Tink

Tink (a Visa company) is a European open-banking platform offering account aggregation, payment initiation, identity, and KYC products across 3,400+ banks. The Tink API exposes Account Check, Account Aggregation, Income Check, Risk Insights, Money Manager, and Payments products under a single OAuth-protected REST surface at api.tink.com.

Tink publishes 5 APIs on the APIs.io network. Tagged areas include Fintech, Open Banking, PSD2, Europe, and Visa.

Tink’s developer surface includes developer portal, documentation, pricing, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.3/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-24 · rubric v0.12.1

AccessFreemium

5 APIs

Fintech Open Banking PSD2 Europe Visa Account Aggregation Payments KYC

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.12.1

Composite quality — 14.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 4.0 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 6.9 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tink: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Tink Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Blog

Blog

Source (apis.yml)

aid: tink
url: https://raw.githubusercontent.com/api-evangelist/tink/refs/heads/main/apis.yml
name: Tink
kind: company
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tink.png
tags:
- Fintech
- Open Banking
- PSD2
- Europe
- Visa
- Account Aggregation
- Payments
- KYC
created: '2026-05-08'
modified: '2026-05-08'
specificationVersion: '0.23'
description: Tink (a Visa company) is a European open-banking platform offering account aggregation, payment initiation, identity,
  and KYC products across 3,400+ banks. The Tink API exposes Account Check, Account Aggregation, Income Check, Risk Insights,
  Money Manager, and Payments products under a single OAuth-protected REST surface at api.tink.com.
apis:
- aid: tink:account-aggregation-api
  name: Tink Account Aggregation API
  tags:
  - PSD2
  - AISP
  - Account Information
  - Aggregation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.tink.com/api/v1
  humanURL: https://docs.tink.com/api/account-aggregation
  description: REST API for retrieving end-user accounts, transactions, and balances across 3,400+ European banks via PSD2
    AISP.
  properties:
  - type: Documentation
    url: https://docs.tink.com/api/account-aggregation
  x-features:
  - 3,400+ banks across Europe
  - Accounts, transactions, balances
  - PSD2 AISP-licensed
  x-use-cases:
  - PFM apps
  - Lending decisioning
  - Financial onboarding
- aid: tink:account-check-api
  name: Tink Account Check API
  tags:
  - Account Verification
  - KYC
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.tink.com/api/v1/account-check
  humanURL: https://docs.tink.com/api/account-check
  description: Verify account ownership and IBAN details for an end user.
  properties:
  - type: Documentation
    url: https://docs.tink.com/api/account-check
  x-features:
  - Account ownership verification
  - IBAN validation
  x-use-cases:
  - KYC and onboarding
  - Payouts validation
- aid: tink:income-check-api
  name: Tink Income Check API
  tags:
  - Income Verification
  - Lending
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.tink.com/api/v1/income-check
  humanURL: https://docs.tink.com/api/income-check
  description: Categorized income data derived from aggregated transaction history.
  properties:
  - type: Documentation
    url: https://docs.tink.com/api/income-check
  x-features:
  - Categorized income streams
  - Stability scoring
  x-use-cases:
  - Lending underwriting
  - Affordability checks
- aid: tink:risk-insights-api
  name: Tink Risk Insights API
  tags:
  - Risk
  - Lending
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.tink.com/api/v1/risk-insights
  humanURL: https://docs.tink.com/api/risk-insights
  description: Risk indicators and affordability signals derived from aggregated bank data.
  properties:
  - type: Documentation
    url: https://docs.tink.com/api/risk-insights
  x-features:
  - Risk indicators
  - Affordability signals
  x-use-cases:
  - Credit risk
  - Underwriting
- aid: tink:payments-api
  name: Tink Payments API
  tags:
  - PSD2
  - PISP
  - Payment Initiation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.tink.com/api/v1/payments
  humanURL: https://docs.tink.com/api/payments
  description: Initiate single, recurring, and bulk SEPA / domestic-rail payments via PSD2 PISP.
  properties:
  - type: Documentation
    url: https://docs.tink.com/api/payments
  x-features:
  - Single, recurring, and bulk payment initiation
  - PSD2 PISP-licensed
  x-use-cases:
  - Account-to-account payments
  - Pay-by-bank checkout
common:
- type: VulnerabilityDisclosure
  url: security/tink-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/tink-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/fintecsystems
- type: LinkedIn
  url: https://www.linkedin.com/company/tink-ab
- type: Portal
  url: https://tink.com/
- type: Documentation
  url: https://docs.tink.com/
- type: Pricing
  url: https://tink.com/pricing/
- type: Plans
  url: plans/tink-plans-pricing.yml
- type: RateLimits
  url: rate-limits/tink-rate-limits.yml
- type: FinOps
  url: finops/tink-finops.yml
- type: LlmsText
  url: https://docs.tink.com/llms.txt
- url: https://tink.com/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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Tink

Kin Score

APIs 5

Tink Account Aggregation API

Tink Account Check API

Tink Income Check API

Tink Risk Insights API

Tink Payments API

Pricing Plans 1

Tink Plans Pricing