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429OpenAI· Quota & billing

OpenAI “You exceeded your current quota” (insufficient_quota)

You exceeded your current quota, please check your plan and billing details
Quick answer

Despite the 429 status, this is a billing problem, not a rate limit: your account has no usable credit. Either billing isn’t set up, prepaid credits ran out, or a spend limit was reached.

What causes it

How to fix it

  1. Add a payment method and confirm billing is active in the provider dashboard.
  2. Top up prepaid credits, or raise your monthly budget / spend limit.
  3. Check you’re using the right project/organization key — quota is per-project.
  4. Confirm the key isn’t a lapsed free-trial key.
Running an agent?

If an always-on agent suddenly stops, this is the usual cause — background calls quietly drained the credits overnight.

The permanent fix

Stop hitting this entirely

There’s no per-token quota to run out of on Standard Compute. It’s one flat monthly price with unlimited compute, so an agent never dies mid-run because the credits hit zero.

Get a free API key →How it connects →

FAQ

Why is it a 429 if it’s a billing problem?

OpenAI reuses the 429 status for insufficient_quota. The error type and message — “exceeded your current quota” — tell you it’s billing, not a per-minute rate limit. Retrying won’t help; you need credit.

I just added a card and still get it — why?

Billing changes can take a few minutes to propagate, and a brand-new card sometimes needs a small initial credit purchase before requests succeed.

Related errors

OpenAI monthly usage / billing hard limit reachedOpenAI · 429“Quota exceeded — please use your own API key” explainedAgent / appOpenAI “Rate limit reached for requests” (429)OpenAI · 429