---
title: "Retrieve a user's transfer limits"
method: POST
path: "/user/transfer/limits/get"
tags: ["plaid"]
---

# Retrieve a user's transfer limits

`POST /user/transfer/limits/get`

## Request

- Base URL: `https://production.plaid.com`
- URL: `https://production.plaid.com/user/transfer/limits/get`
- Auth: API key in header `PLAID-CLIENT-ID` and API key in header `PLAID-SECRET` and API key in header `Plaid-Version`
- TypeScript: <https://skmtc.dev/plaid/apis/the-plaid-api/docs/user/transfer/limits/get/post.ts> (a function with typed inputs; its response is checked against the schema)

Retrieve the user's current Guaranteed ACH per-transaction limit and configured daily, weekly, and monthly ceilings. Amounts are returned as decimal strings in dollars with two decimal places and an ISO currency code. Access to this endpoint must be enabled for your client.

## Request body

- UserTransferLimitsGetRequest: UserTransferLimitsGetRequest defines the request schema for `/user/transfer/limits/get`.
  - `client_id` string: 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.
  - `secret` string: 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.
  - `user_id` string, required: A unique user identifier, created by `/user/create`. Integrations that began using `/user/create` after December 10, 2025 use this field to identify a user instead of the `user_token`. For more details, see [New User APIs](https://plaid.com/docs/api/users/user-apis).

## Response `200`

OK

- UserTransferLimitsGetResponse: UserTransferLimitsGetResponse defines the response schema for `/user/transfer/limits/get`.
  - `guarantee_limits` UserGuaranteeLimits, required: The user's Guaranteed ACH debit limits. Daily, weekly, and monthly limits are configured ceilings, not remaining capacity. Each rolling limit is `null` when no ceiling is enabled for that window.
    - `transaction_limit` object, required: The user's current per-transaction guarantee limit. A zero-dollar limit is returned with a value of `"0.00"`.
      - `value` string, required: The limit in dollars, formatted as a decimal string with two digits of precision (for example, `"150.25"` represents $150.25).
      - `iso_currency_code` string, required: The ISO-4217 currency code of the limit. Currently always `USD`.
    - `daily_limit` UserTransferLimitAmountNullable, nullable, required: A transfer limit amount and its currency.
      - `value` string, required: The limit in dollars, formatted as a decimal string with two digits of precision (for example, `"150.25"` represents $150.25).
      - `iso_currency_code` string, required: The ISO-4217 currency code of the limit. Currently always `USD`.
    - `weekly_limit` UserTransferLimitAmountNullable, nullable, required: A transfer limit amount and its currency.
      - `value` string, required: The limit in dollars, formatted as a decimal string with two digits of precision (for example, `"150.25"` represents $150.25).
      - `iso_currency_code` string, required: The ISO-4217 currency code of the limit. Currently always `USD`.
    - `monthly_limit` UserTransferLimitAmountNullable, nullable, required: A transfer limit amount and its currency.
      - `value` string, required: The limit in dollars, formatted as a decimal string with two digits of precision (for example, `"150.25"` represents $150.25).
      - `iso_currency_code` string, required: The ISO-4217 currency code of the limit. Currently always `USD`.
  - `request_id` string, required: A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default`: Error response

## Changes

- **2026-10-30** `0914d0967739`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/plaid/apis/the-plaid-api/changes/user/transfer/limits/get/post.md)

---

[API](https://skmtc.dev/plaid/apis/the-plaid-api.md) - [All operations](https://skmtc.dev/plaid/apis/the-plaid-api/llms.txt) - [OpenAPI document](https://skmtc.dev/plaid/apis/the-plaid-api/revisions/ef42469087e2?raw)