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Pay by Bank

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Payment blocked

No ‘black box’ in sight

Risk Signals is a fully optimised suite of risk checks and rules built to monitor, manage and block riskier account-to-account payments.

Account Data

Verifies account holder information, checks the account status, identifies suspicious activity, and more.

Live balances

Verifies a user’s ability to pay with real-time balance information including their overdraft, credit lines, and pre-booked orders.

Transaction history

Assesses risk based on recent transactions, chargeback history, and previous non-settled payments.

Velocity checks

Prevents high-velocity attacks with configurable limits for the volume, number, and individual value of transactions.

Tink platform data

Leverage the strength of the Tink network with risk decisions informed by past payment attempts across other apps on the Tink platform

How Risk Signals can help you

Explore our different use cases to see how Tink supports your industry.

Payment platforms

Offer an instant payment confirmation on account-to-account transactions to your merchants with less settlement risk.

Explore the use case


Offer the ultimate checkout experience with instant bank payments – while keeping fraud and chargebacks to a minimum.

Explore the use case


Level up the player experience by crediting accounts immediately, letting users onboard faster without the risk of non-settlement.

Explore the use case

Wealth management

Stand out from the competition by cutting wait times down from days to seconds, ensuring a faster, better investor experience.

Explore account top-ups

We let the numbers do the talking


unique sets of risk checks designed for account-to-account payments


of possible criteria profiles to configure

1 week

average implementation time to date

For industry leaders

“We are delighted to bring Tink’s solutions to Revolut. Our partnership with Tink will enable Revolut to expand our open banking services across new markets in a fast and sustainable way.”

Ivan Chalov

Head of Retail at Revolut

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“Our aim is to always innovate to meet consumer needs by providing a breadth of convenient, fast, and secure payment options. Partnering with Tink for open banking is the latest way we have evolved our technology to deliver on this goal.”

Edgar Verschuur

Head of Global Acquiring at Adyen

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“By teaming up with Tink, we aim to give Lydia’s users the best possible experience and allow them to easily manage their financial daily lives within our app.”

Cyril Chiche

co-founder and CEO of Lydia

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“We’re very pleased to partner with Tink, the leading player in account-to-account payments. Today we handle hundreds of millions of invoices annually for customers in the Nordics. Open banking lets us expand our offering to now also include simple, compliant, and user-friendly payment solutions integrated in our existing channels.”

Mattias Norén

Head of Strategy at PostNord Strålfors

Discover the full story

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.

Explore developer portal

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.