# Powens vs Tink

> Tink scores 62.5 (B) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/powens-vs-tink
- Markdown: https://www.anchorterminal.com/compare/powens-vs-tink.md (~2,300 tokens)
- Slim: https://www.anchorterminal.com/compare/powens-vs-tink.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/powens-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: 2026-10-09

Tink scores 62.5 (B) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Both do bank account data.

- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json
- Tink: grade B, 62.5/100, rank #431 of 950. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Powens (E)

Good for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.

Watch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables

### 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 27
- Schema & documentation, 73 against 48
- Agent ergonomics, 74 against 57
- Maintenance & community, 69 against 33
- Transparency & trust, 90 against 63

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 | Powens | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 27 | 62 | Tink +35 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 48 | 73 | Tink +25 |
| Agent ergonomics | 13% (16.2 this run) | 57 | 74 | Tink +17 |
| Security & auth | 14% (17.5 this run) | 60 | 63 | Tink +3 |
| 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) | 33 | 69 | Tink +36 |
| Transparency & trust | 7% (8.8 this run) | 63 | 90 | Tink +27 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **42.6 · E** | **62.5 · B** | |

## Facts side by side

| Fact | Powens | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Powens SAS | Tink AB (Visa) |
| Hosted endpoint | `https://{domain}.biapi.pro/2.0` | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 | 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 | none | 2026-09-15 |
| Terms last updated | no date given |  |
| Privacy policy last updated | no date given |  |
| 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 | not found in the text |  |
| Arbitration or class-action waiver | not found in the text |  |

## Verdicts

**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.

**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

### Powens

1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`
2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given
3. Enable an account with `POST` and `{"disabled": false}` only after the account holder consents. Accounts arrive disabled with no transactions
4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header
5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks

### 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, Powens or Tink?

Tink scores 62.5 (B) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories.

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

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

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

Yes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and Tink at https://api.tink.com.


## For agents

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

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