mcp server

plaid-mcp

HEAL-Engineering/plaid-mcpcommunitylistedunreviewed

Set up

Runs on your computer. Pick your agent and operating system.

Before you start

uv (`curl -LsSf https://astral.sh/uv/install.sh | sh`)

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "plaid-mcp": {
      "command": "uvx",
      "args": [
        "plaid-mcp"
      ]
    }
  }
}

same format Cursor, GitHub Copilot CLI, Junie, JetBrains AI Assistant, Augment (Auggie CLI), Factory Droid, Kiro, Devin CLI +12

Values in angle brackets are placeholders. Restart Claude Desktop after editing its config.Claude Desktop docs

README

synced Oct 23, 2026

plaid-mcp

A Model Context Protocol (MCP) server that exposes Plaid sandbox transactions for AI agents.

Overview

This MCP server wraps Plaid's sandbox environment, providing 3 task-shaped tools that AI agents can use to query financial data without managing Plaid tokens directly.

Tools

Tool	Description	Arguments
`list_accounts`	Returns all sandbox accounts with balances	None
`list_recent_transactions`	Returns recent transactions	`days_back: int (1-365, default 30)`
`list_transactions_by_category`	Filtered transactions by category	`category: str`, `days_back: int`

Quickstart

1. Get Plaid Sandbox Credentials

Sign up at https://dashboard.plaid.com/signup
Navigate to Developers → Keys
Copy your client_id and Sandbox secret

2. Configure Environment

cp .env.example .env
# Edit .env with your credentials

3. Install and Run

# Install dependencies
uv sync

# Run in stdio mode (for Claude Code / orchestrators)
uv run python server.py

# Or run in HTTP mode
MCP_TRANSPORT=streamable-http uv run python server.py

Use with Claude Code

claude mcp add plaid-mcp uv run python /path/to/plaid-mcp/server.py

Example prompts:

"What accounts do I have?"
"How much did I spend on food this month?"
"Show me my recent transactions"

Use with Docker

docker compose up

The server will be available at http://localhost:8001/mcp.

Architecture

Singleton token pattern: The server mints a Plaid sandbox access token on first use and caches it at .cache/plaid.json. Agents don't need to manage tokens.
Task-shaped tools: 3 high-level tools instead of raw Plaid API endpoints.
Dual transport: stdio for subprocess orchestration, streamable-http for Docker/HTTP clients.

License

MIT