Softwr

Accounting · head to head

Hnry vs Plaid

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
Rated
-
Full reviewWebsite
Plaid logo

Plaid

Accounting

The safer way to connect financial accounts

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; Plaid no dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hnry and Plaid actually diverge.

Attributes where Hnry and Plaid differ
AttributeHnryPlaid
Starting price1/per $100 income$29/month
PlatformsWebApi, Web, Ios, Android
FoundedUnknown2013

Identical on both: pricing model (usage-based), free tier (No), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Hnry

Nothing recorded that Plaid does not also cover.

Only in Plaid

  • Bank account linking
  • Transaction data
  • Identity verification
  • Income verification
  • Asset reports
  • Venmo
  • Robinhood
  • Coinbase

What people use each for

The jobs each tool is most often brought in to do.

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Plaid
  • Logging expenses via photo instantlynot Plaid
  • Sending unlimited invoices with auto-follow-upnot Plaid
  • Automatically withholding income taxes year-roundnot Plaid

Plaid

  • Connecting bank accounts to an application for balances and transactionsnot Hnry
  • Verifying account ownership and income for payments or lendingnot Hnry

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Hnry

  • Service limited to self-employed sole traders in New Zealand only
  • 1% + GST fee with $1,500 annual maximum cap
  • Minimum $0.50 fee per transaction for payments under $50

Plaid

  • No dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Three different billing models apply depending on the product, being one time per connected account, monthly per connected account, and per successful API call
  • That mix means total cost depends on which products are combined rather than on a single unit
  • Discounted rates require the Growth plan, which is a 12 month commitment

Pricing, plan by plan

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

Plaid

$29/month
  • Pay-as-you-goFree
    • Bank connections
    • Transaction data
    • Account verification

Which should you pick?

Choose Hnry if

Nothing in the data separates Hnry from Plaid on the points above - pick on price and on how each one feels to use.

Hnry review

Choose Plaid if

  • You need bank account linking.
  • You work on Api, Web, Ios, Android.
  • You also want transaction data.
Plaid review

Questions people ask

Is Hnry or Plaid better?
Neither clearly leads. Hnry starts at 1/per $100 income and Plaid at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Plaid?
Hnry starts at 1/per $100 income and Plaid at $29/month.
Does Hnry or Plaid run on more platforms?
Hnry runs on Web. Plaid runs on Api, Web, Ios, Android.
What is Hnry best used for?
Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Plaid is typically brought in for.
What can Hnry do that Plaid cannot?
Plaid covers Bank account linking, Transaction data, Identity verification, Income verification.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

Source
Plaid: How much does Plaid cost?

Plaid does not publish per request rates. It offers Pay as You Go with no upfront commitment, a Growth plan on a 12 month commitment with discounts, and a Custom plan priced on volume. Figures come from its sales team.

Source
Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

Source
Plaid: How does Plaid bill for its products?

Plaid uses three billing shapes: one time fee products charged once per connected account, subscription products charged monthly per connected account, and per request products charged a flat fee for every successful API call.

Source
Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

Source
Plaid: Can I test Plaid for free?

Yes. Plaid's Limited Production service allows up to 200 API calls with each available product using live data, before any commitment. Plaid is also free for the consumers whose accounts are connected.

Source
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