Personal Finance Management

Our best-in-class Personal Finance Management (PFM) enriches aggregated data, identifying relevant insights and useful customer financial behaviour. PFM allows customers to easily understand and manage their money, while also offering businesses the opportunity to digitise and automate advice and sales in a personalised way.


Lightweight. Full-featured.

Tink’s PFM service collects information to create a financial profile of your customers. These insights allow you to generate personalised, calculated advice or offers to customers, or help customers manage their money and budgets. Our PFM is robust, ready to use and flexible, and our simple API can be used to develop highly responsive and light mobile apps.

PFM Solution

How it works

  • Gives the customer a complete picture of their finances, with ability to tag, categorise and create saving or spending budgets for better financial management and understanding.

  • Budgets and savings goals are auto-tracked and updated over time based on categorisation, search queries or custom tags. Meeting or missing goals can be used to trigger notifications or offers.

  • Get a comprehensive understanding of customer financial behaviour to help tailor your offerings, sales and advice.

  •  Benefit from Tink’s ability to handle first and third party aggregated data to the speed of hundreds of transactions per second. We pre-process data so it’s ready to use with fast retrieval and response times without any extra work. But the data is also human- and computer-readable so that you can process and analyse it too. 

See it in action


ABN AMRO's Grip app

Dutch bank ABN AMRO launched its standalone PFM app, Grip, built entirely on top of the Tink platform, based on a customised white-label version of Tink’s own frontend design. A public beta of Grip was live within 90 days of contract signing.

Before the full-market-launch, surveys with 10,000 customers showed that 73% of the respondents would recommend the app to a friend. In addition, one out of two gave the bank a higher overall rating after using the app.

“With an unbeatable time-to-market, the Grip app is one of our most successful partnerships to date.”

- Roland Booijen, Director Apps & Digital Innovation.



Need more advice on options for your business? Get in touch and we’ll help you find out how Tink can create a solution tailored just for you. Or continue exploring our other products Account Aggregation, Payment Initiation and Categorisation.