Tink

Tink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections across Europe and a US Pay by Bank stack. Tink exposes a single API for PSD2-aggregated bank data (Accounts, Transactions, Balances, Identities, Investments, Loans), value-added risk reports (Account Check, Business Account Check, Income Check, Expense Check, Risk Insights, Risk Categorisation), Money Manager BFM, Data Enrichment, and PSD2 Payment Initiation Services (Pay by Bank, Auto Payments, Variable Recurring Payments, Mandates, Refunds, Payouts). Authentication is OAuth 2.0 with delegated user consent through the Tink Link hosted flow.

9 APIs 11 Features

Open BankingPSD2Payment InitiationAccount AggregationRisk DecisioningPay by BankFinanceBankingEuropeVisa

APIs

Tink OAuth API

OAuth 2.0 client-credentials, refresh, and delegated authorization-grant endpoints that gate every Tink API. Includes permanent user creation and Tink Link session delegation.

Tink Account Check API

Verify that a bank account belongs to the consumer or business presenting it. Returns verified account, identity, balance, and user-match results as JSON or PDF. Includes Busine...

Tink Data API

Read consented bank data from 6,000+ European banks. Lists accounts, balances, transactions, account parties, identities, investment holdings, and loan accounts. Includes on-dem...

Tink Data Enrichment API

Categorise raw bank transactions, identify the merchant, detect confirmed recurring transactions, and predict future recurring payments. Powers Money Manager, Expense Check, Inc...

Tink Payments API

PSD2 Payment Initiation Services. Initiate single payments, refunds, payouts, and create mandates for Auto Payments and sweeping Variable Recurring Payments. Available in EU und...

Tink Risk and Reports API

Decisioning-grade reports built on aggregated bank data — Income Check, Expense Check, Risk Insights, and Risk Categorisation — for affordability, underwriting, and lending deci...

Tink Money Manager API

Personal and business financial-management surface. Cash-flow summaries, recurring and one-off business budgets, a financial calendar of bills and invoices, and reconciliations ...

Tink Connector API

Push partner-collected accounts and transactions into the Tink platform so they benefit from Tink categorisation, recurring detection, Money Manager, and risk reporting alongsid...

Tink Webhooks API

Register webhook endpoints that receive asynchronous events when reports are ready, payments and refunds change status, or consented bank data is refreshed.

Collections

Tink Account Check API

POSTMAN

Tink Connector API

POSTMAN

Tink Data API

POSTMAN

Tink Data Enrichment API

POSTMAN

Tink Money Manager API

POSTMAN

Tink OAuth and Authorization API

POSTMAN

Tink Payments API

POSTMAN

Tink Risk and Reports API

POSTMAN

Tink Webhooks API

POSTMAN

Tink Account Check API

OPEN

Tink Connector API

OPEN

Tink Data API

OPEN

Tink Data Enrichment API

OPEN

Tink Money Manager API

OPEN

Tink OAuth and Authorization API

OPEN

Tink Payments API

OPEN

Tink Risk and Reports API

OPEN

Tink Webhooks API

OPEN

Arazzo Workflows

Tink Account And Transactions Overview

List a user's accounts, read the balances of a chosen account, then list its transactions.

ARAZZO

Tink Account Check Verification And Report Retrieval

Create a Tink Link session pre-loaded with identity, then retrieve the resulting Account Check report as JSON and PDF.

ARAZZO

Tink Trigger A Balance Refresh And Poll It

Trigger an on-demand balance refresh for a credentials object, then poll until it finishes, then read fresh balances.

ARAZZO

Tink Initiate A Payment And Poll Its Status

Initiate a Pay by Bank payment, then poll the payment until it reaches a terminal status.

ARAZZO

Tink Create A Payment Mandate And Confirm It

Create a recurring payment mandate for a user, then read it back to confirm it is active.

ARAZZO

Tink Refund An Executed Payment And Poll The Refund

Confirm a payment is executed, initiate a refund, then poll the refund until it reaches a terminal status.

ARAZZO

Tink Review And Revoke A Bank Consent

List a user's provider consents and credentials, then delete the credentials object to revoke the underlying bank consent.

ARAZZO

Tink Build A Budget From Recurring Spend

Read a user's confirmed recurring transactions and category taxonomy, create a business budget around them, then read the budget's progress.

ARAZZO

Tink Onboard A User And Access Their Bank Data

Create a permanent Tink user, delegate bank authorization, exchange the code for a user token, and list their accounts.

ARAZZO

Tink Register And Verify A Webhook Endpoint

Register a webhook endpoint for selected event types, read it back to capture its signing secret, then confirm it is enabled in the endpoint list.

ARAZZO

Pricing Plans

Tink Com Plans Pricing

2 plans

PLANS

Rate Limits

Tink Com Rate Limits

4 limits

RATE LIMITS

FinOps

Tink Com Finops

FINOPS

Features

6,000+ Bank Connections

PSD2 and non-PSD2 connectivity across the Nordics, UK, DACH, Benelux, France, Iberia, Italy, Ireland, and Poland.

PSD2 Payment Initiation

Single API for one-off payments, Variable Recurring Payments, Auto Payments, payouts, refunds, and mandates.

Account Check and Business Account Check

Verified account ownership for individuals and businesses with optional identity match (name, DOB, address).

Risk Insights and Risk Categorisation

Lender-grade affordability and risk-decisioning reports built on aggregated bank data.

Income Check and Expense Check

Verified income streams and categorised expenses for underwriting and KYC.

Money Manager

Cash-flow summaries, budgets, financial calendar, and reconciliations for SMB and personal apps.

Data Enrichment

Tink categorisation taxonomy, merchant identification, and recurring-transaction detection and prediction.

Connector API

Push partner-collected data into the Tink platform for downstream enrichment and reporting.

Tink Link

Hosted bank-consent UX handling SCA and bank app-to-app redirects on mobile.

Webhooks

Asynchronous notifications for report completion, payment and refund status, and credentials updates.

SOC 2 Type II and PSD2 Licence

Single PSD2 licensed integration removes the need for customers to obtain their own PSD2 authorisation.

Use Cases

Onboarding and KYC

Verify bank ownership and identity match in seconds with Account Check.

Affordability and Underwriting

Risk Insights, Income Check, and Expense Check inform consumer and SMB lending decisions.

Pay by Bank Checkout

Initiate account-to-account payments at checkout with one-off PIS or Auto Payments.

Subscription Billing

Sweeping Variable Recurring Payments collect recurring charges directly from the customer's bank.

Business Financial Management

Embed Money Manager dashboards in SMB banking and accounting apps.

PFM and Personal Banking

Power personal finance experiences with categorised transactions and recurring detection.

Payouts

Disburse funds back to a verified bank account using PIS payouts.

Open Finance Composition

Stitch PSD2 data with partner-collected data via Connector API for a unified view.

Integrations

Visa

Tink is a Visa solution following the 2022 acquisition; integrates with Visa's payment and risk products.

Adyen

Pay by Bank rails for Adyen merchants.

Revolut

Open Banking data and payments connectivity for Revolut.

Younited

Risk decisioning powered by Tink for the European consumer lender.

Bank Norwegian

Account aggregation and risk reports for the Nordic digital bank.

PostNord Strålfors

Payment Initiation Services for the Nordic communications and logistics group.

Solutions

Banking

Aggregation, money management, and PIS for retail and business banking platforms.

Lending

Income, expense, risk, and account verification for credit underwriting.

Payments

Pay by Bank, VRP, mandates, refunds, and payouts for ecommerce, billers, and PSPs.

Wealth and Investments

Holdings, loans, and balance aggregation for wealth-management and PFM apps.

SMB

Money Manager BFM, business budgets, cash-flow, and Business Account Check for SMB platforms.

Semantic Vocabularies

Tink Com Context

52 classes · 0 properties

JSON-LD

API Governance Rules

Tink API Rules

7 rules · 3 errors 3 warnings 1 info

SPECTRAL

Example Payloads

Tink Account Verification Report Example

7 fields

EXAMPLE

Tink Payment Example

11 fields

EXAMPLE

Tink Transaction Example

9 fields

EXAMPLE

Resources

PostmanWorkspace

PostmanWorkspace

Documentation

TermsOfService

PrivacyPolicy

GitHubOrganization

GitHubOrganization

SpectralRules

Sources

opencollection: 1.0.0
info:
  name: Tink Webhooks API
  version: '2.0'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: WebhookEndpoints
    type: folder
  items:
  - info:
      name: Tink List Webhook Endpoints
      type: http
    http:
      method: GET
      url: https://api.tink.com/events/v2/webhook-endpoints
    docs: List all webhook endpoints registered for the calling client.
  - info:
      name: Tink Create A Webhook Endpoint
      type: http
    http:
      method: POST
      url: https://api.tink.com/events/v2/webhook-endpoints
      body:
        type: json
        data: '{}'
    docs: 'Register a webhook endpoint that Tink will POST events to. Supports event filters for account-verification-report,
      income-check, expense-check, risk-insights, payment-status, refund-status, and credentials-updated events.

      '
  - info:
      name: Tink Get A Webhook Endpoint
      type: http
    http:
      method: GET
      url: https://api.tink.com/events/v2/webhook-endpoints/:endpointId
      params:
      - name: endpointId
        value: ''
        type: path
    docs: Retrieve a webhook endpoint by id.
  - info:
      name: Tink Update A Webhook Endpoint
      type: http
    http:
      method: PATCH
      url: https://api.tink.com/events/v2/webhook-endpoints/:endpointId
      params:
      - name: endpointId
        value: ''
        type: path
      body:
        type: json
        data: '{}'
    docs: Update fields on a webhook endpoint (url, enabledEvents, disabled).
  - info:
      name: Tink Delete A Webhook Endpoint
      type: http
    http:
      method: DELETE
      url: https://api.tink.com/events/v2/webhook-endpoints/:endpointId
      params:
      - name: endpointId
        value: ''
        type: path
    docs: Delete a webhook endpoint.
bundled: true