Verify with bank
Select bank
Authenticate
Approval
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?
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.
Learn moreGet 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.
Learn moreGain 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.
Learn moreTink 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
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.
Read more
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.
Read moreExpense 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.
