Tink review
A European-focused connectivity platform spanning account data, verification and payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Tink is an open banking platform for banks, fintechs, startups and other businesses building financial data and payment experiences. Its cloud platform connects applications with European financial institutions through PSD2 bank APIs, a REST API and the Tink Link SDK. Core capabilities include account aggregation, standardized real-time transaction data, bank-account ownership verification, payment initiation, account-to-account payments, financial data enrichment and categorization. The platform supports current, savings and credit card accounts, with broader data types including investments, pensions, loans, mortgages, identity and transaction data.
Pricing is organized into Standard and Enterprise plans, with paid access handled through contact-based or custom pricing. Standard includes current, savings and credit card accounts, on-demand data refresh, background data refresh and Tink's TPP license. Enterprise includes the same account types and refresh options, while adding a choice between Tink's or the customer's own TPP license, support and SLAs, a tailored offering and premium support. A sandbox account with test data is available for development, while the paid plans are positioned for production use through custom commercial arrangements.
The product's strongest fit is for teams that need several open banking functions in one integration: data aggregation, authentication, verification, payments and enrichment. Tink Link supports end-user bank authentication, while the developer console, REST API and API documentation support implementation work. Background refresh can run up to four times per day, alongside on-demand refresh. Choose Tink for European financial services products that need standardized account data and payment connectivity. Teams seeking a broader geographic focus, or buyers that require publicly listed plan pricing, should consider alternatives before committing.
Tink pros and cons
- Where it wins
- Standardized real-time transaction data across European institutions
- Account aggregation, ownership verification and payment initiation
- REST API, Tink Link SDK and enrichment tools for developers
- Where it doesn't
- Paid pricing requires contact with sales
- Primary focus is European financial services use cases
- Enterprise features such as SLAs require the Enterprise plan
Tink fact sheet, pricing and score →
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