S
About
Tink is a comprehensive open banking platform and Visa solution trusted by some of Europe's most prominent financial institutions, fintechs, and enterprises. Through a single unified API, Tink provides access to over 6,000 bank and financial institution connections across Europe, enabling businesses to retrieve, enrich, and act on real-time financial data at scale. The platform's core capabilities include financial data enrichment and categorisation — transforming raw transaction data into actionable insights — as well as account-to-account (Pay by Bank) payment infrastructure that enables instant, PSD2-compliant payments. Businesses can use Tink to power responsible lending decisions, streamline KYC/KYB processes, improve personal finance management tools, and build seamless payment experiences. Tink is used across a wide range of verticals including digital banking, lending, payments, personal finance management, and accounting. Customers such as Adyen, Revolut, Younited, and Bank Norwegian rely on Tink to unlock open banking data and accelerate product innovation without building complex bank integrations in-house. As a regulated and PSD2-compliant platform, Tink abstracts the regulatory and technical complexity of open banking, allowing product and engineering teams to focus on building user-facing features rather than maintaining direct bank connections. Its data enrichment layer provides categorised transaction data, income verification, and financial health scoring — making it particularly valuable for lenders and credit decisioning platforms across Europe.
Key Features
- 6,000+ European Bank Connections: Connect to over 6,000 banks and financial institutions across Europe through a single, unified API — eliminating the need to build and maintain individual bank integrations.
- Financial Data Enrichment & Categorisation: Transform raw transaction data into enriched, categorised insights including merchant identification, income detection, and spending patterns for smarter financial products.
- Account-to-Account Payments (Pay by Bank): Enable instant, PSD2-compliant account-to-account payments directly from a user's bank account, providing a seamless alternative to card-based payments.
- Income & Affordability Verification: Verify income, assess affordability, and support responsible lending decisions in real time using live bank data, accelerating credit decisioning at scale.
- Single Unified API: Access all payment and data services through one standardised API, reducing integration complexity and time-to-market for financial product teams.
Use Cases
- A lending platform integrates Tink's income verification and affordability checks to make instant, responsible credit decisions without requiring manual document uploads from applicants.
- A neobank embeds Tink's data enrichment layer to provide customers with automatic transaction categorisation and personalised spending insights within their mobile app.
- An e-commerce checkout integrates Tink's Pay by Bank solution to offer customers a seamless, card-free account-to-account payment option at the point of sale.
- A personal finance management app uses Tink's API to aggregate all of a user's accounts from different banks into a single dashboard, providing a unified view of their financial life.
- A B2B payments provider uses Tink's open banking connections to streamline vendor payouts and automate reconciliation across multiple European markets through a single integration.
Pros
- Unmatched European Bank Coverage: With 6,000+ connections, Tink offers one of the broadest open banking networks in Europe, reducing integration effort across markets significantly.
- Trusted by Industry Leaders: Adopted by major players like Revolut, Adyen, and Bank Norwegian, demonstrating strong reliability, compliance, and enterprise-grade scalability.
- End-to-End Financial Data Stack: Combines raw data access, enrichment, categorisation, and payments in a single platform, reducing the need for multiple third-party vendors.
- PSD2-Compliant & Regulated: Built on a fully regulated open banking framework, Tink abstracts all compliance complexity so businesses can operate confidently across EU markets.
Cons
- Europe-Only Coverage: Tink's bank connections are focused exclusively on European markets, making it unsuitable for businesses that require global open banking coverage.
- Enterprise-Oriented Pricing: Pricing is not publicly listed and requires direct sales engagement, which can be a barrier for smaller startups or companies with limited budgets.
- B2B Platform — Not a Consumer Product: Tink is designed for developers and enterprises building financial products, and is not directly accessible as a standalone consumer-facing application.
Frequently Asked Questions
What is Tink and who owns it?
Tink is a European open banking platform acquired by Visa. It provides businesses with API access to 6,000+ bank connections across Europe, along with financial data enrichment and payment infrastructure.
What countries and banks does Tink support?
Tink operates across Europe with connections to over 6,000 banks and financial institutions. Coverage spans major markets including the UK, Germany, France, Sweden, the Netherlands, and many more EU countries.
What can I build with the Tink API?
You can build a wide range of financial products including personal finance management apps, credit decisioning and lending tools, Pay by Bank payment flows, income verification, KYC/KYB processes, and financial health dashboards.
Is Tink PSD2 compliant?
Yes. Tink is a fully regulated open banking platform that operates in compliance with PSD2 and relevant EU financial regulations, handling all the regulatory complexity on behalf of its clients.
How does Tink's data enrichment work?
Tink enriches raw bank transaction data by categorising spending, identifying merchants, detecting recurring income, and scoring affordability — turning unstructured bank data into structured, actionable financial insights via API.
