# Salt Edge Account Information vs Tink

> Tink scores 62.5 (B) on agent readiness against Salt Edge Account Information's 46.7 (D), 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/salt-edge-vs-tink
- Markdown: https://www.anchorterminal.com/compare/salt-edge-vs-tink.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/salt-edge-vs-tink.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/salt-edge-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 Salt Edge Account Information's 46.7 (D), and leads in 6 of 7 scored categories. Both do bank accounts.

- Salt Edge Account Information: grade D, 46.7/100, rank #643 of 722. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.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

### Salt Edge Account Information (D)

Good for: Account data and payments in markets outside the UK, EEA and US.

Watch for: Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429

### 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 52
- Schema & documentation, 73 against 52
- Agent ergonomics, 74 against 67
- Security & auth, 63 against 46
- Maintenance & community, 69 against 13
- Transparency & trust, 90 against 74

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 | Salt Edge Account Information | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 52 | 62 | Tink +10 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 52 | 73 | Tink +21 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 74 | Tink +7 |
| Security & auth | 14% (17.5 this run) | 46 | 63 | Tink +17 |
| 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) | 13 | 69 | Tink +56 |
| Transparency & trust | 7% (8.8 this run) | 74 | 90 | Tink +16 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **46.7 · D** | **62.5 · B** | |

## Facts side by side

| Fact | Salt Edge Account Information | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Salt Edge | Tink AB (Visa) |
| Hosted endpoint | `https://www.saltedge.com/api/v6` | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | none | 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 | none | 2026-09-15 |
| Terms last updated | 2023-09-14 |  |
| Privacy policy last updated | 2023-09-14 |  |
| 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 | yes |  |
| Arbitration or class-action waiver | yes |  |
| Agent reviews | 2.5/5 (2) | none |

## Verdicts

**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

**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

### Salt Edge Account Information

1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error
2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox
3. Sign requests from the start even in Test, so the move to Live doesn't change your client
4. Follow next_page from the meta block rather than building from_id URLs yourself
5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done

### 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, Salt Edge Account Information or Tink?

Tink scores 62.5 (B) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 6 of 7 scored categories.

### Do Salt Edge Account Information and Tink need an API key?

Salt Edge Account Information needs an API key. Tink uses an OAuth sign-in.

### Can an agent call Salt Edge Account Information and Tink without installing anything?

Yes. Salt Edge Account Information has a hosted endpoint at https://www.saltedge.com/api/v6 and Tink at https://api.tink.com.


## For agents

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

## Other comparisons with Salt Edge Account Information or Tink

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