Verify with bank
Select bank
Authenticate
Approval
Help comply with regulations
Document validated regular expenses to meet new regulatory creditworthiness guidelines accelerated by EBA and local authorities.
Improve UX and increase conversion
Simplify the application process with pre-filled fields application forms and verified transaction data instead of manual input and paperwork from the applicants.
Accurately calculate applicant budgets
Get a granular set of relevant transactions to feed into your affordability analysis and improve your underwriting process.
Key data points
Access multiple real-time data points to make a more confident lending decision with Expense Check.
Active monthly category spend
Housing, loans, utilities, groceries, transport, childcare, insurances, healthcare, subscriptions and more.
Loan payments and other flows
Credit card, loan payments, regular and irregular transfers to external banks.
Savings and investments
Regular and irregular transfers to investment platforms and savings accounts.
Discretionary spending
Transactions outside of key categories are identified.
How can Expense Check help you?
Dive in to some of our use cases to learn how Expense Check can help you stay compliant, gain a clearer picture on an applicant’s creditworthiness and approve with more confidence.
Assess affordability and stay compliant
Tink’s solutions with value-added intelligence on top of open banking data help lenders understand an applicant’s budget and comply with local requirements.
Get better insight on customer affordability
A seamless way of determining a customer's risk exposure at the time of application and gain a clear understanding of their financials.
Gain confidence on marginal approvals
Tink offers a granular way of determining the applicant's income, expense and risk behaviour highlighting their risk exposure and affordability.
Tick all of the boxes with Expense Check
Meet the Tink platform
An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.
Tink API
One integration connects you to
6,000+
Connections to all major banks across Europe
18
countries across Europe
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Console - your open banking control panel
Easily tap into the world of open banking with the Tink Console – an intuitive developer interface that lets you access financial data and configure, customise, and manage your applications.
‘Best Developer Dashboard’
DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience.
Setup and configuration
Configure, customise, manage, and deploy access to the financial data powering your apps.
Usage reports
Get real-time usage and performance reports without the need for a third-party solution.
Team roles
Give the right level of access to team members within your organisation.
Explore the full range of products through Tink Console, using test bank data for the complete testing experience. Dive into guides, resources and sample projects below to help you get up and running with your account.
Documentation
Easy-to-follow guides, API reference and sample projects
Introduction to Expense Check
Expense Check allows you to assess client affordability in minutes. We offer a standardized JSON report with data that's fetched in real time.
Fetch your first Expense Check report
Get started with Expense Check by fetching end-user expenses.
Test different Expense Check scenarios
Test your integration without using real bank credentials.
Market coverage
Click on the flags to explore each country’s connection capabilities
When will my country be covered?
We’re always looking to improve and expand our services. If you’d like to use this product outside of our current coverage please contact us.
Expense Check related articles
The regulatory requirements in store for lenders – and how open banking can help
In the wake of the pandemic and the digital transformation of finance, consumers are borrowing money they can’t afford to pay back. But open banking holds the key to safely assess applicants’ creditworthiness.
A simple way to improve risk decisioning
Having a more holistic picture of someone’s financial situation can make all the difference when it comes to making well-grounded risk decisions. Luckily, open banking makes it a lot easier to build strong risk profiles. Here’s how.
Get to know the tech behind better risk assessments
Open banking can help make better informed risk decisions – but access to data is just a part of the puzzle. Find out why quality account aggregation and data enrichment are the foundations of a standout risk assessment process.
Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.
