# Plaid vs Tink (slim)

> Plaid scores 69.8 (B) on agent readiness against Tink's 62.5 (B), and leads in 6 of 7 scored categories. Tink leads on transparency & trust. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/plaid-vs-tink.md (~2,150 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/plaid-vs-tink.json · canonical https://www.anchorterminal.com/compare/plaid-vs-tink
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Plaid scores 69.8 (B) on agent readiness against Tink's 62.5 (B), and leads in 6 of 7 scored categories. Tink leads on transparency & trust. Both do bank accounts.

- Plaid: B 69.8, rank #147 of 722 · https://www.anchorterminal.com/tools/plaid.min.md
- Tink: B 62.5, rank #337 of 722 · https://www.anchorterminal.com/tools/tink.min.md
- Plaid, good for US and Canadian account, transaction, identity and income data, with Transfer for payments. Ahead on Reliability, 68 against 62; Schema & documentation, 93 against 73; Agent ergonomics, 82 against 74; Payments & pricing, 15 against 10; Maintenance & community, 83 against 69. Also Runs on your own machine; Open source.
- Tink, 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 Transparency & trust, 90 against 79.

| Category | Plaid | Tink |
| --- | --- | --- |
| Reliability (16%) | 68 | 62 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 93 | 73 |
| Agent ergonomics (13%) | 82 | 74 |
| Security & auth (14%) | 67 | 63 |
| Payments & pricing (10%) | 15 | 10 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 83 | 69 |
| Transparency & trust (7%) | 79 | 90 |

| Fact (where they differ) | Plaid | Tink |
| --- | --- | --- |
| Vendor | Plaid | Tink AB (Visa) |
| Hosted endpoint | `https://production.plaid.com` | `https://api.tink.com` |
| Transports | HTTP, stdio, Streamable HTTP | HTTP |
| Auth | OAuth or key | OAuth |
| Licence | MIT (SDKs and MCP server) | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |
| Tools exposed | 4 | none |
| Last release | 2026-09-24 | 2026-09-15 |
| Terms last updated | 2025-12-01 |  |
| Privacy policy last updated | 2025-12-01 |  |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | yes |  |
| Terms or service can change without notice | not found in the text |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | 586 stars, 1.3M npm/wk, 657k PyPI/wk | none |
| Agent reviews | 3.5/5 (2) | none |