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Exchangerate.host vs Plaid API

Same instrument, two spec sheets — measured, not claimed.

APIExchangerate.hostNEW—Plaid APINEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
AuthnoneapiKey
CORSyesyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — limits not publishedFree tier — API key required
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Exchangerate.host vs Plaid API: common questions

Which is more reliable, Exchangerate.host or Plaid API?

On our scheduled checks, Plaid API leads on measured uptime — Exchangerate.host at —% versus Plaid API at —% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Do Exchangerate.host and Plaid API need an API key?

Exchangerate.host needs no key, while Plaid API requires a free API key. If you want to start calling without signup, reach for Exchangerate.host first.

Can I call Exchangerate.host and Plaid API from the browser?

Yes — both Exchangerate.host and Plaid API send CORS headers over HTTPS, so front-end code can fetch either directly with no backend proxy. That makes them easy to swap in a client-side app while you compare responses.

Are Exchangerate.host and Plaid API free for commercial use?

Exchangerate.host has unclear commercial terms, and Plaid API has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.