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 /accounts/get endpoint, as these accounts are considered to be part of the primary account.
However, you can use the account_owner field from the /transactions/get endpoint to filter for transactions posted to individual sub-accounts. Some more context on this field:
account_owneris not typically populated, and only relevant when dealing with sub-accounts.- sub-account transactions will reflect the sub-account holder’s name in the
account_ownerfield. - generally, primary account transactions will have a null
account_ownervalue.
Our docs provide more info on the account owner field.