{"article":{"id":14977774399255,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/14977774399255.json","html_url":"https://support.plaid.com/hc/en-us/articles/14977774399255-Does-Plaid-support-subaccounts","author_id":396033157154,"comments_disabled":true,"draft":false,"promoted":false,"position":1,"vote_sum":0,"vote_count":0,"section_id":15991413068951,"created_at":"2023-05-31T22:43:59Z","updated_at":"2026-06-03T17:29:38Z","name":"Does Plaid support subaccounts?","title":"Does Plaid support subaccounts?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-03T17:29:38Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"<p>If your bank account or credit card has multiple card holders, each with their own card, Plaid will not return sub-accounts separately via the <a href=\"https://plaid.com/docs/api/accounts/#accountsget\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/accounts/get</code></a> endpoint, as these accounts are considered to be part of the primary account.</p>\n<p>However, you can use the <a href=\"https://plaid.com/docs/api/products/transactions/#transactions-sync-response-added-account-owner\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">account_owner</code></a> field on transactions returned by <a href=\"https://plaid.com/docs/api/products/transactions/#transactionssync\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/transactions/sync</code></a> (or <a href=\"https://plaid.com/docs/api/products/transactions/#transactionsget\"><code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">/transactions/get</code></a>) to filter for transactions posted to individual sub-accounts. Some more context on this field:</p>\n<ul>\n<li>\n<code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">account_owner</code> is not typically populated, and only relevant when dealing with sub-accounts.</li>\n<li>There isn't a uniform standard for how the <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">account_owner</code> information is formatted. It might be just the last 4 digits, last name and mask, full name, etc. It shows in the format that is sent to us by the bank (e.g. \"O. Winfrey - 0000\", \"Winfrey - 0000\", \"0000\", \"Oprah Winfrey\", or some other format).</li>\n<li>Generally, primary account transactions will have a null <code style=\"border:none;background:#f1f3f5;padding:1px 4px;border-radius:3px;font-size:0.9em;\">account_owner</code> value.</li>\n</ul>\n<p>Our docs provide more info on the <a href=\"https://plaid.com/docs/api/products/transactions/#transactions-get-response-transactions-account-owner\">account owner field</a>.</p>","user_segment_ids":[]}}