Tink

aid: tink-com
url: https://raw.githubusercontent.com/api-evangelist/tink-com/refs/heads/main/apis.yml
name: Tink
description: >-
  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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
  - Open Banking
  - PSD2
  - Payment Initiation
  - Account Aggregation
  - Risk Decisioning
  - Pay by Bank
  - Finance
  - Banking
  - Europe
  - Visa
created: '2026-05-25'
modified: '2026-05-25'
maintainers:
  - FN: API Evangelist
    email: info@apievangelist.com
    X-twitter: '@apievangelist'
kind: contract
access: 3rd-Party
apis:
  - aid: tink-com:tink-oauth-api
    name: Tink OAuth API
    description: >-
      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.
    humanURL: https://docs.tink.com/api-reference/auth-api
    baseURL: https://api.tink.com
    tags:
      - OAuth
      - Authentication
      - Users
    properties:
      - url: https://docs.tink.com/api-reference/auth-api
        type: Documentation
      - url: openapi/tink-oauth-api-openapi.yml
        type: OpenAPI
  - aid: tink-com:tink-account-check-api
    name: Tink Account Check API
    description: >-
      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 Business Account Check and Tink Link session creation
      with user info for identity matching.
    humanURL: https://docs.tink.com/resources/account-check
    baseURL: https://api.tink.com
    tags:
      - Account Check
      - Account Verification
      - KYC
      - Onboarding
    properties:
      - url: https://docs.tink.com/resources/account-check
        type: Documentation
      - url: openapi/tink-account-check-api-openapi.yml
        type: OpenAPI
      - url: json-schema/tink-account-verification-report-schema.json
        type: JSONSchema
      - url: examples/tink-account-verification-report-example.json
        type: Example
  - aid: tink-com:tink-data-api
    name: Tink Data API
    description: >-
      Read consented bank data from 6,000+ European banks. Lists accounts, balances, transactions, account parties,
      identities, investment holdings, and loan accounts. Includes on-demand balance refresh, credentials management,
      and provider-consent inspection.
    humanURL: https://docs.tink.com/resources/transactions
    baseURL: https://api.tink.com
    tags:
      - Accounts
      - Transactions
      - Balances
      - Identities
      - Investments
      - Loans
    properties:
      - url: https://docs.tink.com/resources/transactions
        type: Documentation
      - url: openapi/tink-data-api-openapi.yml
        type: OpenAPI
      - url: json-schema/tink-transaction-schema.json
        type: JSONSchema
      - url: examples/tink-transaction-example.json
        type: Example
  - aid: tink-com:tink-data-enrichment-api
    name: Tink Data Enrichment API
    description: >-
      Categorise raw bank transactions, identify the merchant, detect confirmed recurring transactions, and predict
      future recurring payments. Powers Money Manager, Expense Check, Income Check, and Risk Insights downstream.
    humanURL: https://docs.tink.com/resources/data-enrichment
    baseURL: https://api.tink.com
    tags:
      - Data Enrichment
      - Categorisation
      - Recurring Transactions
      - Merchants
    properties:
      - url: https://docs.tink.com/resources/data-enrichment
        type: Documentation
      - url: openapi/tink-data-enrichment-api-openapi.yml
        type: OpenAPI
  - aid: tink-com:tink-payments-api
    name: Tink Payments API
    description: >-
      PSD2 Payment Initiation Services. Initiate single payments, refunds, payouts, and create mandates for Auto
      Payments and sweeping Variable Recurring Payments. Available in EU under PSD2 and in the US via the Pay by Bank
      stack at api.us.tink.com.
    humanURL: https://docs.tink.com/resources/payments
    baseURL: https://api.tink.com
    tags:
      - Payments
      - Payment Initiation
      - PSD2
      - Pay by Bank
      - Mandates
      - Refunds
      - Variable Recurring Payments
    properties:
      - url: https://docs.tink.com/resources/payments
        type: Documentation
      - url: openapi/tink-payments-api-openapi.yml
        type: OpenAPI
      - url: json-schema/tink-payment-schema.json
        type: JSONSchema
      - url: examples/tink-payment-example.json
        type: Example
  - aid: tink-com:tink-risk-reports-api
    name: Tink Risk and Reports API
    description: >-
      Decisioning-grade reports built on aggregated bank data — Income Check, Expense Check, Risk Insights, and Risk
      Categorisation — for affordability, underwriting, and lending decisions.
    humanURL: https://docs.tink.com/resources/risk-insights
    baseURL: https://api.tink.com
    tags:
      - Risk
      - Income Check
      - Expense Check
      - Risk Insights
      - Risk Categorisation
      - Lending
      - Affordability
    properties:
      - url: https://docs.tink.com/resources/risk-insights
        type: Documentation
      - url: https://docs.tink.com/resources/income-check
        type: Documentation
      - url: https://docs.tink.com/resources/expense-check
        type: Documentation
      - url: openapi/tink-risk-reports-api-openapi.yml
        type: OpenAPI
  - aid: tink-com:tink-money-manager-api
    name: Tink Money Manager API
    description: >-
      Personal and business financial-management surface. Cash-flow summaries, recurring and one-off business budgets, a
      financial calendar of bills and invoices, and reconciliations against bank transactions.
    humanURL: https://docs.tink.com/resources/money-manager
    baseURL: https://api.tink.com
    tags:
      - Money Manager
      - BFM
      - Cash Flow
      - Budgets
      - Financial Calendar
    properties:
      - url: https://docs.tink.com/resources/money-manager
        type: Documentation
      - url: openapi/tink-money-manager-api-openapi.yml
        type: OpenAPI
  - aid: tink-com:tink-connector-api
    name: Tink Connector API
    description: >-
      Push partner-collected accounts and transactions into the Tink platform so they benefit from Tink categorisation,
      recurring detection, Money Manager, and risk reporting alongside PSD2-aggregated data.
    humanURL: https://docs.tink.com/resources/connector
    baseURL: https://api.tink.com
    tags:
      - Connector
      - Data Ingestion
    properties:
      - url: https://docs.tink.com/resources/connector
        type: Documentation
      - url: openapi/tink-connector-api-openapi.yml
        type: OpenAPI
  - aid: tink-com:tink-webhooks-api
    name: Tink Webhooks API
    description: >-
      Register webhook endpoints that receive asynchronous events when reports are ready, payments and refunds change
      status, or consented bank data is refreshed.
    humanURL: https://docs.tink.com/resources/webhooks
    baseURL: https://api.tink.com
    tags:
      - Webhooks
      - Events
    properties:
      - url: https://docs.tink.com/resources/webhooks
        type: Documentation
      - url: openapi/tink-webhooks-api-openapi.yml
        type: OpenAPI
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/tink/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/tink-com-account-transactions-overview-workflow.yml
        name: Tink Account And Transactions Overview
        summary: List a user's accounts, read the balances of a chosen account, then list its transactions.
      - url: arazzo/tink-com-account-verification-report-workflow.yml
        name: Tink Account Check Verification And Report Retrieval
        summary: >-
          Create a Tink Link session pre-loaded with identity, then retrieve the resulting Account Check report as JSON
          and PDF.
      - url: arazzo/tink-com-balance-refresh-poll-workflow.yml
        name: Tink Trigger A Balance Refresh And Poll It
        summary: >-
          Trigger an on-demand balance refresh for a credentials object, then poll until it finishes, then read fresh
          balances.
      - url: arazzo/tink-com-initiate-payment-poll-status-workflow.yml
        name: Tink Initiate A Payment And Poll Its Status
        summary: Initiate a Pay by Bank payment, then poll the payment until it reaches a terminal status.
      - url: arazzo/tink-com-mandate-setup-workflow.yml
        name: Tink Create A Payment Mandate And Confirm It
        summary: Create a recurring payment mandate for a user, then read it back to confirm it is active.
      - url: arazzo/tink-com-payment-refund-poll-workflow.yml
        name: Tink Refund An Executed Payment And Poll The Refund
        summary: Confirm a payment is executed, initiate a refund, then poll the refund until it reaches a terminal status.
      - url: arazzo/tink-com-provider-consent-cleanup-workflow.yml
        name: Tink Review And Revoke A Bank Consent
        summary: >-
          List a user's provider consents and credentials, then delete the credentials object to revoke the underlying
          bank consent.
      - url: arazzo/tink-com-recurring-spend-budget-workflow.yml
        name: Tink Build A Budget From Recurring Spend
        summary: >-
          Read a user's confirmed recurring transactions and category taxonomy, create a business budget around them,
          then read the budget's progress.
      - url: arazzo/tink-com-user-data-access-workflow.yml
        name: Tink Onboard A User And Access Their Bank Data
        summary: >-
          Create a permanent Tink user, delegate bank authorization, exchange the code for a user token, and list their
          accounts.
      - url: arazzo/tink-com-webhook-endpoint-setup-workflow.yml
        name: Tink Register And Verify A Webhook Endpoint
        summary: >-
          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.
  - url: https://tink.com/
    type: Portal
    name: Tink Home
  - url: https://docs.tink.com/
    type: Documentation
    name: Tink Developer Docs
  - url: https://console.tink.com/
    type: Console
    name: Tink Console
  - url: https://tink.com/contact-sales/
    type: SignUp
    name: Contact Sales
  - url: https://tink.com/pricing/
    type: Pricing
    name: Tink Pricing
  - url: https://status.tink.com/
    type: StatusPage
    name: Tink Status
  - url: https://docs.tink.com/changelog
    type: ChangeLog
    name: Tink Changelog
  - url: https://tink.com/blog/
    type: Blog
    name: Tink Blog
  - url: https://tink.com/terms-and-conditions/
    type: TermsOfService
    name: Terms and Conditions
  - url: https://tink.com/privacy-policy/
    type: PrivacyPolicy
    name: Privacy Policy
  - url: https://tink.com/security/
    type: Security
    name: Tink Security
  - url: https://github.com/tink-ab
    type: GitHubOrganization
    name: Tink on GitHub
  - url: https://www.linkedin.com/company/tink-ab/
    type: LinkedIn
    name: Tink on LinkedIn
  - url: https://github.com/tink-ab/tink-postman
    type: Postman
    name: Tink Postman Collections (EU)
  - url: https://github.com/tink-ab/tink-postman-us
    type: Postman
    name: Tink Postman Collections (US)
  - url: https://github.com/tink-ab/tink-link-android
    type: SDK
    name: Tink Link Android SDK
  - url: https://github.com/tink-ab/tink-link-ios
    type: SDK
    name: Tink Link iOS SDK
  - url: https://github.com/tink-ab/tink-money-manager-android
    type: SDK
    name: Tink Money Manager Android SDK
  - url: https://github.com/tink-ab/tink-money-manager-ios
    type: SDK
    name: Tink Money Manager iOS SDK
  - url: https://github.com/tink-ab/terraform-provider-buildkite
    type: Tools
    name: Tink Terraform Provider for Buildkite
  - url: rules/tink-rules.yml
    type: SpectralRules
    name: Tink Spectral Ruleset
  - url: vocabulary/tink-com-vocabulary.yml
    type: Vocabulary
    name: Tink Vocabulary
  - url: json-ld/tink-com-context.jsonld
    type: JSONLD
    name: Tink JSON-LD Context
  - url: plans/tink-com-plans-pricing.yml
    type: Plans
    name: Tink Plans and Pricing
  - url: rate-limits/tink-com-rate-limits.yml
    type: RateLimits
    name: Tink Rate Limits
  - url: finops/tink-com-finops.yml
    type: FinOps
    name: Tink FinOps Surface
  - type: Features
    name: Features
    data:
      - name: 6,000+ Bank Connections
        description: >-
          PSD2 and non-PSD2 connectivity across the Nordics, UK, DACH, Benelux, France, Iberia, Italy, Ireland, and
          Poland.
      - name: PSD2 Payment Initiation
        description: Single API for one-off payments, Variable Recurring Payments, Auto Payments, payouts, refunds, and mandates.
      - name: Account Check and Business Account Check
        description: Verified account ownership for individuals and businesses with optional identity match (name, DOB, address).
      - name: Risk Insights and Risk Categorisation
        description: Lender-grade affordability and risk-decisioning reports built on aggregated bank data.
      - name: Income Check and Expense Check
        description: Verified income streams and categorised expenses for underwriting and KYC.
      - name: Money Manager
        description: Cash-flow summaries, budgets, financial calendar, and reconciliations for SMB and personal apps.
      - name: Data Enrichment
        description: Tink categorisation taxonomy, merchant identification, and recurring-transaction detection and prediction.
      - name: Connector API
        description: Push partner-collected data into the Tink platform for downstream enrichment and reporting.
      - name: Tink Link
        description: Hosted bank-consent UX handling SCA and bank app-to-app redirects on mobile.
      - name: Webhooks
        description: Asynchronous notifications for report completion, payment and refund status, and credentials updates.
      - name: SOC 2 Type II and PSD2 Licence
        description: Single PSD2 licensed integration removes the need for customers to obtain their own PSD2 authorisation.
  - type: UseCases
    name: UseCases
    data:
      - name: Onboarding and KYC
        description: Verify bank ownership and identity match in seconds with Account Check.
      - name: Affordability and Underwriting
        description: Risk Insights, Income Check, and Expense Check inform consumer and SMB lending decisions.
      - name: Pay by Bank Checkout
        description: Initiate account-to-account payments at checkout with one-off PIS or Auto Payments.
      - name: Subscription Billing
        description: Sweeping Variable Recurring Payments collect recurring charges directly from the customer's bank.
      - name: Business Financial Management
        description: Embed Money Manager dashboards in SMB banking and accounting apps.
      - name: PFM and Personal Banking
        description: Power personal finance experiences with categorised transactions and recurring detection.
      - name: Payouts
        description: Disburse funds back to a verified bank account using PIS payouts.
      - name: Open Finance Composition
        description: Stitch PSD2 data with partner-collected data via Connector API for a unified view.
  - type: Integrations
    name: Integrations
    data:
      - name: Visa
        description: Tink is a Visa solution following the 2022 acquisition; integrates with Visa's payment and risk products.
      - name: Adyen
        description: Pay by Bank rails for Adyen merchants.
      - name: Revolut
        description: Open Banking data and payments connectivity for Revolut.
      - name: Younited
        description: Risk decisioning powered by Tink for the European consumer lender.
      - name: Bank Norwegian
        description: Account aggregation and risk reports for the Nordic digital bank.
      - name: PostNord Strålfors
        description: Payment Initiation Services for the Nordic communications and logistics group.
  - type: Solutions
    name: Solutions
    data:
      - name: Banking
        description: Aggregation, money management, and PIS for retail and business banking platforms.
      - name: Lending
        description: Income, expense, risk, and account verification for credit underwriting.
      - name: Payments
        description: Pay by Bank, VRP, mandates, refunds, and payouts for ecommerce, billers, and PSPs.
      - name: Wealth and Investments
        description: Holdings, loans, and balance aggregation for wealth-management and PFM apps.
      - name: SMB
        description: Money Manager BFM, business budgets, cash-flow, and Business Account Check for SMB platforms.