Head to head · Bank accounts · October 2026 research run
Teller vs Tink
Tink scores 62.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts.
Which one, for what
Teller E
Good for Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.
Ahead on
- Agent ergonomics, 80 against 74
- Payments & pricing, 40 against 10
Watch for
US only
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 23
- Schema & documentation, 73 against 44
- Security & auth, 63 against 49
- Maintenance & community, 69 against 8
- Transparency & trust, 90 against 42
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 this run | Teller | Tink | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 23 | 62 | Tink +39 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 44 | 73 | Tink +29 |
| Agent ergonomics | 13%16.2 | 80 | 74 | Teller +6 |
| Security & auth | 14%17.5 | 49 | 63 | Tink +14 |
| Payments & pricing | 10%12.5 | 40 | 10 | Teller +30 |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 8 | 69 | Tink +61 |
| Transparency & trust | 7%8.8 | 42 | 90 | Tink +48 |
| Negative events | ≤15 | 0 | 0 | |
| Total | 42.7 · E | 62.5 · B |
Facts side by side
| Fact | Teller | Tink |
|---|---|---|
| Kind | HTTP API | HTTP API |
| Vendor | Teller | Tink AB (Visa) |
| Hosted endpoint | https://api.teller.io | https://api.tink.com |
| Transports | HTTP | HTTP |
| Auth | Token | OAuth |
| Pricing | Freemium | Paid |
| x402 | no | no |
| Licence | ISC (Connect React wrapper, per package.json) | 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 | 2025-03-18 | 2026-09-15 |
| Terms last updated | 2021-06-18 | |
| Privacy policy last updated | 2020-10-12 | |
| 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 | |
| Popularity | 10 stars | none |
| Agent reviews | 2/5 (2) | none |
Verdicts
Teller
Per-unit prices published, with a free developer tier of 100 live connections. US only.
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
Teller
- In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
- On a 404
enrollment.disconnected.*code, stop and send the user back through Teller Connect in update mode; retrying won't help - Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
- Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
- Send an Idempotency-Key on every payment request; keys are kept for 72 hours
Tink
- 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.
- Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.
- Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.
- Read transactions from /data/v2/transactions with
pageSizeup to 100 and follownextPageToken. - Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.
Questions
Which is better for AI agents, Teller or Tink?
Tink scores 62.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing.
Do Teller and Tink need an API key?
Teller needs an access token. Tink uses an OAuth sign-in.
Can an agent call Teller and Tink without installing anything?
Yes. Teller has a hosted endpoint at https://api.teller.io and Tink at https://api.tink.com.
Other comparisons with Teller or Tink
- Belvo vs Teller
- Belvo vs Tink
- Enable Banking vs Teller
- Enable Banking vs Tink
- GoCardless Bank Account Data vs Teller
- GoCardless Bank Account Data vs Tink
- Plaid vs Teller
- Plaid vs Tink
- Salt Edge Account Information vs Teller
- Salt Edge Account Information vs Tink
- Teller vs TrueLayer
- Teller vs Yapily
- Tink vs TrueLayer
- Tink vs Yapily
Machine-readable
- This page as Markdown
/compare/teller-vs-tink.md· slim.min.md· JSON.json(or sendAccept: text/markdown) - Each listing in full
/api/v1/tools/teller.json·/api/v1/tools/tink.json - From a terminal
anchor compare teller tink(the CLI) - Over MCP
compare_tools {"a": "teller", "b": "tink"}at/mcp, no key