Sample - Plaid API
POST/beta/transactions/user_insights/v1/get

Get user transaction insights

Retrieves user insights generated from transactions enriched through /transactions/enrich. Supply client_user_id to identify the user whose transaction data should be analyzed, and use the endpoint only with data prepared by the enrichment flow. The response includes transaction coverage, counterparty, category, and recurring transaction insights.

  • RetriesRetries up to 2×, 500ms backoff, 30s timeout.

3 body fields

Request identifying the user whose enriched transaction data should be used to generate insights.

client_idstringoptional
Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
secretstringoptional
Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
client_user_idstringrequired
A unique client-provided `client_user_id` to retrieve insights for.

2 status codes
200Returns user insights containing transaction coverage metadata, counterparty insights, category insights, and recurring transaction streams.
user_data_overviewobjectrequired
metadata for the set of insights provided in `TransactionsUserInsightsGetResponse`
counterparty_insightsobjectoptional
Insights around a user's counterparties
category_insightsobjectoptional
Insights on a user's top personal finance categories.
recurring_transactionsobjectoptional
Insights object for recurring transactions for `/beta/transactions/user_insights/v1/get` endpoint
defaultError response
error_typestringrequired
A broad categorization of the error. Safe for programmatic use.
Allowed:INVALID_REQUESTINVALID_RESULTINVALID_INPUTINSTITUTION_ERRORRATE_LIMIT_EXCEEDEDAPI_ERRORITEM_ERRORASSET_REPORT_ERRORBASE_REPORT_ERRORRECAPTCHA_ERROROAUTH_ERRORPAYMENT_ERROR
error_codestringrequired
The particular error code. Safe for programmatic use.
error_code_reasonstringoptional
The specific reason for the error code. Currently, reasons are only supported for 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.
error_messagestringrequired
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagestringrequired
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.
request_idstringoptional
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarrayoptional
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.
statusintegeroptional
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.
documentation_urlstringoptional
The URL of a Plaid documentation page with more information about the error
suggested_actionstringoptional
Suggested steps for resolving the error
required_account_subtypesarray<string>optional
A list of the account subtypes that were requested via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.
provided_account_subtypesarray<string>optional
A list of the account subtypes that were extracted but did not match the requested subtypes via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.

Error handling

client_user_id is required and must identify the user for whom insights are requested. Provide valid API credentials through the client_id and secret fields or their corresponding headers.