Tink
Tink is an open banking platform for businesses that need payment services or enriched financial data.
What Tink is
Tink is an open banking platform for businesses that need payment services or enriched financial data. Its API connects to European banks and financial institutions, and Tink says its network reaches more than 3,000 institutions across Europe. Listed use cases include customer onboarding, account top-ups, invoice settlement, ecommerce, affordability assessment, risk decisions, and consumer engagement. Tink Payments lets end users authenticate and initiate bank payments and transfers. Data Enrichment categorizes transactions, detects recurring activity, and forecasts upcoming transactions. Risk Signals examines account data, live balances, transaction history, and payment velocity to help manage account-to-account payment risk. Developers can work with a single API integration, SDKs, guides, API references, and sample projects. A free account provides a sandbox for trying products with test data before upgrading to Enterprise. Tink states its systems meet SOC 2 Type II requirements for Security and Availability, and customers can use ready-made authentication flows under its PSD2 license.
Good
- Payment initiation and bank transfers.
- Transaction categorization and recurring-activity detection.
- Risk Signals checks balances, history, and payment velocity.
- Free sandbox account with test data.
- Connections to more than 3,000 European institutions.
Watch out
- Four background data refreshes every 24 hours.
- Guaranteed support response times are not included without Enterprise agreement.
Who it suits
Tink suits businesses building banking connections, payment flows, or financial data features for European users. Developers can use its API, SDKs, guides, and sandbox to explore those services.
Verdict
Tink combines bank connectivity, payments, data enrichment, and risk checks for business applications. Its sandbox allows evaluation with test data, while pricing and some support terms require an Enterprise discussion.
Plans and prices
From Tink's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Enterprise | Priced on request | Custom pricing · Tink or your own license · tailored offering · premium support · guaranteed response and resolution times available |
| Standard | Priced on request | Personal accounts · current, savings and credit card accounts · Tink's license · guaranteed response and resolution times not included |
The facts
Each one read from Tink's own pages, with the date it was checked.
What it does
- Availability
- Tink says it serves 19 European markets and operates from 13 offices.checked 8 Oct 2026
- Connectivity
- Tink says its API provides access to financial data through connections to European banks and financial institutions.checked 8 Oct 2026
- Data enrichment
- Data Enrichment includes transaction categorisation, recurring transaction detection, and forecasts of upcoming transactions.checked 8 Oct 2026
- Developer tools
- Tink offers a single API integration, SDKs, developer guides, API references, and sample projects.checked 8 Oct 2026
- Integrations
- Tink says its platform connects to more than 3,000 banks and financial institutions across Europe.checked 8 Oct 2026
- License
- Tink says customers can use its ready-made authentication flows under Tink’s PSD2 license.checked 8 Oct 2026
- Limits
- The FAQ says Tink provides four background data refreshes every 24 hours.checked 8 Oct 2026
- Payments
- Tink Payments lets end users authenticate and initiate payments and transfers from their bank accounts.checked 8 Oct 2026
- Product
- Tink is an open banking platform offering payment services and financial data enrichment to businesses.checked 8 Oct 2026
- Risk checks
- Risk Signals checks account data, live balances, transaction history, and payment velocity to help monitor and manage account-to-account payment risk.checked 8 Oct 2026
- Security
- Tink states that its systems are SOC 2 Type II compliant for the Security and Availability Trust Service Criteria.checked 8 Oct 2026
- Support
- Enterprise customers can contact support through the support portal at any time, while Tink does not guarantee response or resolution times for customers without an Enterprise agreement.checked 8 Oct 2026
- Use cases
- Tink lists customer onboarding, account top-ups, invoice settlement, ecommerce, income and affordability assessment, risk decisioning, and consumer engagement as use cases.checked 8 Oct 2026
The company
- Founded
- 2012checked 28 Sep 2026
- Headquarters
- Stockholm, Swedenchecked 28 Sep 2026
Money
- Free sandbox
- A free account lets users try Tink products with test data in a sandbox environment before upgrading to an Enterprise account.checked 8 Oct 2026
Alternatives to Tink
- 1
Trovata TMS
AndroidiOSWebAPI7.3From $24,000 a year - 2
CAMSfinserv Account Aggregator
Free planAndroidWebAPI7.1Free plan - 3
MX
Free planAndroidiOSWebAPI7.0Free plan - 4
Salt Edge Data Aggregation
AndroidiOSWebAPI6.9 - 5
TrueLayer Data API
Free planAndroidiOSWebAPI6.9Free plan - 6
Brankas
AndroidiOSWebAPI6.8