Powering open banking success stories
Solutions that power the best customer journeys in payments and financial services. One platform, one API, millions of connected accounts - endless opportunities.
Why market leaders are choosing Tink
Scaling that goes up to the billions
More than having the broadest, most reliable connections across Europe, the Tink platform has the scale to suit big international customers. We handle over 1bn monthly API calls with 99.9%+ uptime.
Proven solutions, loved by millions
Our tech is behind some of the most successful and appreciated financial services brought to millions of consumers by industry leaders like PayPal, Lydia and EnelX, among others.
One platform, endless possibilities
We offer a range of products that can help businesses achieve a series of different goals. From streamlining onboarding, attracting new users with award-winning apps – to processing millions in payments.
Powering use cases across industries
Banking
Attract new customers and increase efficiency
Up the digital banking experience and increase operational efficiency with high-quality financial data. Open banking helps banks deliver sleek solutions to attract and engage customers while reducing risk.
Attract new customers and increase efficiency
Up the digital banking experience and increase operational efficiency with high-quality financial data. Open banking helps banks deliver sleek solutions to attract and engage customers while reducing risk.
Lending
Make faster and more accurate credit decisions
Tink connects lenders to consumers’ bank data to make real-time assessments based on consumers’ financial behaviour. More accurate data in risk assessments helps lenders accept more – at less risk.
Payments
Build simpler, faster, and more efficient payment flows
Tink brings together everything you need to create low-cost, high-performing payment journeys with open banking. Companies like Lydia and Kivra use Tink to manage payments, onboard customers, and more.
The Tink offering
Payments
Increase engagement and conversion by giving your customers a fully embedded payments experience – at a fraction of the cost.
Variable Recurring Payments
Smarter, faster recurring payments. VRPs are the new way to enable frictionless, real-time open banking payments.
Payouts
Increase customer loyalty with instant refunds and withdrawals.
Risk Signals
Increase settlement rates, prevent fraud, and unlock faster payments with risk tools built for account-to-account payments.
Account Check
Confirm account ownership with real-time data straight from a user’s bank account, creating a quick and simple payment setup process.
Business Account Check
Instantly verify business account ownership with data straight from banks for quick and easy merchant onboarding, payouts or direct debit setup.
Transactions
Get real-time transaction data - straight from banks, and delivered in a standardised format.
Business Transactions
Get real-time transaction data from business accounts – straight from banks, and delivered in a standardised format.
Investments
Confirm account ownership with real-time data straight from a user’s investment bank account, creating a quick and seamless onboarding process
Loans
Confirm loan account ownership with real-time data straight from a user’s loan account, creating a quick and seamless process
Balance Check
Maximise payment success with instant balance checks.
Income Check
Optimise credit decisions and understand your customers’ true financial capacity by instantly verifying income using real-time data.
Expense Check
Determine spending patterns and how much is recurring on a monthly basis.
Risk Insights
Start assessing creditworthiness with real time, up-to-date and verified data giving unique insights into spending behaviours.
Money Manager
Build smart, intuitive personal finance management applications that give your customers tools and personalised insights to better manage their money.
Data Enrichment
Enrich consumer data to bring more value with innovative features.
For businesses and ideas of all sizes
If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes.
Interested in how Tink can help your business?
For businesses and ideas of all sizes
If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes.
Interested in how Tink can help your business?
What you get with Tink’s tech
Plug-and-play technology through one API
Tap into our technology – on a single cloud-based platform – through one API integration.
No PSD2 license required
Using our ready-made authentication flows lets you operate under our PSD2 license.
Breadth and quality of data
We aggregate both PSD2 and non-PSD2 data through reliable connections to European banks and financial institutions.
Loved by developers
Our SDKs make it fast and easy to build great products using our connectivity and data services.
Security you can trust
We’re an ISO 27001-certified company, and all customer data is encrypted in transit and at rest.
Latest from the Tink blog
Livia Kathi – how to accelerate adoption of Pay by Bank
Livia Kathi, Tink’s Product Solutions Director, is spearheading our Pay by Bank drive in the challenging realm of ecommerce. Learn more about the crucial factors of user experience, building trust, and incentives.
Discussing sustainable banking with ecolytiq
In our latest webinar, we’re joined by David Lais, Co-Founder & Managing Director of ecolytiq to discuss how we have partnered to create a seamless way for banks to seize the opportunity and offer combined financial and sustainability coaching – and what we can expect for the future.
The ultimate guide for creating a brilliant Pay by Bank user experience
At Tink, we’re pretty excited about Pay by Bank. Our new, in-depth UX guide tells you how to make the most of this innovative payment solution.
Tink's new research
Our new research highlights the opportunity for banks to play a bigger role in helping customers make more sustainable choices.
