Why market leaders are choosing Tink

Scaling that goes up to the billions

More than having the broadest, most reliable connections across Europe, the Tink platform has the scale to suit big international customers. We handle over 1bn monthly API calls with 99.9%+ uptime.

Proven solutions, loved by millions

Our tech is behind some of the most successful and appreciated financial services brought to millions of consumers by industry leaders like PayPal, Lydia, NatWest, CGD and EnelX, among others. 

One platform, endless possibilities

We offer a range of products that can help businesses achieve a series of different goals. From streamlining onboarding, attracting new users with award-winning apps – to processing millions in payments.

Powering use cases across industries

Banking
Lending
Payments

Banking

Attract new customers and increase efficiency

Up the digital banking experience and increase operational efficiency with high-quality financial data. Open banking helps banks deliver sleek solutions to attract and engage customers while reducing risk.

An Post banking app - Money Manager

Attract new customers and increase efficiency

Up the digital banking experience and increase operational efficiency with high-quality financial data. Open banking helps banks deliver sleek solutions to attract and engage customers while reducing risk.

An Post banking app - Money Manager

Lending

Make faster and more accurate credit decisions

Tink connects lenders to consumers’ bank data to make real-time assessments based on consumers’ financial behaviour. More accurate data in risk assessments helps lenders accept more – at less risk.

GF money

Payments

Build simpler, faster, and more efficient payment flows

Tink brings together everything you need to create low-cost, high-performing payment journeys with open banking. Companies like Lydia and Kivra use Tink to manage payments, onboard customers, and more.

Kivra app

The Tink offering

Payments

Increase engagement and conversion by giving your customers a fully embedded payments experience – at a fraction of the cost.

Variable Recurring Payments

Smarter, faster recurring payments. VRPs are the new way to enable frictionless, real-time open banking payments.

Payouts

Increase customer loyalty with instant refunds and withdrawals.

Risk Signals

Increase settlement rates, prevent fraud, and unlock faster payments with risk tools built for account-to-account payments.

Account Check

Confirm account ownership with real-time data straight from a user’s bank account, creating a quick and simple payment setup process.

Business Account Check

Instantly verify business account ownership with data straight from banks for quick and easy merchant onboarding, payouts or direct debit setup.

Transactions

Get real-time transaction data - straight from banks, and delivered in a standardised format.

Business Transactions

Get real-time transaction data from business accounts – straight from banks, and delivered in a standardised format.

Investments

Confirm account ownership with real-time data straight from a user’s investment bank account, creating a quick and seamless onboarding process

Loans

Confirm loan account ownership with real-time data straight from a user’s loan account, creating a quick and seamless process

Balance Check

Maximise payment success with instant balance checks.

Income Check

Optimise credit decisions and understand your customers’ true financial capacity by instantly verifying income using real-time data.

Expense Check

Determine spending patterns and how much is recurring on a monthly basis.

Risk Insights

Start assessing creditworthiness with real time, up-to-date and verified data giving unique insights into spending behaviours.

Money Manager

Build smart, intuitive personal finance management applications that give your customers tools and personalised insights to better manage their money.

Data Enrichment

Enrich consumer data to bring more value with innovative features.

For businesses and ideas of all sizes

If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes.

Interested in how Tink can help your business?

Tink offers solutions for businesses and ideas of all sizes
Tink offers solutions for businesses and ideas of all sizes

For businesses and ideas of all sizes

If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes.

Interested in how Tink can help your business?

What you get with Tink’s tech

Plug-and-play technology through one API

Tap into our technology – on a single cloud-based platform – through one API integration.

No PSD2 license required

Using our ready-made authentication flows lets you operate under our PSD2 license.

Breadth and quality of data

We aggregate both PSD2 and non-PSD2 data through reliable connections to European banks and financial institutions.

Loved by developers

Our SDKs make it fast and easy to build great products using our connectivity and data services.

Security you can trust

We’re an ISO 27001-certified company, and all customer data is encrypted in transit and at rest.

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Latest from the Tink blog

The ultimate guide for creating a brilliant Pay by Bank user experience
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The ultimate guide for creating a brilliant Pay by Bank user experience

At Tink, we’re pretty excited about Pay by Bank. Our new, in-depth UX guide tells you how to make the most of this innovative payment solution.

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This image depicts Vesa Moisio and Martti Hakala speaking on stage at the Nordic Banking Forum event in Helsinki, 2023.
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Open banking tools like Tink Money Manager and Tink Data Enrichment help its partners, like Savings Banks Group, offer streamlined user experiences that coach consumers towards financial wellness.

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Investment platforms can avoid losing people to poor user experience – let open banking tools make your payments friction free, while your customers focus on their financial wellness.

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Tink's new research

Our new research highlights the opportunity for banks to play a bigger role in helping customers make more sustainable choices.

Fintech for Good sustainability research