Provider profile · 2026 edition
Tink review 2026: scores, pricing and alternatives.
A Swedish open banking platform, owned by Visa, for account data and bank payments.
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A Swedish open banking platform, owned by Visa, for account data and bank payments.
Tink scores 3.8 out of 5 (76 out of 100) in the Buckingham Intelligence Open Banking and Account-to-Account Payments Index 2026 and ranks 2 of 12. It is strongest for banks, lenders and payment firms across Europe wanting licences in three regions, with 5 out of 5 for bank coverage, product range and regulatory standing. Not published or not stated on the pages read: security certifications, published pricing and integration.
Scores from the Open Banking and Account-to-Account Payments Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 83 | 2 of 12 |
| For lenders and fintech apps | 76 | 2 of 12 |
| For merchants and platforms | 69 | 2 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Banks, lenders and payment firms across Europe wanting licences in three regions.
What Tink publishes on its own pages, read on 26 October 2026.
A Swedish open banking platform, owned by Visa, for account data and bank payments. It publishes 3,000+ bank connections in 18 countries, all four product types, licences with numbers from Swedish, German and UK regulators, and SOC 2 Type II. Prices are shown only to existing customers.
| Fact | What the provider publishes |
|---|---|
| Bank coverage | FAQ: "Tink has 3000+ connections to banks and financial institutions across 18 countries." |
| Product range | Products: Pay by Bank ("instant payments and refunds"), Sweeping Variable Recurring Payments, Payouts, Account Check, Transactions, Income Check and Risk Insights. |
| 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". |
| 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. |
| Integration | "Our SDKs make it fast and easy to build"; API reference, Tink Link demo, Tink Console to configure products, online 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. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
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.
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Plaid | 3.9 | 1 of 12 | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| Yapily | 3.5 | 3 of 12 | Payment firms and software platforms needing UK and EU coverage including business accounts |
| Trustly | 3.3 | 4 of 12 | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| Salt Edge | 3.3 | 5 of 12 | Lenders and payment firms needing data from many countries |
| GoCardless | 3.0 | 6 of 12 | UK businesses collecting recurring payments by direct debit and pay by bank |
| Volt | 2.8 | 7 of 12 | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| Finverse | 2.7 | 8 of 12 | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| Basiq | 2.5 | 9 of 12 | Australian lenders and fintech apps using Consumer Data Right data |
| TrueLayer | 2.1 | 10 of 12 | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| Token.io | 1.9 | 11 of 12 | Banks, acquirers and gateways adding pay by bank to their own offer |
| Brankas | 1.8 | 12 of 12 | Banks and fintechs in Southeast Asia building payment and data products |
Full Open Banking and Account-to-Account Payments Index ranking
Side by side on every criterion, fact and award.
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