# Flinks vs Tink

> Tink scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on schema & documentation and payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/flinks-vs-tink
- Markdown: https://www.anchorterminal.com/compare/flinks-vs-tink.md (~2,250 tokens)
- Slim: https://www.anchorterminal.com/compare/flinks-vs-tink.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/flinks-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 Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on schema & documentation and payments & pricing. Both do bank accounts.

- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.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

### Flinks (D)

Good for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.

Ahead on:
- Schema & documentation, 83 against 73
- Payments & pricing, 25 against 10

Watch for: Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial

### 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 53
- Agent ergonomics, 74 against 54
- Security & auth, 63 against 50
- Maintenance & community, 69 against 31
- Transparency & trust, 90 against 60

Also in its favour:
- A hosted endpoint, with nothing to install

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 | Flinks | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 53 | 62 | Tink +9 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 83 | 73 | Flinks +10 |
| Agent ergonomics | 13% (16.2 this run) | 54 | 74 | Tink +20 |
| Security & auth | 14% (17.5 this run) | 50 | 63 | Tink +13 |
| Payments & pricing | 10% (12.5 this run) | 25 | 10 | Flinks +15 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 31 | 69 | Tink +38 |
| Transparency & trust | 7% (8.8 this run) | 60 | 90 | Tink +30 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **52.7 · D** | **62.5 · B** | |

## Facts side by side

| Fact | Flinks | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Flinks Technology Inc. (National Bank of Canada) | Tink AB (Visa) |
| Hosted endpoint | no (local only) | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |
| Read-only variant documented | yes | no |
| llms.txt | yes | yes |
| Last release | 2026-09-01 | 2026-09-15 |
| Terms last updated | 2023-08-03 |  |
| Privacy policy last updated | 2022-09-22 |  |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | not found in the text |  |

## Verdicts

**Flinks.** Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.

**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

### Flinks

1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.
2. Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.
3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.
4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.
5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.

### 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, Flinks or Tink?

Tink scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on schema & documentation and payments & pricing.

### Do Flinks and Tink need an API key?

Flinks needs an API key. Tink uses an OAuth sign-in.

### Can an agent call Flinks and Tink without installing anything?

No hosted endpoint is listed for Flinks. Tink has a hosted endpoint at https://api.tink.com.


## For agents

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

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