aid: tink-com url: https://raw.githubusercontent.com/api-evangelist/tink-com/refs/heads/main/apis.yml name: Tink description: >- Tink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections across Europe and a US Pay by Bank stack. Tink exposes a single API for PSD2-aggregated bank data (Accounts, Transactions, Balances, Identities, Investments, Loans), value-added risk reports (Account Check, Business Account Check, Income Check, Expense Check, Risk Insights, Risk Categorisation), Money Manager BFM, Data Enrichment, and PSD2 Payment Initiation Services (Pay by Bank, Auto Payments, Variable Recurring Payments, Mandates, Refunds, Payouts). Authentication is OAuth 2.0 with delegated user consent through the Tink Link hosted flow. image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg tags: - Open Banking - PSD2 - Payment Initiation - Account Aggregation - Risk Decisioning - Pay by Bank - Finance - Banking - Europe - Visa created: '2026-05-25' modified: '2026-05-25' maintainers: - FN: API Evangelist email: info@apievangelist.com X-twitter: '@apievangelist' kind: contract access: 3rd-Party apis: - aid: tink-com:tink-oauth-api name: Tink OAuth API description: OAuth 2.0 client-credentials, refresh, and delegated authorization-grant endpoints that gate every Tink API. Includes permanent user creation and Tink Link session delegation. humanURL: https://docs.tink.com/api-reference/auth-api baseURL: https://api.tink.com tags: - OAuth - Authentication - Users properties: - url: https://docs.tink.com/api-reference/auth-api type: Documentation - url: openapi/tink-oauth-api-openapi.yml type: OpenAPI - url: capabilities/oauth.yaml type: NaftikoCapability - aid: tink-com:tink-account-check-api name: Tink Account Check API description: Verify that a bank account belongs to the consumer or business presenting it. Returns verified account, identity, balance, and user-match results as JSON or PDF. Includes Business Account Check and Tink Link session creation with user info for identity matching. humanURL: https://docs.tink.com/resources/account-check baseURL: https://api.tink.com tags: - Account Check - Account Verification - KYC - Onboarding properties: - url: https://docs.tink.com/resources/account-check type: Documentation - url: openapi/tink-account-check-api-openapi.yml type: OpenAPI - url: json-schema/tink-account-verification-report-schema.json type: JSONSchema - url: examples/tink-account-verification-report-example.json type: Example - url: capabilities/account-check.yaml type: NaftikoCapability - aid: tink-com:tink-data-api name: Tink Data API description: Read consented bank data from 6,000+ European banks. Lists accounts, balances, transactions, account parties, identities, investment holdings, and loan accounts. Includes on-demand balance refresh, credentials management, and provider-consent inspection. humanURL: https://docs.tink.com/resources/transactions baseURL: https://api.tink.com tags: - Accounts - Transactions - Balances - Identities - Investments - Loans properties: - url: https://docs.tink.com/resources/transactions type: Documentation - url: openapi/tink-data-api-openapi.yml type: OpenAPI - url: json-schema/tink-transaction-schema.json type: JSONSchema - url: examples/tink-transaction-example.json type: Example - url: capabilities/data-transactions.yaml type: NaftikoCapability - aid: tink-com:tink-data-enrichment-api name: Tink Data Enrichment API description: Categorise raw bank transactions, identify the merchant, detect confirmed recurring transactions, and predict future recurring payments. Powers Money Manager, Expense Check, Income Check, and Risk Insights downstream. humanURL: https://docs.tink.com/resources/data-enrichment baseURL: https://api.tink.com tags: - Data Enrichment - Categorisation - Recurring Transactions - Merchants properties: - url: https://docs.tink.com/resources/data-enrichment type: Documentation - url: openapi/tink-data-enrichment-api-openapi.yml type: OpenAPI - url: capabilities/data-enrichment.yaml type: NaftikoCapability - aid: tink-com:tink-payments-api name: Tink Payments API description: PSD2 Payment Initiation Services. Initiate single payments, refunds, payouts, and create mandates for Auto Payments and sweeping Variable Recurring Payments. Available in EU under PSD2 and in the US via the Pay by Bank stack at api.us.tink.com. humanURL: https://docs.tink.com/resources/payments baseURL: https://api.tink.com tags: - Payments - Payment Initiation - PSD2 - Pay by Bank - Mandates - Refunds - Variable Recurring Payments properties: - url: https://docs.tink.com/resources/payments type: Documentation - url: openapi/tink-payments-api-openapi.yml type: OpenAPI - url: json-schema/tink-payment-schema.json type: JSONSchema - url: examples/tink-payment-example.json type: Example - url: capabilities/payments.yaml type: NaftikoCapability - aid: tink-com:tink-risk-reports-api name: Tink Risk and Reports API description: Decisioning-grade reports built on aggregated bank data — Income Check, Expense Check, Risk Insights, and Risk Categorisation — for affordability, underwriting, and lending decisions. humanURL: https://docs.tink.com/resources/risk-insights baseURL: https://api.tink.com tags: - Risk - Income Check - Expense Check - Risk Insights - Risk Categorisation - Lending - Affordability properties: - url: https://docs.tink.com/resources/risk-insights type: Documentation - url: https://docs.tink.com/resources/income-check type: Documentation - url: https://docs.tink.com/resources/expense-check type: Documentation - url: openapi/tink-risk-reports-api-openapi.yml type: OpenAPI - url: capabilities/risk-reports.yaml type: NaftikoCapability - aid: tink-com:tink-money-manager-api name: Tink Money Manager API description: Personal and business financial-management surface. Cash-flow summaries, recurring and one-off business budgets, a financial calendar of bills and invoices, and reconciliations against bank transactions. humanURL: https://docs.tink.com/resources/money-manager baseURL: https://api.tink.com tags: - Money Manager - BFM - Cash Flow - Budgets - Financial Calendar properties: - url: https://docs.tink.com/resources/money-manager type: Documentation - url: openapi/tink-money-manager-api-openapi.yml type: OpenAPI - url: capabilities/money-manager.yaml type: NaftikoCapability - aid: tink-com:tink-connector-api name: Tink Connector API description: Push partner-collected accounts and transactions into the Tink platform so they benefit from Tink categorisation, recurring detection, Money Manager, and risk reporting alongside PSD2-aggregated data. humanURL: https://docs.tink.com/resources/connector baseURL: https://api.tink.com tags: - Connector - Data Ingestion properties: - url: https://docs.tink.com/resources/connector type: Documentation - url: openapi/tink-connector-api-openapi.yml type: OpenAPI - url: capabilities/connector.yaml type: NaftikoCapability - aid: tink-com:tink-webhooks-api name: Tink Webhooks API description: Register webhook endpoints that receive asynchronous events when reports are ready, payments and refunds change status, or consented bank data is refreshed. humanURL: https://docs.tink.com/resources/webhooks baseURL: https://api.tink.com tags: - Webhooks - Events properties: - url: https://docs.tink.com/resources/webhooks type: Documentation - url: openapi/tink-webhooks-api-openapi.yml type: OpenAPI - url: capabilities/webhooks.yaml type: NaftikoCapability common: - url: https://tink.com/ type: Portal name: Tink Home - url: https://docs.tink.com/ type: Documentation name: Tink Developer Docs - url: https://console.tink.com/ type: Console name: Tink Console - url: https://tink.com/contact-sales/ type: SignUp name: Contact Sales - url: https://tink.com/pricing/ type: Pricing name: Tink Pricing - url: https://status.tink.com/ type: StatusPage name: Tink Status - url: https://docs.tink.com/changelog type: ChangeLog name: Tink Changelog - url: https://tink.com/blog/ type: Blog name: Tink Blog - url: https://tink.com/terms-and-conditions/ type: TermsOfService name: Terms and Conditions - url: https://tink.com/privacy-policy/ type: PrivacyPolicy name: Privacy Policy - url: https://tink.com/security/ type: Security name: Tink Security - url: https://github.com/tink-ab type: GitHubOrganization name: Tink on GitHub - url: https://www.linkedin.com/company/tink-ab/ type: LinkedIn name: Tink on LinkedIn - url: https://github.com/tink-ab/tink-postman type: Postman name: Tink Postman Collections (EU) - url: https://github.com/tink-ab/tink-postman-us type: Postman name: Tink Postman Collections (US) - url: https://github.com/tink-ab/tink-link-android type: SDK name: Tink Link Android SDK - url: https://github.com/tink-ab/tink-link-ios type: SDK name: Tink Link iOS SDK - url: https://github.com/tink-ab/tink-money-manager-android type: SDK name: Tink Money Manager Android SDK - url: https://github.com/tink-ab/tink-money-manager-ios type: SDK name: Tink Money Manager iOS SDK - url: https://github.com/tink-ab/terraform-provider-buildkite type: Tools name: Tink Terraform Provider for Buildkite - url: rules/tink-rules.yml type: SpectralRules name: Tink Spectral Ruleset - url: vocabulary/tink-com-vocabulary.yml type: Vocabulary name: Tink Vocabulary - url: json-ld/tink-com-context.jsonld type: JSONLD name: Tink JSON-LD Context - url: plans/tink-com-plans-pricing.yml type: Plans name: Tink Plans and Pricing - url: rate-limits/tink-com-rate-limits.yml type: RateLimits name: Tink Rate Limits - url: finops/tink-com-finops.yml type: FinOps name: Tink FinOps Surface - type: Features name: Features data: - name: 6,000+ Bank Connections description: PSD2 and non-PSD2 connectivity across the Nordics, UK, DACH, Benelux, France, Iberia, Italy, Ireland, and Poland. - name: PSD2 Payment Initiation description: Single API for one-off payments, Variable Recurring Payments, Auto Payments, payouts, refunds, and mandates. - name: Account Check and Business Account Check description: Verified account ownership for individuals and businesses with optional identity match (name, DOB, address). - name: Risk Insights and Risk Categorisation description: Lender-grade affordability and risk-decisioning reports built on aggregated bank data. - name: Income Check and Expense Check description: Verified income streams and categorised expenses for underwriting and KYC. - name: Money Manager description: Cash-flow summaries, budgets, financial calendar, and reconciliations for SMB and personal apps. - name: Data Enrichment description: Tink categorisation taxonomy, merchant identification, and recurring-transaction detection and prediction. - name: Connector API description: Push partner-collected data into the Tink platform for downstream enrichment and reporting. - name: Tink Link description: Hosted bank-consent UX handling SCA and bank app-to-app redirects on mobile. - name: Webhooks description: Asynchronous notifications for report completion, payment and refund status, and credentials updates. - name: SOC 2 Type II and PSD2 Licence description: Single PSD2 licensed integration removes the need for customers to obtain their own PSD2 authorisation. - type: UseCases name: UseCases data: - name: Onboarding and KYC description: Verify bank ownership and identity match in seconds with Account Check. - name: Affordability and Underwriting description: Risk Insights, Income Check, and Expense Check inform consumer and SMB lending decisions. - name: Pay by Bank Checkout description: Initiate account-to-account payments at checkout with one-off PIS or Auto Payments. - name: Subscription Billing description: Sweeping Variable Recurring Payments collect recurring charges directly from the customer's bank. - name: Business Financial Management description: Embed Money Manager dashboards in SMB banking and accounting apps. - name: PFM and Personal Banking description: Power personal finance experiences with categorised transactions and recurring detection. - name: Payouts description: Disburse funds back to a verified bank account using PIS payouts. - name: Open Finance Composition description: Stitch PSD2 data with partner-collected data via Connector API for a unified view. - type: Integrations name: Integrations data: - name: Visa description: Tink is a Visa solution following the 2022 acquisition; integrates with Visa's payment and risk products. - name: Adyen description: Pay by Bank rails for Adyen merchants. - name: Revolut description: Open Banking data and payments connectivity for Revolut. - name: Younited description: Risk decisioning powered by Tink for the European consumer lender. - name: Bank Norwegian description: Account aggregation and risk reports for the Nordic digital bank. - name: PostNord Strålfors description: Payment Initiation Services for the Nordic communications and logistics group. - type: Solutions name: Solutions data: - name: Banking description: Aggregation, money management, and PIS for retail and business banking platforms. - name: Lending description: Income, expense, risk, and account verification for credit underwriting. - name: Payments description: Pay by Bank, VRP, mandates, refunds, and payouts for ecommerce, billers, and PSPs. - name: Wealth and Investments description: Holdings, loans, and balance aggregation for wealth-management and PFM apps. - name: SMB description: Money Manager BFM, business budgets, cash-flow, and Business Account Check for SMB platforms.