# Tink

**Canonical:** https://apis.io/providers/tink-com/  
**Website:** https://tink.com/  
**APIs profiled:** 25

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.

## Kin Score — 66.4 / 100 (strong)

Scored 2026-08-24 under rubric 0.12.1. Trend: flat (+0.0 from 66.4).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 72.5 |
| Governance | 28.8 |
| Contract Governance | 28.8 |
| Operational Transparency | 78.9 |
| Developer Ergonomics | 52.4 |
| Commercial Clarity | 73.7 |
| Access Clarity | 73.7 |

Regulatory layer — **Banking & Open Finance**: 44.3 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (25)

- **Tink Accounts API** — User bank accounts and balances.
- **Tink AccountVerificationReports API** — Account ownership verification reports.
- **Tink BalanceRefresh API** — On-demand balance refresh.
- **Tink Budgets API** — Personal and business budgets.
- **Tink BusinessAccountVerificationReports API** — Business account ownership verification reports.
- **Tink CashFlow API** — Cash flow summaries.
- **Tink Categories API** — Tink categorisation taxonomy.
- **Tink ConnectorAccounts API** — Partner-ingested accounts.
- **Tink ConnectorTransactions API** — Partner-ingested transactions.
- **Tink EnrichedTransactions API** — Categorised and merchant-enriched transactions.
- **Tink ExpenseChecks API** — Expense verification reports.
- **Tink FinancialCalendar API** — Financial calendar events and reconciliations.
- **Tink Identities API** — Account holder identities returned by the bank.
- **Tink IncomeChecks API** — Income verification reports.
- **Tink Investments API** — Investment accounts and holdings.
- **Tink Loans API** — Loan accounts.
- **Tink Mandates API** — Recurring payment mandates.
- **Tink OAuth API** — Token, authorization, and delegated grant endpoints.
- **Tink Payments API** — Payment initiation, status, cancel, and refund.
- **Tink RecurringTransactions API** — Recurring transaction detection and prediction.
- **Tink RiskCategorisation API** — Risk categorisation reports.
- **Tink RiskInsights API** — Risk decisioning reports.
- **Tink Transactions API** — User bank transactions.
- **Tink User API** — Permanent user lifecycle management.
- **Tink WebhookEndpoints API** — Webhook endpoint management.

## Agentic access (1)

- **Tink Com Agentic Access** — 63 operations · 25 acting · 1 human-in-the-loop

## Security (3)

- **Tink Com Authentication** — http · 1 scheme
- **Tink Com Domain Security** — TLSv1.3 · HSTS · DMARC
- **Tink Com Vulnerability Disclosure** — security.txt

## Plans (1)

- **Tink Com Plans Pricing**

## Use cases (8)

- **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.

## Tags

Open Banking, PSD2, Payment Initiation, Account Aggregation, Risk Decisioning, Pay by Bank, Finance, Banking, Europe, Visa

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tink-com/). Scores are computed from the provider's own public artifacts under a published rubric.