Verify with bank
Select bank
Authenticate
Approval
Document validated regular expenses to meet new regulatory creditworthiness guidelines accelerated by EBA and local authorities.
Simplify the application process with pre-filled fields application forms and verified transaction data instead of manual input and paperwork from the applicants.
Get a granular set of relevant transactions to feed into your affordability analysis and improve your underwriting process.
Access multiple real-time data points to make a more confident lending decision with Expense Check.
Housing, loans, utilities, groceries, transport, childcare, insurances, healthcare, subscriptions and more.
Credit card, loan payments, regular and irregular transfers to external banks.
Regular and irregular transfers to investment platforms and savings accounts.
Transactions outside of key categories are identified.
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.
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.
A seamless way of determining a customer's risk exposure at the time of application and gain a clear understanding of their financials.
Tink offers a granular way of determining the applicant's income, expense and risk behaviour highlighting their risk exposure and affordability.
An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.
One integration connects you to
Connections to all major banks across Europe
countries across Europe
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
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
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.
DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience.
Configure, customise, manage, and deploy access to the financial data powering your apps.
Get real-time usage and performance reports without the need for a third-party solution.
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.
Easy-to-follow guides, API reference and sample projects
Expense Check allows you to assess client affordability in minutes. We offer a standardized JSON report with data that's fetched in real time.
Get started with Expense Check by fetching end-user expenses.
Test your integration without using real bank credentials.
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.
Contact our team to learn more about what we can help you build – or create an account to get started right away.