilities, investments) from any AI agent. 10 tools, body-credential auth.

Tools

10

Region

INTL

Category

payments

Authentication

Required env vars

PLAID_CLIENT_IDPLAID_SECRET
Install in one click on Cloud

7-day free trial · No credit card

  • 7-day free trial
    No credit card required
  • GDPR & SOC 2 ready
    EU data residency, audit logs
  • Open-source on GitHub
    Source-available BSL-1.1
  • Works with ChatGPT, Claude, Gemini
    Any MCP-compatible client

No install? Use cloud.anythingmcp.com directly.

Sign in, install the Plaid in one click, paste the credentials, mint an MCP API key — done. No Docker, no git clone, no local server to run.

Open Cloud

💡 ¿Sin instalación? Usa cloud.anythingmcp.com directamente. Inicia sesión, pulsa Connectors → Plaid, pega tus credenciales, genera una MCP API key — listo. Sin Docker, sin git clone, sin servidor local.

Plaid + ChatGPT

Read Plaid (bank-linking, transactions, balances, identity, liabilities, investments) from any AI agent. 10 tools, body-credential auth.

Requisitos previos

Las instrucciones de configuración completas están incluidas en el conector (visibles en el store al seleccionarlo). Las variables de entorno requeridas:

PLAID_CLIENT_ID, PLAID_SECRET

Paso 1 — Obtener credenciales

This connector wraps the Plaid REST API (per-environment).

Setup:

  1. Sign up at https://dashboard.plaid.comTeam Settings → Keys. Note your client_id and one of: sandbox, development, production secret.
  2. Environment matters: change baseUrl: sandbox.plaid.com (free, fake banks), development.plaid.com (real banks, 100 free items), production.plaid.com (paid). Defaults to sandbox.
  3. Set PLAID_CLIENT_ID and PLAID_SECRET.

Authentication: every POST sends client_id + secret in the JSON body — NOT as headers. The adapter merges them automatically via envVars.

…(continued in the in-app connector instructions)

Paso 2 — Instalar el adapter

git clone https://github.com/HelpCode-ai/anythingmcp.git
cd anythingmcp && docker compose up -d

Paso 3 — Añadir el conector en ChatGPT

ChatGPT soporta servidores MCP a través de la función Connectors (planes Plus / Pro / Team / Enterprise). El plan gratuito no admite conectores personalizados.

  1. Abre ChatGPT → Settings → Connectors (o pulsa el icono 🔧 en el composer → Manage connectors).
  2. Pulsa "Add custom connector".
  3. Rellena:
    • Name: Plaid
    • MCP server URL: https://cloud.anythingmcp.com/mcp
    • Authentication: Bearer token → pega tu MCP API key (de AnythingMCP → Profile → MCP API Keys → New Key)
  4. Pulsa Connect para autorizar.

Herramientas disponibles

ToolWhat it does
plaid_link_token_createCreate a short-lived link_token to pass to the Plaid Link client
plaid_item_public_token_exchangeExchange a public_token (from Plaid Link) for a long-lived access_token + item_id
plaid_item_getGet metadata about an Item (institution, products, billed products, status, error)
plaid_accounts_getList accounts for an Item with name, mask, type (depository, credit, loan, investment), subtype
plaid_accounts_balance_getGet real-time balances for an Item's accounts (may trigger a refresh — slower than accounts_get)
plaid_transactions_getGet transactions in a date range (up to 730 days back)
plaid_transactions_syncIncremental transactions sync
plaid_identity_getGet identity info attached to the Item's accounts (names, emails, addresses, phone numbers)
plaid_auth_getGet bank routing + account numbers for ACH/EFT setup
plaid_institutions_searchSearch Plaid's catalog of supported financial institutions by name + country

FAQ

¿Funciona el plan gratuito de ChatGPT con los Connectors MCP personalizados? No — se necesita Plus, Pro, Team o Enterprise.

Siguientes pasos

Ready to ship

Your Plaid agent is one click away.

Install the connector, paste the key, prompt ChatGPT. Free for 7 days, no credit card.