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Lunch Flow Platform API
What Lunch Flow Platform API is
Lunch Flow Platform API lets developers add financial-account connectivity to their own products. An integration can register users, guide them through an OAuth bank connection, and then read accounts, transactions, balances, and holdings on the server. The API combines bank, brokerage, and investment information in one normalized schema and routes connections to regional aggregators. Lunch Flow describes coverage in more than 30 countries; its coverage page lists over 25,000 banks, brokerages, and credit unions across more than 40 countries, using providers such as MX, GoCardless, Finicity, SnapTrade, and Pluggy. Connections are read-only, so they cannot transfer money, make payments, or alter account settings. Data is encrypted with AES-256, and Lunch Flow says it does not see bank passwords or full account numbers. Developers can pay by usage or have end users pay, without a $2K/month minimum before users arrive. The platform is available through web and API access, with tokens expiring after one hour and renewable through refresh tokens. Pricing starts at $2.92/mo with a seven-day trial; there is no free plan.
Who it suits
It suits developers embedding multi-asset financial data, account connections, and investment information in products. Teams needing regional aggregation, OAuth linking, or custom payment responsibility can use its API.
What it does well
- Coverage spans 30+ countries
- 25,000+ listed financial institutions
- Unified schema for bank and investment data
- Read-only connections limit account actions
- AES-256 encryption and limited credential access
What to know first
- No free plan
- Access tokens expire after one hour
- Developer and team pricing is custom
- Connections cannot make payments or transfers
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Individual | billed monthly · 4 connections · $1.00 per additional connection | $5.49 a month |
| Individual | billed annually · 2 connections · $10.00 per additional connection | $34.99 a year |
| Developers & teams | 30+ countries coverage | On request |
| For individuals (annual) | $34.99 billed annually · 2 connections included · $10.00 per extra · daily automatic syncs · unlimited destinations | $34.99 a year |
| For individuals (monthly) | $5.49/month · 4 connections included · $1.00 each additional connection | $5.49 a month |
| For developers & teams | Custom · RESTful API with OAuth connect flow · banks and investments in one schema · 30+ countries coverage · dedicated support | On request |
As lunchflow.app lists them, read 20 Sept 2026. The maker's own page has the final word.
Verdict
Lunch Flow Platform API offers broad financial connectivity with normalized, read-only data and several integration choices. It is paid, with usage-based payment or end-user billing and a seven-day trial.
Facts from Lunch Flow Platform API's own pages
- Account data
- The API can provide accounts, transactions, balances, and holdings after a user links a bank. · lunchflow.app, 7 Oct 2026
- API pricing model
- The site says developers can pay per usage or let end users pay directly, with no $2K/month minimum before they have users. · lunchflow.app, 7 Oct 2026
- Community integrations
- Lunch Flow says third-party community integrations are maintained by their makers and are not endorsed or supported by Lunch Flow. · lunchflow.app, 7 Oct 2026
- Coverage
- Lunch Flow says its API provides bank and investment connectivity across 30+ countries. · lunchflow.app, 7 Oct 2026
- Institution coverage
- The coverage page lists 25,000+ banks, brokerages, and credit unions across 40+ countries, connected through providers including MX, GoCardless, Finicity, SnapTrade, and Pluggy. · lunchflow.app, 7 Oct 2026
- Integration flow
- Developers can register users, direct them through an OAuth bank connection, and access their data server-side. · lunchflow.app, 7 Oct 2026
- Integrations
- Official destinations include Lunch Money, Actual Budget, Google Sheets, YNAB, MCP, CSV/OFX export, and the REST API. · lunchflow.app, 7 Oct 2026
- Maker
- The story page is signed by Amr Awad, who says he created Lunch Flow after seeking better multi-currency financial management tools. · lunchflow.app, 7 Oct 2026
- Normalized data
- The API normalizes banks, brokerages, and investment platforms into one schema and routes to aggregators by region. · lunchflow.app, 7 Oct 2026
- Payment options
- The platform API supports either having end users pay the subscription or having the integrating business pay for it. · lunchflow.app, 7 Oct 2026
- Purpose
- The Platform API lets developers embed financial data in their own product, register users, connect bank accounts, and read transactions, balances, and holdings. · lunchflow.app, 7 Oct 2026
- Read-only access
- Lunch Flow says its bank connections can read data but cannot make transfers or payments or change account settings. · lunchflow.app, 7 Oct 2026
- Security
- The security guide says data is encrypted with AES-256 and that Lunch Flow never sees bank passwords or receives full account numbers. · lunchflow.app, 7 Oct 2026
- Support
- The Platform API documentation directs users with questions or issues to [email protected]. · lunchflow.app, 7 Oct 2026
- Token lifetime
- Platform API access tokens expire after one hour and can be renewed using a refresh token. · lunchflow.app, 7 Oct 2026
Where Lunch Flow Platform API stands on Freedom251
- Bank Connectivity Software#22 of 71
- Financial Data APIs#18 of 28