Tink
Tink is a Stockholm-based cloud open banking platform, wholly owned by Visa, providing account aggregation, payment initiation and data enrichment APIs to 300+ banks, fintechs and merchants across 18–19 European markets.
- Company typePrivate
- Founded2012
- HeadquartersStockholm, Sweden
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Tink does
Tink is a Stockholm-headquartered cloud-based open banking platform that operates as a wholly owned subsidiary of Visa, following its €1.8 billion acquisition completed in March 2022. The platform connects to more than 3,000 banks (company-claimed 6,000+) across 18–19 European markets — covering the Nordics, UK, Ireland, DACH, France, Benelux, Italy, Spain, Portugal, Poland and the Baltics — and reaches over 250 million bank customers through approximately 500 employees.
The technical architecture is built around a single API that bundles three product families. Account Aggregation (AIS) and Data Enrichment provide categorized transactions, merchant information, sustainability indicators, risk insights and personal-finance-management tooling (Money Manager, Invest
Tink firmographics
Firmographics- Name
- Tink
- Legal name
- Tink AB
- Website
- https://tink.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Tink is a Stockholm-based cloud open banking platform, wholly owned by Visa, providing account aggregation, payment initiation and data enrichment APIs to 300+ banks, fintechs and merchants across 18–19 European markets.
- Ownership category
- akta.pro rank
Tink industry classification
Industry- Product category
- Open Banking Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Web Search Portals and All Other Information Services (519290)
- SIC
- Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
- akta.pro secondary industry
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
Keywords
Where Tink is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices3 records
Markets served
Tink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- API Access and Platform Fees: Tink charges for API access to its open banking platform, providing account aggregation, payment initiation, and data enrichment services through one integration
- Payment Transaction Fees: Revenue generated from payment initiation services, including Pay by Bank transactions and variable recurring payments
- Data and Analytics Services: Fees for data enrichment, risk assessment, income verification, and other value-added analytics services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise tier for major banks and fintechs |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Tink product offering
Product offeringCore offering
Tink is a cloud-based open banking platform that provides account aggregation, payment initiation, and data enrichment services through a single API. The platform enables banks, fintechs, lenders, and merchants to connect to customers' bank accounts, initiate payments directly from bank accounts, and enrich financial transaction data with merchant, category, and location information.
Product overview
Tink is a cloud-based open banking platform offering payment services and data enrichment solutions through a unified API. The platform operates on a platform-plus-modules architecture consisting of core payment initiation products (Pay by Bank, Auto Payments, Sweeping Variable Recurring Payments, Payouts) and account information/verification products (Account Check, Business Account Check, Transactions, Business Transactions), supplemented by data and analytics modules (Income Check, Expense Check, Balance Check, Risk Signals, Risk Insights, Money Manager, Data Enrichment, Investments, Loans, Merchant Information). Through a single API integration, Tink enables financial institutions, fintechs, and merchants to access aggregated financial data, initiate payments, enrich transactions, verify account ownership, and build personal finance management tools. The platform connects to over 3,000 European banks across 19 markets reaching 250+ million bank customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay by Bank
Quantifiable outcome
- Reduced loan application processing time to under 10 minutes for Bank Norwegian and GF Money
- +5 more outcomes
Companies that use Tink
Customer profileNamed customers26 records
Segments5 records
Ideal customer profiles4 records
Tink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature14 records
Tink partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- Fidelity InternationalcorePartnership enables Pay by Bank account top-ups for Fidelity's Personal Investing customers and clients on Fidelity Adviser Solutions platform, allowing funding of ISAs, SIPPs, Cash Management Accounts, and General Investment Accounts with settlement in under 40 seconds.
- CoinbasecorePartnership to enable crypto purchases via Pay by Bank in Germany, allowing Coinbase users to transfer funds directly from bank accounts for quick, secure crypto trading with enhanced compliance.
- Visa A2AcoreTink became one of the first members of Visa A2A, an enhanced framework connecting banks and third-party providers under common rulebook, API standard, commercial model, liability framework, and disputes management platform for Pay by Bank and VRP.
- SEPAexpressminorSpecialized payment provider in account-to-account payments partnered with Tink to offer a seamless payments journey across Europe.
- SSP (Score & Secure Payment)minorParis-based payment processor partnered with Tink as pan-European partner for open banking payments to enhance its payments solution across Europe.
- YounitedcoreEuropean instant credit provider partnered with Tink for accurate affordability assessments, enabling Younited to deploy instant credit to more consumers and businesses across Europe. Tink enables ultra-fast and hassle-free credit decisions at scale.
- AdyencoreTink partnered with Adyen to embed its open banking technology into Adyen's single platform, enabling Adyen customers to seamlessly offer next generation open banking payments to consumers. The partnership was expanded in 2025 to bring Pay by Bank to Vodafone customers in Germany.
- SlimpayminorLeading payments fintech partnered with Tink for open banking payments to European merchants, offering account-to-account payment options.
- RevolutcoreStrategic partnership for open banking technology enabling Revolut to expand its open banking services across new markets in a fast and sustainable way. Revolut has more than 18 million customers worldwide.
- An PostcoreIrish postal services provider partnered with Tink to bring money management services to customers through the An Post Money Manager app, helping customers understand spending behavior, manage savings, and set budgets. Partnership expanded in 2023 to offer free money management to all Irish residents.
- LemonwayminorFrench payment service provider launched Pay By Bank in partnership with Tink, bringing open banking-powered payments to customers across Europe.
- NovalnetminorGerman full-service payment provider partnered with Tink to bring new open banking payment solution to the European payments market.
- FinTecSystemscoreTink acquired FinTecSystems, a leading German open banking infrastructure fintech, powering over 150 banks and fintechs in Germany, Austria and Switzerland (DACH market). The acquisition strengthened Tink's presence in the DACH region and brought additional customers including N26, DKB, Santander, Solarisbank, and Check24.
- Tribe PaymentsminorPayments technology provider entered channel partnership with Tink for open banking technology across Europe.
- OpenWrksminorTink acquired the aggregation platform of OpenWrks, a leading UK-based provider of open banking applications.
- InstantorcoreTink acquired Instantor, a leading European provider of credit decision solutions based on open banking technology.
- Eurobits TechnologiescoreTink acquired Eurobits Technologies, a Spanish account aggregation provider powering over 50 banks and fintechs including BBVA, Santander, Sabadell and Fintonic.
- BNP ParibascoreTink became BNP Paribas' preferred partner in Europe for account aggregation, payment initiation and personal finance management technologies, with BNL going live with multi-banking using Tink technology.
- PayPalcoreExtended partnership with PayPal to support PayPal across Europe as it leverages opportunities with PSD2 and open banking.
- NatWestcoreNatWest was Tink's first UK partner, implementing open banking technology for multi-banking services. Partnership expanded to include carbon tracking feature with Cogo integration, available to NatWest's 8 million customers.
- NordeacoreMajor Nordic bank partnered with Tink for aggregation and PFM technology, integrating Tink's solution to deliver personalized financial overview for customers in Sweden, Norway, Finland and Denmark.
Scale indicators11 records
Recent moves10 records
Expansion highlights6 records
Tink competitors and assessment
Company assessmentDirect peers
- TrueLayer: European open banking platform headquartered in London offering account aggregation, payment initiation, and data enrichment. Direct UK and Europe competitor to Tink with overlapping bank connections and customer base.
- Token: Open banking payments network focused on account-to-account payment initiation and VRP across Europe. A direct competitor in the Pay by Bank and PIS space that Tink competes with for bank and merchant partnerships.
- Plaid: The leading open banking and account aggregation platform globally, primarily US-focused but expanding into Europe. Directly comparable to Tink in providing AIS/PIS APIs to banks and fintechs, with a similar developer-first platform model.
- Yapily: London-based open banking infrastructure provider offering AIS and PIS APIs across Europe. Competes with Tink on bank connectivity, payment initiation, and enterprise bank partnerships.
- Salt Edge: Open banking API platform serving banks, lenders, and fintechs across Europe and globally with account aggregation, payment initiation, and data enrichment. Comparable in scope and B2B go-to-market.
Broad incumbents
- Worldline: European payment processor and merchant acquirer offering open banking, account-to-account, and digital payment services. Competes with Tink in the merchant and payment-processor channel across Europe.
- Mastercard: Global card network and payments operator with growing open banking capabilities (e.g., Mastercard Open Banking). A broad incumbent that competes with Tink in payment initiation and data services at the enterprise tier.
- BBVA API Market: Bank-led open banking platform from BBVA exposing APIs for account aggregation and payments. Represents the 'banks building their own infrastructure' threat to third-party aggregators like Tink.
- Visa Direct: Visa's real-time push payments platform; now Tink's sister product within Visa following the 2022 acquisition. Comparable as a competing/displacing A2A payment rail globally that could constrain or substitute Tink's PIS growth.
Emerging players
- Klarna: European fintech and payment network expanding into account-based payment methods and consumer banking. Overlaps with Tink on Pay by Bank propositions and merchant payment use cases in Europe.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Tink social profiles
Digital presenceTink compliance and trust
Trust signalCompliance1 record
Tink financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tink leadership team
Management profileNumber of profiles
Profiles15 records
Tink subsidiaries and ownership
Company hierarchySubsidiaries4 records
Tink funding detail
Funding detailFunding overview
Funding rounds7 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tink M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tink
What does Tink do?
Tink is a cloud-based open banking platform that provides account aggregation, payment initiation, and data enrichment services through a single API. The platform enables banks, fintechs, lenders, and merchants to connect to customers' bank accounts, initiate payments directly from bank accounts, and enrich financial transaction data with merchant, category, and location information.
Is Tink a public or private company?
Tink is a private company. It is classified as corporate owned and is currently operating.
When was Tink founded?
Tink was founded in 2012. It employs 501 to 1,000 people.
Where is Tink based?
Tink is headquartered in Stockholm, Sweden, in the Europe region.
How does Tink make money?
Three revenue lines are on record. API Access and Platform Fees are the primary driver. The others are payment Transaction Fees and data and Analytics Services.
Who are Tink's main competitors?
Direct peers on record are TrueLayer, Token, Plaid, Yapily and Salt Edge. Broad incumbents are Worldline, Mastercard, BBVA API Market and Visa Direct. Klarna is listed as an emerging player.
Does Tink have an API?
Yes. Tink provides a cloud-based open banking API platform enabling account aggregation, payment initiation, data enrichment, personal finance management, and account verification. Through one API integration, developers can access financial data, initiate payments, verify account ownership, and build financial services. The platform aggregates both PSD2 and non-PSD2 data through connections to European banks and financial institutions. The API supports account information services (AIS) and payment initiation services (PIS). No PSD2 license is required when using Tink's ready-made authentication flows. Developer documentation is at docs.tink.com.
What industry is Tink in?
Tink's product category is Open Banking Platform. Its primary akta.pro industry code is FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation), with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 518210 and its SIC code is 7374.