Comparison · 2026 edition
Salt Edge vs Tink: open banking compared 2026.
Salt Edge and Tink side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
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Salt Edge and Tink side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
In the Open Banking and Account-to-Account Payments Index, Tink scores higher overall: 3.8 out of 5 (76 out of 100) against 3.3 (66), ranking 2 and 5 of 12. Tink also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Salt Edge | Tink |
|---|---|---|
| Score out of 5 | 3.3 | 3.8 |
| Score out of 100 | 66 | 76 |
| Overall rank | 5 of 12 | 2 of 12 |
| For payment and e-money firms (out of 100) | 69, rank 5 | 83, rank 2 |
| For lenders and fintech apps (out of 100) | 67, rank 4 | 76, rank 2 |
| For merchants and platforms (out of 100) | 61, rank 6 | 69, rank 2 |
| Type | Open banking and open finance platform | Open banking data and payments platform |
Each score with the evidence behind it.
| Criterion | Salt Edge | Tink |
|---|---|---|
| Bank coverage | 5/5 5,000+ institutions across 50+ countries published. | 5/5 3,000+ connections across 18 countries published. |
| Product range | 4/5 Account data, payments, payouts and refunds published; VRP not named. | 5/5 Account data, pay by bank, VRP, payouts and refunds all published. |
| Published pricing | 0/5 Not published on the pages read. | 0/5 Not published for new customers. |
| Regulatory standing | 3/5 One FCA licence with number; EU licence not detailed. | 5/5 Licences with numbers from Swedish, German and UK regulators. |
| Integration | 4/5 Self-serve API keys, documentation and dashboard; SDKs not confirmed on the pages read. | 4/5 SDKs, API reference, hosted Tink Link, console and sign-up; sandbox not confirmed on the pages read. |
| Security certifications | 3/5 ISO 27001 published. | 3/5 SOC 2 Type II published; ISO 27001 not stated. |
Each criterion is scored 0 to 5 against the best published offer in the Open Banking and Account-to-Account Payments Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Salt Edge | Tink |
|---|---|---|
| Bank coverage | "Connect to over 5,000 financial institutions across 50+ countries through one unified platform." | FAQ: "Tink has 3000+ connections to banks and financial institutions across 18 countries." |
| Product range | Data Aggregation, Data Enrichment, Financial Insights, Pay by bank ("Pay with any bank from Europe & UK"), Bulk Payments and "Instant payouts and refunds". VRP not named on the pages read. | Products: Pay by Bank ("instant payments and refunds"), Sweeping Variable Recurring Payments, Payouts, Account Check, Transactions, Income Check and Risk Insights. |
| Pricing | Pricing page could not be opened (page not found). Not published on the pages read. | "The prices listed on this page are applicable exclusively to our existing customers"; new clients "should contact our sales team". Standard and Enterprise plans: "Contact us" and "Custom pricing". |
| Regulatory standing | Salt Edge Limited, "registered in England and Wales (#11178811) and authorized by the FCA (#822499)"; homepage states "PSD2-licensed". | Tink AB, Swedish Financial Supervisory Authority, SFSA ID 44059; Tink Germany GmbH, BaFin-ID 10152149; Tink Financial Services Limited, FCA FRN 988456; each licensed for account information and payment initiation services. |
| Integration | "Get API keys" self-serve; Account Information and Payment Initiation docs, dashboard and TPP developer portal. | "Our SDKs make it fast and easy to build"; API reference, Tink Link demo, Tink Console to configure products, online sign-up. |
| Security certifications | "We are ISO 27001-certified". | "Our systems are SOC 2 Type II compliant, covering Trust Service Criteria for Security & Availability." ISO 27001 not stated on the pages read. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Salt Edge: product range, pricing and integration.
Not published or not stated by Tink: security certifications, published pricing and integration.
Facts read on 26 October 2026 from: saltedge.com; and tink.com, tink.com/pricing, tink.com/faq, tink.com/legal/faq, tink.com/products/pay-by-bank.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Lenders and payment firms needing data from many countries.
Banks, lenders and payment firms across Europe wanting licences in three regions.
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