finAPI vs Tink
finAPI
finapi.io
Tink
tink.comSide by side
| Figure | finAPI | Tink |
|---|---|---|
| Price from | €60/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 2 |
| Spec score · Bank Connectivity Software | 8.1 (#10) | 6.9 (#43) |
| Founded | 2008 | 2012 |
| Headquarters | Munich, Germany | Stockholm, Sweden |
| Integrations | The Banking API includes connections through XS2A, FinTS/HBCI, web scraping and financial service provider APIs; its Access packages also list PayPal API connections. | Tink says its platform connects to more than 3,000 banks and financial institutions across Europe. |
| Payments | The Payment API supports SEPA transfers, collective transfers, standing orders, scheduled transfers, instant payments, direct debits and collective direct debits. | Tink Payments lets end users authenticate and initiate payments and transfers from their bank accounts. |
| Support | The pricing page says standard support and shared hosting are included with the SaaS licence; premium support, project support, consulting and dedicated hosting are available on request. | 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. |
Plans
finAPI
- Access B2C — basic licence, up to 200 users€60 a month
- Data Intelligence PG A — basic licence to 200 calls€80 a month
- finAPI Demobank Lite€99 a month
- Access B2X — basic licence, up to 200 users€100 a month
In their own words
Tink
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.