> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Plaid - Canada (CA)

> Bank-data aggregator - Canada - access route, data references, and integration requirements.

> [!NOTE]
>
> **Active (Beta).** This integration is available in beta. Coverage depends on market, product, and account permissions. [View integration status](https://docs.amlok.io/integrations/status.md).

| Property | Definition |
| - | - |
| Provider ID | BANK-02 |
| Integration status | Active (Beta) |
| Category | Bank Integrations |
| Product type | Bank-data aggregator - Canada |
| Evidence reviewed | 2026-10-22 |

## Integration approach

Plaid Link plus server APIs for Canadian institutions. Country matrix lists Transactions, Balance, Auth, Identity, Assets and Income; Liabilities has limited coverage. Plaid Check / Partner Insights is not listed for Canada. Validate institution, product and business-account coverage.

## Access and approval

Full Production: a few business days after company and use-case review, per Plaid; not a guaranteed SLA. Eligible US/CA Trial applications are usually auto-approved; manual-review follow-up is 2–3 business days. Trial is limited; paid products and institution permissions require the relevant access.

**Documentation availability:** Public API reference, SDKs, Link guides and Sandbox. Canadian coverage can be checked through the Institutions API.

## Data refresh

**Provider update cadence:** Typically 1-4 transaction updates per day.

Plaid typically checks transactions 1-4 times daily, depending on the institution. The `SYNC_UPDATES_AVAILABLE` webhook signals changes that can be retrieved with `/transactions/sync`.

On-demand `/transactions/refresh` requires the separately enabled add-on and supported accounts. Reading cached data does not refresh the bank connection. Timing varies by institution and connection health.

**AMLOK synchronization:** The enabled refresh mode and schedule are agreed for your connection. Provider timing describes upstream capability; allow for retrieval and processing before changes appear in AMLOK. See [data refresh and freshness](https://docs.amlok.io/integrations/data-refresh.md).

Provider references: [Plaid Transactions API](https://plaid.com/docs/api/products/transactions/).

## Data reference

Open a resource to review its field definitions. Available fields depend on the connected product, account permissions, and source data.

| Resource |
| - |
| [bank\_account](https://docs.amlok.io/data-model/field-dictionary.md#bank-account) |
| [account\_balance](https://docs.amlok.io/data-model/field-dictionary.md#account-balance) |
| [bank\_transaction](https://docs.amlok.io/data-model/field-dictionary.md#bank-transaction) |

## Coverage conditions

| Property | Definition |
| - | - |
| Country / deployment conditions | Canada; do not infer US-only Plaid Check availability. |
| History | Up to 24 months (730 days) of bank transaction history at initial connection. Available history can grow while the account remains connected; institution-specific coverage applies. [Provider reference](https://plaid.com/docs/transactions/). |
| Refresh | Typically 1-4 transaction updates per day. [Details](#data-refresh). |
| Commercial / use rights | Client permission and applicable commercial use rights required. |

## Documented field mappings

These mappings show how source fields relate to normalized AMLOK fields. Review the source conditions for each mapping.

| Mapping | Source field | AMLOK target |
| - | - | - |
| [M001](https://docs.amlok.io/data-model/field-mappings.md#m001) | `accounts[].account_id` | `bank_account.source_account_id` |
| [M002](https://docs.amlok.io/data-model/field-mappings.md#m002) | `accounts[].name` | `bank_account.name` |
| [M003](https://docs.amlok.io/data-model/field-mappings.md#m003) | `accounts[].official_name` | `bank_account.official_name` |
| [M004](https://docs.amlok.io/data-model/field-mappings.md#m004) | `accounts[].mask` | `bank_account.mask` |
| [M005](https://docs.amlok.io/data-model/field-mappings.md#m005) | `accounts[].type` | `bank_account.account_type` |
| [M006](https://docs.amlok.io/data-model/field-mappings.md#m006) | `accounts[].subtype` | `bank_account.account_subtype` |
| [M007](https://docs.amlok.io/data-model/field-mappings.md#m007) | `accounts[].balances.current` | `account_balance.current.amount` |
| [M008](https://docs.amlok.io/data-model/field-mappings.md#m008) | `accounts[].balances.available` | `account_balance.available.amount` |
| [M009](https://docs.amlok.io/data-model/field-mappings.md#m009) | `accounts[].balances.limit` | `account_balance.credit_limit.amount` |
| [M010](https://docs.amlok.io/data-model/field-mappings.md#m010) | `accounts[].balances.iso_currency_code` | `account_balance.current.currency` |
| [M011](https://docs.amlok.io/data-model/field-mappings.md#m011) | `accounts[].balances.last_updated_datetime` | `account_balance.as_of` |
| [M012](https://docs.amlok.io/data-model/field-mappings.md#m012) | `item.institution_id` | `connection.institution_id` |
| [M013](https://docs.amlok.io/data-model/field-mappings.md#m013) | `added[].transaction_id` | `bank_transaction.source_transaction_id` |
| [M014](https://docs.amlok.io/data-model/field-mappings.md#m014) | `added[].account_id` | `bank_transaction.account_id` |
| [M015](https://docs.amlok.io/data-model/field-mappings.md#m015) | `added[].amount` | `bank_transaction.amount.amount` |
| [M016](https://docs.amlok.io/data-model/field-mappings.md#m016) | `added[].amount` | `bank_transaction.direction` |
| [M017](https://docs.amlok.io/data-model/field-mappings.md#m017) | `added[].iso_currency_code` | `bank_transaction.amount.currency` |
| [M018](https://docs.amlok.io/data-model/field-mappings.md#m018) | `added[].date` | `bank_transaction.posted_on` |
| [M019](https://docs.amlok.io/data-model/field-mappings.md#m019) | `added[].authorized_date` | `bank_transaction.authorized_on` |
| [M020](https://docs.amlok.io/data-model/field-mappings.md#m020) | `added[].name` | `bank_transaction.description` |
| [M021](https://docs.amlok.io/data-model/field-mappings.md#m021) | `added[].merchant_name` | `bank_transaction.merchant_name` |
| [M022](https://docs.amlok.io/data-model/field-mappings.md#m022) | `added[].pending` | `bank_transaction.status` |
| [M023](https://docs.amlok.io/data-model/field-mappings.md#m023) | `added[].pending_transaction_id` | `bank_transaction.pending_transaction_id` |
| [M024](https://docs.amlok.io/data-model/field-mappings.md#m024) | `added[].payment_channel` | `bank_transaction.payment_channel` |
| [M025](https://docs.amlok.io/data-model/field-mappings.md#m025) | `added[].personal_finance_category.detailed` | `bank_transaction.source_category` |
| [M026](https://docs.amlok.io/data-model/field-mappings.md#m026) | `removed[].transaction_id` | `common.deleted_at` |

## Provider documentation

* [plaid.com/docs](https://plaid.com/docs/)
* [plaid.com/docs/institutions](https://plaid.com/docs/institutions/)
* [support.plaid.com/hc/en-us/articles/27895826947735-What-Plaid-products-are-supported-in-each-country-and-region](https://support.plaid.com/hc/en-us/articles/27895826947735-What-Plaid-products-are-supported-in-each-country-and-region)
* [support.plaid.com/hc/en-us/articles/16110110883479-How-are-Sandbox-Production-Trial-plan-and-Limited-Production-different](https://support.plaid.com/hc/en-us/articles/16110110883479-How-are-Sandbox-Production-Trial-plan-and-Limited-Production-different)
* [support.plaid.com/hc/en-us/articles/39994173227159-What-is-the-Plaid-Trial-plan](https://support.plaid.com/hc/en-us/articles/39994173227159-What-is-the-Plaid-Trial-plan)

## Related model reference

* [Provider coverage](https://docs.amlok.io/data-model/provider-coverage.md#bank-02)
* [Resource coverage](https://docs.amlok.io/data-model/resource-coverage.md#bank-02)
* [Field dictionary](https://docs.amlok.io/data-model/field-dictionary.md)


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