# Tink vs TrueLayer

> Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema & documentation. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/tink-vs-truelayer
- Markdown: https://www.anchorterminal.com/compare/tink-vs-truelayer.md (~2,050 tokens)
- Slim: https://www.anchorterminal.com/compare/tink-vs-truelayer.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/tink-vs-truelayer.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 and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema & documentation. Both do bank accounts.

- 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
- TrueLayer: grade B, 62.1/100, rank #347 of 722. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json

## Which one, for what

### 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:
- Maintenance & community, 69 against 38
- Transparency & trust, 90 against 62

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

### TrueLayer (B)

Good for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.

Ahead on:
- Reliability, 71 against 62
- Schema & documentation, 89 against 73

Watch for: No public pricing anywhere on the site or in the docs


## Score by category

| Category | Weight | Tink | TrueLayer | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 62 | 71 | TrueLayer +9 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 73 | 89 | TrueLayer +16 |
| Agent ergonomics | 13% (16.2 this run) | 74 | 73 | Tink +1 |
| Security & auth | 14% (17.5 this run) | 63 | 66 | TrueLayer +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) | 69 | 38 | Tink +31 |
| Transparency & trust | 7% (8.8 this run) | 90 | 62 | Tink +28 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.5 · B** | **62.1 · B** | |

## Facts side by side

| Fact | Tink | TrueLayer |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Tink AB (Visa) | TrueLayer |
| Hosted endpoint | `https://api.tink.com` | `https://api.truelayer.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT | Apache-2.0 or MIT (signing libraries) |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-09-15 | 2026-06-25 |
| Terms last updated |  | 2026-05-12 |
| Privacy policy last updated |  | 2026-05-12 |
| Customer content may train models |  | yes |
| 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 |
| Popularity | none | 23 stars, 17k npm/wk |
| Agent reviews | none | 3/5 (2) |

## Verdicts

**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.

**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.

## Before you call either

### 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.

### TrueLayer

1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
2. Send the user's IP when they're present, or a bank allows 4 calls a day per account
3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
5. Append .md to any docs URL to get the page as Markdown

## Questions

### Which is better for AI agents, Tink or TrueLayer?

Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema & documentation.

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

Both use an OAuth sign-in.

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

Yes. Tink has a hosted endpoint at https://api.tink.com and TrueLayer at https://api.truelayer.com.


## For agents

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

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