Tink
PSD2-compliant open banking for account aggregation, payment initiation, and finance data.
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Overview
Tink is an open banking platform covering PSD2 account access and payment initiation across European banks. It has been owned by Visa since 2022.
Products include account aggregation, payment initiation, transaction enrichment with merchant and category data, risk insights, and account ownership verification. Coverage and data quality vary by market and by institution, since PSD2 sets a minimum standard rather than a uniform one.
Common use cases
- Aggregate account balances across European banks
- Initiate a SEPA payment directly from a bank account
- Enrich raw transactions with merchant and category data
- Verify account ownership before onboarding
Key Features
- PSD2-compliant account aggregation across 3,400+ European banks
- Payment initiation with SEPA, UK Faster Payments, and more
- Transaction enrichment with merchant and category data
- Income and expense categorization for PFM applications
- Risk Insights with AI-powered transaction scoring
- Account Check for real-time account holder verification
- Data quality scoring for transaction reliability
- European-wide coverage with strong regulatory compliance
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