Deutsche Bahn and Tink partner for enhanced direct debit setups

6 MARCH 2024: Deutsche Bahn (DB), the national railway company of Germany, and Tink, a market-leading payment services and data enrichment platform, have partnered up for direct debit setups. DB enables customers using its modern mobility sharing systems, run by the subsidiary DB Connect, to seamlessly connect their bank accounts for easier account onboarding. This includes using Tink’s Account Check for ‘Flinkster’, Germany’s largest car sharing network and ‘Call a Bike’, one of the biggest bike sharing systems in the country – helping people to cut their carbon emissions and travel in a more sustainable way.

Account Check helps to enhance direct debits setups, increases conversion and ensures the correct account will be charged every time a car or bike is used.

Tink’s Account Check works by instantly verifying account details using real-time data straight from a user’s bank account, with explicit consent. Verifying account details reduces the risk of fraud since the information is coming directly from the user’s bank, making the set-up instant, easy and secure.

By removing the need for manual entry in setting up direct debits, Account Check also minimises user error, and significantly streamlines the user experience. With instant and frictionless verification, Tink’s product boosts efficiency and enables payments to be taken securely with speed and accuracy.

Clemens Rath, Head of Product Management Bike Sharing at DB Connect commented: “Since we introduced Account Check, only valid direct debit mandates have been generated. Fraudulent direct debit mandates are prevented by validating the data directly with the customer’s bank. This underlines our commitment to the highest security standards and enables us to guarantee the integrity of our service.”

Thomas Gmelch, Director of Payments Sales (DACH) at Tink added: “Teaming up with DB Connect is a great example of how we can help businesses provide the best possible onboarding experience, while also supporting DB in helping consumers to minimise carbon emissions. Account verification can be completed in an instant. And with just a few clicks. It reduces failed payments, helps protect against fraud and boosts efficiency – adding value for both businesses and consumers.  By making the process faster and more accurate, we can reduce costs and enhance the customer experience.”

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About Tink

Tink is a market-leading payment services and data enrichment platform. Through more than 6,000 connections to banks, Tink provides payments, banking, and lending solutions that power the new world of finance – whether that’s making account-to-account payments, onboarding new users, making better risk decisions or creating engaging money management tools. A wholly owned subsidiary of Visa, Tink was founded in Stockholm in 2012 as a pioneer of open banking.

Today, Tink is present in 19 markets with an enhanced fintech platform that goes beyond its open banking beginnings, to serve many of the world’s largest financial institutions. Tink enables its partners to take processes that are filled with friction and replace them with data-driven experiences that helps eliminate complexity for millions of consumers across the globe. For more information visit

About Deutsche Bahn

The DB Group is one of the world’s leading mobility and logistics companies. The DB employs more than 330,000 people around the globe. We design and operate the transport networks of the future. Through the integrated operation of traffic and railway infrastructure as well as the economically and ecologically intelligent connection of all modes of transport, we move people and goods. For more information visit:

Contact details

Linda Winder, PR & Communications Director,, +44 7809265941