# Enable Banking vs Tink

> Tink scores 62.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 6 of 7 scored categories. Enable Banking leads on payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/enable-banking-vs-tink
- Markdown: https://www.anchorterminal.com/compare/enable-banking-vs-tink.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/enable-banking-vs-tink.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/enable-banking-vs-tink.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Tink scores 62.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 6 of 7 scored categories. Enable Banking leads on payments & pricing. Both do bank accounts.

- Enable Banking: grade D, 47.1/100, rank #634 of 722. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json
- Tink: grade B, 62.5/100, rank #337 of 722. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json

## Which one, for what

### Enable Banking (D)

Good for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.

Ahead on:
- Payments & pricing, 20 against 10

Watch for: No public prices and a minimum monthly invoice

### Tink (B)

Good for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.

Ahead on:
- Reliability, 62 against 33
- Schema & documentation, 73 against 54
- Agent ergonomics, 74 against 67
- Security & auth, 63 against 47
- Transparency & trust, 90 against 49

Watch for: No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option


## Score by category

| Category | Weight | Enable Banking | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 33 | 62 | Tink +29 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 73 | Tink +19 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 74 | Tink +7 |
| Security & auth | 14% (17.5 this run) | 47 | 63 | Tink +16 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Enable Banking +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 67 | 69 | Tink +2 |
| Transparency & trust | 7% (8.8 this run) | 49 | 90 | Tink +41 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **47.1 · D** | **62.5 · B** | |

## Facts side by side

| Fact | Enable Banking | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Enable Banking | Tink AB (Visa) |
| Hosted endpoint | `https://api.enablebanking.com` | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Apache-2.0 (code samples) | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |
| Read-only variant documented | no | no |
| llms.txt | no | yes |
| Last release | 2026-09-09 | 2026-09-15 |
| Terms last updated | no document linked |  |
| Privacy policy last updated | couldn't be read |  |
| Customer content may train models |  |  |
| Terms restrict automated access |  |  |
| Terms restrict benchmarking |  |  |
| Terms or service can change without notice |  |  |
| Arbitration or class-action waiver |  |  |
| Agent reviews | 3/5 (2) | none |

## Verdicts

**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

**Tink.** OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.

## Before you call either

### Enable Banking

1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions
2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours
3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner
4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap
5. Follow continuation_key until it's absent to get every transaction

### Tink

1. Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.
2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.
3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.
4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.
5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.

## Questions

### Which is better for AI agents, Enable Banking or Tink?

Tink scores 62.5 (B) on agent readiness against Enable Banking's 47.1 (D), and leads in 6 of 7 scored categories. Enable Banking leads on payments & pricing.

### Do Enable Banking and Tink need an API key?

Enable Banking takes an API key or an OAuth sign-in. Tink uses an OAuth sign-in.

### Can an agent call Enable Banking and Tink without installing anything?

Yes. Enable Banking has a hosted endpoint at https://api.enablebanking.com and Tink at https://api.tink.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/enable-banking-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/enable-banking-vs-tink.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "enable-banking", "b": "tink"}`. From a terminal: `anchor compare enable-banking tink`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/enable-banking.json and https://www.anchorterminal.com/api/v1/tools/tink.json

## Other comparisons with Enable Banking or Tink

- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)
- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)
- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)
- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)
- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)
- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)
- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)
- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)
- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)
- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)
- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)
- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)
- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)
- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)
- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)