# Tink vs TrueLayer (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/tink-vs-truelayer.md (~2,050 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/tink-vs-truelayer.json · canonical https://www.anchorterminal.com/compare/tink-vs-truelayer
- Index: https://www.anchorterminal.com/llms.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: B 62.5, rank #337 of 722 · https://www.anchorterminal.com/tools/tink.min.md
- TrueLayer: B 62.1, rank #347 of 722 · https://www.anchorterminal.com/tools/truelayer.min.md
- Tink, 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.
- TrueLayer, 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.

| Category | Tink | TrueLayer |
| --- | --- | --- |
| Reliability (16%) | 62 | 71 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 73 | 89 |
| Agent ergonomics (13%) | 74 | 73 |
| Security & auth (14%) | 63 | 66 |
| Payments & pricing (10%) | 10 | 10 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 69 | 38 |
| Transparency & trust (7%) | 90 | 62 |

| Fact (where they differ) | Tink | TrueLayer |
| --- | --- | --- |
| Vendor | Tink AB (Visa) | TrueLayer |
| Hosted endpoint | `https://api.tink.com` | `https://api.truelayer.com` |
| 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) |
| 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) |