Way to not use a real bank account to test plaid integrations

Question

This may be a stupid question, but I'm trying to figure out a way to develop an application that integrates with Plaid's API without using a real bank account to test it. I'm not a US citizen and therefore I do not have a real bank account on the banks Plaid supports.

Is there a way to make this kind of testing without having a real bank account?

Answer 1

For this authentication API https://tartan.plaid.com/auth you can use following test credentials : 'client_id=test_id,secret=test_secret,username=plaid_test,password=plaid_good,type=wells'

As given in documentation of integrating Plaid API into your Application,you can use this test credentials for testing purpose.

Follow this link for more information about it https://plaid.com/docs/api/#add-auth-user

Answer 2

For sandbox mode, you can test with following details in plaid

currently in Sandbox mode. Credentials »

username: user_good

password: pass_good

Docs

Answer 3

This question may be old but there is an updated way of accomplishing this. When working in the sandbox environment, the option now also exists to have flexible item configurations and realistic-looking data. By using the user_custom and a json password that conforms to a schema.

For example
username: user_custom
password:

{
  "override_accounts": [
    {
      "type": "depository",
      "subtype": "checking",
      "transactions": [
        {
          "date_transacted": "2019-10-01",
          "date_posted": "2019-10-03",
          "currency": "USD",
          "amount": 100,
          "description": "1 year Netflix subscription"
        },
        {
          "date_transacted": "2019-10-01",
          "date_posted": "2019-10-02",
          "currency": "USD",
          "amount": 100,
          "description": "1 year mobile subscription"
        }
      ]
    }
  ]
}