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Full detail: Where this data comes from
Tink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections across Europe and a US Pay by Bank stack. Tink exposes a single API for PSD2-aggregated bank data (Accounts, Transactions, Balances, Identities, Investments, Loans), value-added risk reports (Account Check, Business Account Check, Income Check, Expense Check, Risk Insights, Risk Categorisation), Money Manager BFM, Data Enrichment, and PSD2 Payment Initiation Services (Pay by Bank, Auto Payments, Variable Recurring Payments, Mandates, Refunds, Payouts). Authentication is OAuth 2.0 with delegated user consent through the Tink Link hosted flow.
APIs.json: https://raw.githubusercontent.com/api-evangelist/tink-com/refs/heads/main/apis.yml
- Access: 3rd-Party
- Open Banking
- PSD2
- Payment Initiation
- Account Aggregation
- Risk Decisioning
- Pay by Bank
- Finance
- Banking
- Europe
- Visa
- Created: 2026-05-25
- Modified: 2026-05-25
OAuth 2.0 client-credentials, refresh, and delegated authorization-grant endpoints that gate every Tink API. Includes permanent user creation and Tink Link session delegation.
- Human URL: https://docs.tink.com/api-reference/auth-api
- Base URL:
https://api.tink.com
- OAuth
- Authentication
- Users
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Verify that a bank account belongs to the consumer or business presenting it. Returns verified account, identity, balance, and user-match results as JSON or PDF. Includes Business Account Check and Tink Link session creation with user info for identity matching.
- Human URL: https://docs.tink.com/resources/account-check
- Base URL:
https://api.tink.com
- Account Check
- Account Verification
- KYC
- Onboarding
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
- Example
Read consented bank data from 6,000+ European banks. Lists accounts, balances, transactions, account parties, identities, investment holdings, and loan accounts. Includes on-demand balance refresh, credentials management, and provider-consent inspection.
- Human URL: https://docs.tink.com/resources/transactions
- Base URL:
https://api.tink.com
- Accounts
- Transactions
- Balances
- Identities
- Investments
- Loans
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
- Example
Categorise raw bank transactions, identify the merchant, detect confirmed recurring transactions, and predict future recurring payments. Powers Money Manager, Expense Check, Income Check, and Risk Insights downstream.
- Human URL: https://docs.tink.com/resources/data-enrichment
- Base URL:
https://api.tink.com
- Data Enrichment
- Categorisation
- Recurring Transactions
- Merchants
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
PSD2 Payment Initiation Services. Initiate single payments, refunds, payouts, and create mandates for Auto Payments and sweeping Variable Recurring Payments. Available in EU under PSD2 and in the US via the Pay by Bank stack at api.us.tink.com.
- Human URL: https://docs.tink.com/resources/payments
- Base URL:
https://api.tink.com
- Payments
- Payment Initiation
- PSD2
- Pay by Bank
- Mandates
- Refunds
- Variable Recurring Payments
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
- Example
Decisioning-grade reports built on aggregated bank data — Income Check, Expense Check, Risk Insights, and Risk Categorisation — for affordability, underwriting, and lending decisions.
- Human URL: https://docs.tink.com/resources/risk-insights
- Base URL:
https://api.tink.com
- Risk
- Income Check
- Expense Check
- Risk Insights
- Risk Categorisation
- Lending
- Affordability
- Documentation
- Documentation
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Personal and business financial-management surface. Cash-flow summaries, recurring and one-off business budgets, a financial calendar of bills and invoices, and reconciliations against bank transactions.
- Human URL: https://docs.tink.com/resources/money-manager
- Base URL:
https://api.tink.com
- Money Manager
- BFM
- Cash Flow
- Budgets
- Financial Calendar
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Push partner-collected accounts and transactions into the Tink platform so they benefit from Tink categorisation, recurring detection, Money Manager, and risk reporting alongside PSD2-aggregated data.
- Human URL: https://docs.tink.com/resources/connector
- Base URL:
https://api.tink.com
- Connector
- Data Ingestion
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Register webhook endpoints that receive asynchronous events when reports are ready, payments and refunds change status, or consented bank data is refreshed.
- Human URL: https://docs.tink.com/resources/webhooks
- Base URL:
https://api.tink.com
- Webhooks
- Events
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- Arazzo Workflows — Arazzo Specification
- Portal
- Documentation
- Console
- Sign Up
- Pricing
- Status Page
- Changelog
- Blog
- Terms of Service
- Privacy Policy
- Security
- GitHub Organization
- Postman — Postman Collection 2.1
- Postman — Postman Collection 2.1
- SDK
- SDK
- SDK
- SDK
- Tools
- Spectral Rules
- Vocabulary
- JSON-LD — JSON-LD
- Plans
- Rate Limits
- Fin Ops
- Features
- Use Cases
- Integrations
- Solutions
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