{ "data": { "a": { "slug": "teller", "name": "Teller", "vendor": "Teller", "vendorUrl": "https://teller.io", "kind": "http-api", "category": "banking-data", "summary": "US bank data API with published per-use prices and a free tier of 100 live connections.", "url": "https://www.anchorterminal.com/tools/teller", "markdownUrl": "https://www.anchorterminal.com/tools/teller.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/teller.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/teller.json", "repo": "https://github.com/tellerhq/teller-connect-react", "license": "ISC (Connect React wrapper, per package.json)", "transports": [ "http" ], "remoteUrl": "https://api.teller.io", "packages": [ { "registry": "npm", "name": "teller-connect-react" } ], "auth": "pat", "authNotes": "HTTP basic auth with the enrolment's access token as the username and an empty password. Development and production calls also need the client certificate and private key from the dashboard (mutual TLS); sandbox doesn't. Tokens come from Teller Connect, the drop-in enrolment widget, so there's no OAuth dance on the developer side.", "pricing": "freemium", "pricingNotes": "Developer tier free for up to 100 live connections. Production is per use. Verify $1.50 per account, Balance $0.10 per API call, Transactions $0.30 per enrolment per month, Identity $1.75 per API call. Enterprise is custom volume pricing (https://teller.io/). Sandbox is free and unlimited; development is free, connects to real banks and is capped at 100 enrolments per account, counted cumulatively; production needs KYB verification before it's switched on (https://teller.io/docs/guides/environments).", "priceSummary": "$0.10 / call", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 10, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://teller.io/docs", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "freemium", "free-tier", "usage-priced", "webhooks", "closed-source" ], "lastRelease": "2025-03-18", "graded": true, "anchor": { "graded": true, "score": 42.7, "grade": "E", "agentReady": false, "rank": 675, "ranked": true, "rankOf": 722, "categoryRank": 11, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 42 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Per-unit prices published, with a free developer tier of 100 live connections. US only.", "bestFor": "Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.", "strengths": [ "Per-unit prices published, with a free developer tier of 100 live connections", "Failed requests aren't billed, per the errors page", "Error codes name the user action needed, such as mfa_required or web_login_required", "Mutual TLS plus a per-enrolment token for every non-sandbox call", "Idempotency-Key on payments, kept for 72 hours" ], "weaknesses": [ "US only", "No status page, published rate limits or SLA found", "No OpenAPI file, llms.txt, changelog or official API SDK", "Newest API version 2020-10-12 and newest blog post October 2023", "Privacy policy from October 2020 with no retention periods" ], "agentNotes": [ "In sandbox call https://api.teller.io/accounts with -u \"$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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.7 } ], "editorialScores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 35 }, "provenanceScore": 49 }, "connect": { "http": "curl https://api.teller.io/accounts -u \"$TELLER_ACCESS_TOKEN:\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/teller" }, "area": "domain-data", "unitPrices": [ { "item": "Transactions", "unit": "account-month", "usd": 0.3, "note": "Per enrolment per month" }, { "item": "Balance", "unit": "call", "usd": 0.1 }, { "item": "Identity", "unit": "call", "usd": 1.75 }, { "item": "Verify", "unit": "record", "usd": 1.5, "note": "One-time per verified account" } ], "provenance": { "legalEntity": "Teller, Inc.", "domain": "teller.io", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "https://teller.io/legal/developer/terms", "privacy": "https://teller.io/legal/developer/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "Teller, Inc. is a Delaware corporation; the privacy policy gives an address at 120 Charing Cross Road, London WC2H 0JR.", "The legal index was last revised 16 February 2021.", "status.teller.io doesn't resolve, and we found no other status page.", "The .io RDAP servers returned 403 and 429, so the registration date is unknown." ], "score": 49 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/teller.json", "live": { "slug": "teller", "probe": { "target": "https://api.teller.io", "method": "get", "lastAt": "2026-10-08T19:53:03.887005263Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "timed out", "authRequired": false, "uptime24h": 99.26, "uptime30d": 99.9, "p50ms24h": 457, "p95ms24h": 529, "samples24h": 272, "samples30d": 1941, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 225, "ok": 223 } ] }, "versions": [ { "registry": "npm", "name": "teller-connect-react", "version": "0.2.3", "seenAt": "2026-10-08T16:31:34.942178299Z" } ], "githubStars": 10, "npmWeekly": 1386, "securityTxt": { "url": "https://teller.io/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:47.282957501Z" }, "domain": { "domain": "teller.io", "checkedAt": "2026-10-04T13:09:09.691296487Z" }, "pages": [ { "url": "https://teller.io/legal/developer/privacy", "kind": "privacy", "status": 304, "checkedAt": "2026-10-08T18:25:06.666012241Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "10ac794a00cf" }, { "url": "https://teller.io/legal/developer/terms", "kind": "terms", "status": 304, "checkedAt": "2026-10-08T18:25:08.824767094Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "99084d856dfa" } ], "updatedAt": "2026-10-08T19:53:03.887005263Z" } }, "answer": "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 \u0026 pricing.", "b": { "slug": "tink", "name": "Tink", "vendor": "Tink AB (Visa)", "vendorUrl": "https://tink.com", "kind": "http-api", "category": "banking-data", "summary": "Tink is a European open banking platform owned by Visa. Its REST API and hosted Tink Link flow read accounts, balances and transactions with the account holder's consent, and start bank payments.", "url": "https://www.anchorterminal.com/tools/tink", "markdownUrl": "https://www.anchorterminal.com/tools/tink.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/tink.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/tink.json", "repo": "https://github.com/tink-ab/tink-link-ios", "license": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.tink.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 with a `client_id` and `client_secret` from the Tink Console, sent in the POST body to https://api.tink.com/api/v1/oauth/token. A client token lasts 30 minutes and carries only the scopes requested. Data calls need a user token, valid two hours, obtained through an authorisation grant for a Tink user or from the code Tink Link returns after bank consent. Mutual TLS is accepted as an alternative client authentication method. Console signup is self-serve for the sandbox. Live access is by sales contract, with customer due diligence when Tink's own licence is used.", "pricing": "paid", "pricingNotes": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and says listed prices apply only to existing customers (https://tink.com/pricing/, checked 2026-10-08). The FAQ says there is no pay-per-use option and that a free Console account gives test data in a sandbox (https://tink.com/faq/). No card is mentioned for signup. Fees are set in an order form and billed monthly in arrears under the MSA.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference introduction or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.tink.com", "llmsTxt": "https://docs.tink.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.payments", "bank.identity" ], "tags": [ "hosted", "oauth", "llms-txt", "webhooks", "sandbox", "eu", "uk", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 337, "ranked": true, "rankOf": 722, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 90 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "strengths": [ "OAuth 2.0 client credentials with named scopes per endpoint, 30-minute client tokens and two-hour user tokens", "Master Service Agreement, DPA, four SLA documents and a sub-processor list with processing locations are public PDFs", "Data v2 list endpoints page with `pageSize` and `pageToken`, with date, account and status filters on transactions", "Changelog with 367 dated entries, three of them in the 90 days to 8 October 2026", "Free Console account with a Demo Bank covering test users in 18 countries" ], "weaknesses": [ "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", "The API reference is a JavaScript app with the Swagger definitions inside its bundle. No downloadable spec was found", "Rate limits are per app with no published numbers, and a 429 carries no documented Retry-After", "A critical incident on 16 July 2026 stopped authentication, consent, account data and payment flows in all European markets for 62 minutes", "security.txt has a Policy line pointing to Visa's disclosure page and no Contact or Expires field" ], "agentNotes": [ "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 `pageSize` up to 100 and follow `nextPageToken`.", "Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 79 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://api.tink.com/api/v1/oauth/token \\\n -d \"client_id=$TINK_CLIENT_ID\" \\\n -d \"client_secret=$TINK_CLIENT_SECRET\" \\\n -d \"grant_type=client_credentials\" \\\n -d \"scope=authorization:grant,user:create\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/tink" }, "area": "domain-data", "provenance": { "legalEntity": "Tink AB", "domain": "tink.com", "domainRegistered": "1993-03-18", "endpointOnVendorDomain": true, "terms": "https://assets.ctfassets.net/c78bhj3obgck/4rs258WTPok62q9qrmFE1o/b68d1bcc13b5c118503ecffc8647a7d8/Tink_Master_Service_Agreement_2025-12-09.pdf", "privacy": "https://cdn.tink.se/legal/privacy-policy/en_UK/privacy-policy-en_UK-2601.pdf", "statusPage": "https://status.tink.com", "changelog": "https://docs.tink.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Master Service Agreement (version 2025-12-09) names Tink AB, corporate registration number 556898-2192, Regeringsgatan 38, 111 56 Stockholm, and is governed by Swedish law. The legal FAQ says all customer use is governed by it.", "The legal FAQ lists Tink AB as a payment institution under the Swedish Financial Supervisory Authority (SFSA ID 44059), Tink Germany GmbH under BaFin (10152149) and Tink Financial Services Limited under the UK FCA (FRN 988456). Tink is a Visa company.", "The privacy link is the Visa Open Banking Privacy Notice for End-Users, effective 8 January 2026, which covers the bank data read through the product. A separate General Privacy Notice (effective 8 April 2025) covers website visitors and business contacts, and customer data is governed by the DPA of 1 October 2025.", "tink.com/.well-known/security.txt has a Canonical line and a Policy line pointing to Visa's vulnerability disclosure page, with no Contact or Expires field, both of which RFC 9116 requires. It is recorded as valid because the file is served, as with other listings whose file lacks Expires.", "The API answers at api.tink.com and Tink Link at link.tink.com. Legal PDFs are served from assets.ctfassets.net and cdn.tink.se.", "The changelog at docs.tink.com/changelog renders in JavaScript. We read its entries from the content feed the page itself requests. Verisign RDAP gives the domain registration date and MarkMonitor as registrar." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/tink.json", "live": { "slug": "tink", "probe": { "target": "https://api.tink.com", "method": "get", "lastAt": "2026-10-08T19:53:04.130514218Z", "lastOk": true, "lastStatus": 404, "lastMs": 61, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 54, "p95ms24h": 116, "samples24h": 27, "samples30d": 27, "days": [ { "date": "2026-10-08", "probes": 27, "ok": 27 } ] }, "vendorStatus": { "page": "https://status.tink.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:51:05.556142173Z" }, "pages": [ { "url": "https://docs.tink.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:36.318263547Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://tink.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:25:14.991772397Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b875e338cc34" } ], "updatedAt": "2026-10-08T19:53:04.130514218Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Teller", "b": "Tink AB (Visa)", "name": "Vendor" }, { "a": "https://api.teller.io", "b": "https://api.tink.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "Token", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "ISC (Connect React wrapper, per package.json)", "b": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2025-03-18", "b": "2026-09-15", "name": "Last release" }, { "a": "2021-06-18", "b": "", "name": "Terms last updated" }, { "a": "2020-10-12", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "10 stars", "b": "none", "name": "Popularity" }, { "a": "2/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "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 \u0026 pricing.", "question": "Which is better for AI agents, Teller or Tink?" }, { "answer": "Teller needs an access token. Tink uses an OAuth sign-in.", "question": "Do Teller and Tink need an API key?" }, { "answer": "Yes. Teller has a hosted endpoint at https://api.teller.io and Tink at https://api.tink.com.", "question": "Can an agent call Teller and Tink without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Agent ergonomics, 80 against 74", "Payments \u0026 pricing, 40 against 10" ], "also": null, "goodFor": "Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.", "slug": "teller", "watchFor": "US only" }, { "aheadOn": [ "Reliability, 62 against 23", "Schema \u0026 documentation, 73 against 44", "Security \u0026 auth, 63 against 49", "Maintenance \u0026 community, 69 against 8", "Transparency \u0026 trust, 90 against 42" ], "also": null, "goodFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "slug": "tink", "watchFor": "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" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-teller.json", "title": "Akoya vs Teller", "url": "https://www.anchorterminal.com/compare/akoya-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-teller.json", "title": "Belvo vs Teller", "url": "https://www.anchorterminal.com/compare/belvo-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-teller.json", "title": "Enable Banking vs Teller", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-teller.json", "title": "Flinks vs Teller", "url": "https://www.anchorterminal.com/compare/flinks-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.json", "title": "GoCardless Bank Account Data vs Teller", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-teller.json", "title": "MX Platform API vs Teller", "url": "https://www.anchorterminal.com/compare/mx-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json", "title": "MX Platform API vs Tink", "url": "https://www.anchorterminal.com/compare/mx-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-teller.json", "title": "Plaid vs Teller", "url": "https://www.anchorterminal.com/compare/plaid-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-teller.json", "title": "Salt Edge Account Information vs Teller", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-truelayer.json", "title": "Teller vs TrueLayer", "url": "https://www.anchorterminal.com/compare/teller-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-yapily.json", "title": "Teller vs Yapily", "url": "https://www.anchorterminal.com/compare/teller-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" } ], "scores": [ { "by": 39, "edge": "tink", "key": "reliability", "name": "Reliability", "teller": 23, "tink": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 29, "edge": "tink", "key": "schema", "name": "Schema \u0026 documentation", "teller": 44, "tink": 73, "weight": 13 }, { "by": 6, "edge": "teller", "key": "ergonomics", "name": "Agent ergonomics", "teller": 80, "tink": 74, "weight": 13 }, { "by": 14, "edge": "tink", "key": "security", "name": "Security \u0026 auth", "teller": 49, "tink": 63, "weight": 14 }, { "by": 30, "edge": "teller", "key": "payments", "name": "Payments \u0026 pricing", "teller": 40, "tink": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 61, "edge": "tink", "key": "maintenance", "name": "Maintenance \u0026 community", "teller": 8, "tink": 69, "weight": 7 }, { "by": 48, "edge": "tink", "key": "transparency", "name": "Transparency \u0026 trust", "teller": 42, "tink": 90, "weight": 7 } ], "summary": "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 \u0026 pricing. Both do bank accounts.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/teller-vs-tink", "json": "https://www.anchorterminal.com/compare/teller-vs-tink.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/teller-vs-tink.md", "slim": "https://www.anchorterminal.com/compare/teller-vs-tink.min.md" }, "markdown": "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 \u0026 pricing. Both do bank accounts.\n\n- Teller: grade E, 42.7/100, rank #675 of 722. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json\n- 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\n\n## Which one, for what\n\n### Teller (E)\n\nGood for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.\n\nAhead on:\n- Agent ergonomics, 80 against 74\n- Payments \u0026 pricing, 40 against 10\n\nWatch for: US only\n\n### Tink (B)\n\nGood for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.\n\nAhead on:\n- Reliability, 62 against 23\n- Schema \u0026 documentation, 73 against 44\n- Security \u0026 auth, 63 against 49\n- Maintenance \u0026 community, 69 against 8\n- Transparency \u0026 trust, 90 against 42\n\nWatch 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\n\n\n## Score by category\n\n| Category | Weight | Teller | Tink | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 23 | 62 | Tink +39 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 44 | 73 | Tink +29 |\n| Agent ergonomics | 13% (16.2 this run) | 80 | 74 | Teller +6 |\n| Security \u0026 auth | 14% (17.5 this run) | 49 | 63 | Tink +14 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 40 | 10 | Teller +30 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 8 | 69 | Tink +61 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 42 | 90 | Tink +48 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **42.7 · E** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | Teller | Tink |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Teller | Tink AB (Visa) |\n| Hosted endpoint | `https://api.teller.io` | `https://api.tink.com` |\n| Transports | HTTP | HTTP |\n| Auth | Token | OAuth |\n| Pricing | Freemium | Paid |\n| x402 | no | no |\n| 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 |\n| Read-only variant documented | no | no |\n| llms.txt | no | yes |\n| Last release | 2025-03-18 | 2026-09-15 |\n| Terms last updated | 2021-06-18 | |\n| Privacy policy last updated | 2020-10-12 | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | yes | |\n| Popularity | 10 stars | none |\n| Agent reviews | 2/5 (2) | none |\n\n## Verdicts\n\n**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.\n\n**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.\n\n## Before you call either\n\n### Teller\n\n1. 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\n2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help\n3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you\n4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date\n5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours\n\n### Tink\n\n1. 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.\n2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.\n3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.\n4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.\n5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.\n\n## Questions\n\n### Which is better for AI agents, Teller or Tink?\n\nTink 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 \u0026 pricing.\n\n### Do Teller and Tink need an API key?\n\nTeller needs an access token. Tink uses an OAuth sign-in.\n\n### Can an agent call Teller and Tink without installing anything?\n\nYes. Teller has a hosted endpoint at https://api.teller.io and Tink at https://api.tink.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/teller-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/teller-vs-tink.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"teller\", \"b\": \"tink\"}`. From a terminal: `anchor compare teller tink`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/teller.json and https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Other comparisons with Teller or Tink\n\n- [Akoya vs Teller](https://www.anchorterminal.com/compare/akoya-vs-teller.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Flinks vs Teller](https://www.anchorterminal.com/compare/flinks-vs-teller.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [MX Platform API vs Teller](https://www.anchorterminal.com/compare/mx-vs-teller.md)\n- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Teller vs Tink", "url": "" } ], "description": "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 \u0026 pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Teller E 42.7", "Tink B 62.5", "scores" ], "h1": "Teller vs Tink", "image": "https://www.anchorterminal.com/assets/og/compare-teller-vs-tink.png", "path": "/compare/teller-vs-tink", "published": "2026-10-01", "section": "tools", "title": "Teller vs Tink for AI agents, E 42.7 vs B 62.5 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, "tokens": { "markdown": 2050, "slim": 680 }, "version": 1 }