# 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. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/teller-vs-tink
- Markdown: https://www.anchorterminal.com/compare/teller-vs-tink.md (~2,050 tokens)
- Slim: https://www.anchorterminal.com/compare/teller-vs-tink.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/teller-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 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.

- 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
- 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

### 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 | Teller | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 23 | 62 | Tink +39 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 44 | 73 | Tink +29 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 74 | Teller +6 |
| Security & auth | 14% (17.5 this run) | 49 | 63 | Tink +14 |
| Payments & pricing | 10% (12.5 this run) | 40 | 10 | Teller +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 8 | 69 | Tink +61 |
| Transparency & trust | 7% (8.8 this run) | 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

1. 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
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

### 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, 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.


## For agents

- 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
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "teller", "b": "tink"}`. From a terminal: `anchor compare teller tink`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/teller.json and https://www.anchorterminal.com/api/v1/tools/tink.json

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