Tink
Stockholm, Sweden
What it is
Tink is a paid open banking platform that provides payment services and financial data enrichment for businesses. Its API connects to European banks and financial institutions, with Tink stating coverage of more than 3,000 institutions across Europe. Use cases include customer onboarding, account top-ups, invoice settlement, ecommerce, income and affordability assessment, risk decisions, and consumer engagement. Tink Payments lets users authenticate and initiate bank-account payments and transfers. Data Enrichment categorizes transactions, detects recurring activity, and forecasts upcoming transactions. Risk Signals examines account data, balances, transaction history, and payment velocity for account-to-account payment risk. Developers receive a single API integration, SDKs, guides, references, and sample projects. A free account provides a sandbox with test data before an Enterprise upgrade. Tink states SOC 2 Type II compliance for Security and Availability and offers ready-made authentication flows under its PSD2 license. It serves 19 European markets from 13 offices. The platform is available through API and web, with pricing on request.
For and against
For
- Connections to 3,000+ European institutions
- Payment initiation and transfers
- Transaction categorization and recurring detection
- Free sandbox account with test data
- REST API, SDKs, and developer guides
Against
- Paid service with pricing on request
- Four background refreshes per 24 hours
- Guaranteed support times require Enterprise
- European market coverage is specified
The verdict
Tink combines bank connectivity, payment initiation, enrichment, and risk analysis through developer-focused tools. Its free sandbox supports evaluation, while production access and guaranteed support depend on paid arrangements.
Who it suits
Tink suits businesses building payment flows or financial-data products for European markets. It is relevant to teams needing enrichment, risk signals, bank connectivity, and developer tooling.
Plans and prices
Enterprise
Custom pricing · Tink or your own license · tailored offering · premium support
Read 8 Oct 2026 · tink.com
Standard
Personal accounts · current, savings and credit card accounts · Tink's license · guaranteed response and resolution times not included
Read 8 Oct 2026 · tink.com
On the record
- Availability
- Tink says it serves 19 European markets and operates from 13 offices.tink.com · read 8 Oct 2026
- Connectivity
- Tink says its API provides access to financial data through connections to European banks and financial institutions.tink.com · read 8 Oct 2026
- Data enrichment
- Data Enrichment includes transaction categorisation, recurring transaction detection, and forecasts of upcoming transactions.tink.com · read 8 Oct 2026
- Developer tools
- Tink offers a single API integration, SDKs, developer guides, API references, and sample projects.tink.com · read 8 Oct 2026
- Free sandbox
- A free account lets users try Tink products with test data in a sandbox environment before upgrading to an Enterprise account.tink.com · read 8 Oct 2026
- Integrations
- Tink says its platform connects to more than 3,000 banks and financial institutions across Europe.tink.com · read 8 Oct 2026
- License
- Tink says customers can use its ready-made authentication flows under Tink’s PSD2 license.tink.com · read 8 Oct 2026
- Limits
- The FAQ says Tink provides four background data refreshes every 24 hours.tink.com · read 8 Oct 2026
- Payments
- Tink Payments lets end users authenticate and initiate payments and transfers from their bank accounts.tink.com · read 8 Oct 2026
- Product
- Tink is an open banking platform offering payment services and financial data enrichment to businesses.tink.com · read 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.tink.com · read 8 Oct 2026
- Security
- Tink states that its systems are SOC 2 Type II compliant for the Security and Availability Trust Service Criteria.tink.com · read 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.tink.com · read 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.tink.com · read 8 Oct 2026
