# Personal use: read your own data with Meu Pluggy

If you are an individual who wants to read **your own** bank accounts with code — a personal finance script, a spreadsheet, an app only you use — the path is **Meu Pluggy** plus the **MeuPluggy connector**. It is free, needs no due diligence and does not expire with the trial. It is for personal use only (up to 5 connections, no commercial use).

Companies building a product for their users follow the regular integration instead ([Quick start](/docs/quickstart)) and talk to [Sales](/docs/get-started/contact).

The official guide from Meu Pluggy is at [meu.pluggy.ai/api-guide](https://meu.pluggy.ai/api-guide). This page shows the same four steps with the Pluggy Dashboard screens.

## Step 1 — Connect your banks in Meu Pluggy

Sign up at [meu.pluggy.ai](https://meu.pluggy.ai) and connect your banks there. This is where each bank is authorized (CPF, the bank's app, approval). **Each bank is authorized separately**, and a bank you add later needs its own authorization.

## Step 2 — Add the MeuPluggy connector in the Dashboard

1. Sign in to the [Pluggy Dashboard](https://dashboard.pluggy.ai) **with the same account** you use in Meu Pluggy.
2. If you use a custom connector selection, make sure **MeuPluggy** is switched on: **Customization → Connectors**, search `MeuPluggy` and open the **Direct Connectors** tab of the *Personal* group ([how](/docs/guides/dashboard-connectors#1-choose-which-connectors-pluggy-connect-shows)).
3. Open **Applications → your application → Demo** and click **Connect Account**.
4. In the widget, choose **MeuPluggy** — not your bank, and not the Sandbox — and sign in with your Meu Pluggy account.

![Choosing the MeuPluggy connector in Pluggy Connect](/docs/images/dashboard/meupluggy-connector.png)

Each bank you connected in Meu Pluggy becomes an **item** in this application. These items mirror the Meu Pluggy connection: they reflect every update automatically (Meu Pluggy refreshes every 24 hours), they cannot be updated manually, and they send webhooks like any item.

<Callout variant="warning" title="The most common mistake">
If the Dashboard asks for your CPF and a bank approval again, you picked the bank's own connector instead of **MeuPluggy**. Go back and choose MeuPluggy.
</Callout>

## Step 3 — Copy the itemId and your credentials

- **itemId:** on the same **Demo** page, click the item in **Connected Items** and copy its id ([how](/docs/guides/dashboard-connectors#3-find-the-itemid)). Keep it — `GET /v2/items` is not available for Meu Pluggy accounts.
- **Client ID / Client Secret:** in **Applications**, on your application's row ([how](/docs/guides/dashboard-connectors#4-client-id-and-client-secret)).

## Step 4 — Read your data

```bash
# 1. Exchange your credentials for an API key
curl -X POST https://api.pluggy.ai/auth \
  -H "Content-Type: application/json" \
  -d '{"clientId": "<client id>", "clientSecret": "<client secret>"}'
# → { "apiKey": "..." }

# 2. List the accounts of one connection
curl "https://api.pluggy.ai/accounts?itemId=<item id>" \
  -H "X-API-KEY: <api key>"

# 3. Transactions of one account (its id comes from step 2)
curl "https://api.pluggy.ai/transactions?accountId=<account id>" \
  -H "X-API-KEY: <api key>"
```

The SDKs ([Node, Python and more](/docs/developer-tools/server-sdks)) make the same calls.

## Testing without real data

To try the flow without your own accounts, use the **Sandbox** connector with its [test credentials](/docs/guides/sandbox). Your Meu Pluggy connection is real data, never a sandbox.

## Questions

Questions about personal use go to the community on Discord: [discord.com/invite/EanrwJADby](https://discord.com/invite/EanrwJADby).