Comparison · 2026 edition
Tink vs Yapily: open banking compared 2026.
Tink and Yapily side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
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Tink and Yapily 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 3.5 (70), ranking 2 and 3 of 12. Tink also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Tink | Yapily |
|---|---|---|
| Score out of 5 | 3.8 | 3.5 |
| Score out of 100 | 76 | 70 |
| Overall rank | 2 of 12 | 3 of 12 |
| For payment and e-money firms (out of 100) | 83, rank 2 | 77, rank 3 |
| For lenders and fintech apps (out of 100) | 76, rank 2 | 67, rank 3 |
| For merchants and platforms (out of 100) | 69, rank 2 | 66, rank 3 |
| Type | Open banking data and payments platform | Open banking API platform |
Each score with the evidence behind it.
| Criterion | Tink | Yapily |
|---|---|---|
| Bank coverage | 5/5 3,000+ connections across 18 countries published. | 5/5 2,000 institutions across 19 countries published. |
| Product range | 5/5 Account data, pay by bank, VRP, payouts and refunds all published. | 5/5 Account data, payments, VRP and bulk payments published. |
| Published pricing | 0/5 Not published for new customers. | 0/5 Not published. |
| Regulatory standing | 5/5 Licences with numbers from Swedish, German and UK regulators. | 5/5 FCA and Bank of Lithuania licences with numbers published. |
| Integration | 4/5 SDKs, API reference, hosted Tink Link, console and sign-up; sandbox not confirmed on the pages read. | 4/5 API docs, console, demo app and sign-up; SDKs and sandbox not confirmed on the pages read. |
| Security certifications | 3/5 SOC 2 Type II published; ISO 27001 not stated. | 0/5 Not published on the pages read. |
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 | Tink | Yapily |
|---|---|---|
| Bank coverage | FAQ: "Tink has 3000+ connections to banks and financial institutions across 18 countries." | "Explore over 2,000 institutions directly integrated in 19 countries", "with the majority of banks covered in the UK and Germany". |
| Product range | Products: Pay by Bank ("instant payments and refunds"), Sweeping Variable Recurring Payments, Payouts, Account Check, Transactions, Income Check and Risk Insights. | Products listed: Payments, Variable Recurring Payments, Commercial VRP, Bulk Payments, Data, Data Plus and Validate. |
| Pricing | "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". | "Tailored pricing for every business"; "Let's talk". No prices published. |
| Regulatory standing | 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. | "Yapily Connect Ltd is regulated by the UK Financial Conduct Authority with no. 827001"; "Yapily Connect UAB is regulated by the Bank of Lithuania with no. LB002045". |
| Integration | "Our SDKs make it fast and easy to build"; API reference, Tink Link demo, Tink Console to configure products, online sign-up. | API docs "designed so AI coding agents can connect directly", Customer Console, demo app, "Get Started" sign-up. |
| Security certifications | "Our systems are SOC 2 Type II compliant, covering Trust Service Criteria for Security & Availability." ISO 27001 not stated on the pages read. | Not published on the pages read. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Tink: security certifications, published pricing and integration.
Not published or not stated by Yapily: pricing, security certifications and integration.
Facts read on 26 October 2026 from: tink.com, tink.com/pricing, tink.com/faq, tink.com/legal/faq, tink.com/products/pay-by-bank; and yapily.com, yapily.com/pricing, yapily.com/product/open-banking-country-coverage, yapily.com/legal.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Banks, lenders and payment firms across Europe wanting licences in three regions.
Payment firms and software platforms needing UK and EU coverage including business accounts.
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