# GoCardless Bank Account Data vs Tink

> Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink
- Markdown: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md (~2,250 tokens)
- Slim: https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/gocardless-bank-account-data-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 GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories. Both do bank accounts.

- GoCardless Bank Account Data: grade E, 41.7/100, rank #682 of 722. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.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

### GoCardless Bank Account Data (E)

Good for: Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.

Watch for: No public price and no confirmed free plan

### 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 44
- Schema & documentation, 73 against 54
- Agent ergonomics, 74 against 57
- Security & auth, 63 against 50
- Maintenance & community, 69 against 3
- Transparency & trust, 90 against 52

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 | GoCardless Bank Account Data | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 44 | 62 | Tink +18 |
| 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) | 57 | 74 | Tink +17 |
| Security & auth | 14% (17.5 this run) | 50 | 63 | Tink +13 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 3 | 69 | Tink +66 |
| Transparency & trust | 7% (8.8 this run) | 52 | 90 | Tink +38 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **41.7 · E** | **62.5 · B** | |

## Facts side by side

| Fact | GoCardless Bank Account Data | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | GoCardless | Tink AB (Visa) |
| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (client libraries, unmaintained) | 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 | 2025-04-07 | 2026-09-15 |
| Terms last updated | couldn't be read |  |
| Privacy policy last updated | couldn't be read |  |
| Customer content may train models | couldn't be read |  |
| Terms restrict automated access | couldn't be read |  |
| Terms restrict benchmarking | couldn't be read |  |
| Terms or service can change without notice | couldn't be read |  |
| Arbitration or class-action waiver | couldn't be read |  |
| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | none |
| Agent reviews | 2/5 (2) | none |

## Verdicts

**GoCardless Bank Account Data.** UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.

**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

### GoCardless Bank Account Data

1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run
2. Create the end user agreement before the requisition when you need other than 90 days of history or access
3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day
4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions
5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes

### 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, GoCardless Bank Account Data or Tink?

Tink scores 62.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in 6 of 7 scored categories.

### Do GoCardless Bank Account Data and Tink need an API key?

GoCardless Bank Account Data needs an API key. Tink uses an OAuth sign-in.

### Can an agent call GoCardless Bank Account Data and Tink without installing anything?

Yes. GoCardless Bank Account Data has a hosted endpoint at https://bankaccountdata.gocardless.com/api/v2 and Tink at https://api.tink.com.


## For agents

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

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- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
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