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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


Connections to all major banks across Europe


countries across Europe

Tink API

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.

What does connecting to banks really mean?

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.


Easy-to-follow guides, API reference and sample projects

Introduction to Expense Check
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
Fetch your first Expense Check report

Get started with Expense Check by fetching end-user expenses.

Test different Expense Check scenarios
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.

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.