Tink
A Visa solution, Tink is the leading open banking platform in Europe.
Bank Connections
3,400+
Reached by Network
250 million+
Countries Covered
18
Annual Transactions
10 billion+
About Tink
As a Visa solution, Tink provides a comprehensive open banking platform with a primary focus on the European market. Its single API allows developers to connect to thousands of banks to access financial data and initiate payments. Key products include Account Aggregation for accessing account and transaction data, Payment Initiation for streamlined bank-to-bank payments, and Data Enrichment for cleaning and categorizing transaction data. Tink serves a wide range of use cases, from personal finance management (PFM) and credit scoring to onboarding and KYC processes, enabling businesses to build next-generation financial services with broad bank connectivity.
Core Products
Payments
Includes Payment Initiation (PIS), enabling account-to-account payments directly from an application.
Data
Provides Account and Transaction Data, Identity Verification, and Income Check via Account Information Services (AIS).
Enrichment
Offers tools for transaction categorization, data cleaning, and personal finance management insights.
Use Cases
Personal Finance Management
Aggregate accounts and categorize transactions to provide users a complete financial overview.
Credit & Lending
Use real-time transaction data for more accurate credit scoring and risk assessment with Income Check.
Onboarding & Kyc
Verify account ownership and identity digitally to streamline customer onboarding processes.
Payment Services
Enable seamless top-ups, payouts, and account-to-account payments within an app or service.
Developer Platform
Single Api
Access a wide network of banks across Europe through a unified API integration.
Sandbox Environment
A free and fully functional sandbox environment is available for testing and development.
Authentication
Uses the OAuth 2.0 protocol for secure, delegated access to user data.
Client Libraries
Provides libraries for various programming languages to simplify the integration process.