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SPECIFICTION
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Tink

tink.com

WebAPI
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Spec score 6.9 #43 of 71 in Bank Connectivity Software

What it is

Tink is an open banking platform for businesses that need payment services and enriched financial data. Its API connects to European banks and financial institutions, with stated reach across more than 3,000 connections in Europe. Use cases include customer onboarding, account top-ups, invoice settlement, ecommerce, affordability assessment, risk decisions and consumer engagement. Tink Payments lets users authenticate and initiate bank payments and transfers. Data Enrichment categorises transactions, detects recurring activity and forecasts upcoming transactions. Risk Signals examines account data, live balances, transaction history and payment velocity for account-to-account payment risk. Developers get a single API integration, SDKs, guides, references and sample projects. Supported data includes current and savings accounts, cards, investments, pensions, loans, mortgages, identity and transaction records. A free account provides sandbox test data before an Enterprise upgrade. Tink says its systems are SOC 2 Type II compliant and offers authentication flows under its PSD2 licence. The platform serves 19 European markets.

Spec sheet

Product
Tink is an open banking platform offering payment services and financial data enrichment to businesses.Read 8 Oct 2026 · tink.com
Integrations
Tink says its platform connects to more than 3,000 banks and financial institutions across Europe.Read 8 Oct 2026 · tink.com
Security
Tink states that its systems are SOC 2 Type II compliant for the Security and Availability Trust Service Criteria.Read 8 Oct 2026 · tink.com
Support
Enterprise customers can contact support through the support portal at any time, while Tink does not guarantee response or resolution times for customers without an Enterprise agreement.Read 8 Oct 2026 · tink.com
License
Tink says customers can use its ready-made authentication flows under Tink’s PSD2 license.Read 8 Oct 2026 · tink.com
Headquarters
Stockholm, SwedenRead 28 Sep 2026 · tink.com
Founded
2012Read 28 Sep 2026 · tink.com
Availability
Tink says it serves 19 European markets and operates from 13 offices.Read 8 Oct 2026 · tink.com
Connectivity
Tink says its API provides access to financial data through connections to European banks and financial institutions.Read 8 Oct 2026 · tink.com
Data enrichment
Data Enrichment includes transaction categorisation, recurring transaction detection, and forecasts of upcoming transactions.Read 8 Oct 2026 · tink.com
Developer tools
Tink offers a single API integration, SDKs, developer guides, API references, and sample projects.Read 8 Oct 2026 · tink.com
Free sandbox
A free account lets users try Tink products with test data in a sandbox environment before upgrading to an Enterprise account.Read 8 Oct 2026 · tink.com
Limits
The FAQ says Tink provides four background data refreshes every 24 hours.Read 8 Oct 2026 · tink.com
Payments
Tink Payments lets end users authenticate and initiate payments and transfers from their bank accounts.Read 8 Oct 2026 · tink.com
Risk checks
Risk Signals checks account data, live balances, transaction history, and payment velocity to help monitor and manage account-to-account payment risk.Read 8 Oct 2026 · tink.com
Use cases
Tink lists customer onboarding, account top-ups, invoice settlement, ecommerce, income and affordability assessment, risk decisioning, and consumer engagement as use cases.Read 8 Oct 2026 · tink.com

Plans and prices

Enterprise Priced on request Custom pricing · Tink or your own license · tailored offering · premium support · guaranteed response and resolution times available Read 8 Oct 2026 · tink.com
Standard Priced on request Personal accounts · current, savings and credit card accounts · Tink's license · guaranteed response and resolution times not included Read 8 Oct 2026 · tink.com

Every Tink plan and price →

Strong points and limits

Strong points

  • Payment initiation and transfers
  • Transaction categorisation and forecasts
  • Risk Signals checks
  • Free sandbox account
  • Multiple developer tools

Limits

  • Four background refreshes per 24 hours
  • Guaranteed support is tied to Enterprise

Who it suits

Tink suits businesses building payment, onboarding, financial-data or risk workflows across European markets. Developers can use REST API, Tink Link SDK or PSD2 bank APIs.

Verdict

Tink combines open-banking connectivity, payment initiation, enrichment and risk data for business applications. Teams should compare the unpriced plans, refresh limit and support terms with their integration needs.

Where Specifiction places it

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