# Tink vs Yodlee Core API

> Tink scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.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 scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments & pricing. Both do bank accounts.

- Tink: grade B, 62.5/100, rank #390 of 842. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json
- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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:
- Reliability, 62 against 15
- Agent ergonomics, 74 against 58
- Security & auth, 63 against 49
- Maintenance & community, 69 against 33
- Transparency & trust, 90 against 53

Also in its favour:
- A hosted endpoint, with nothing to install

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

### Yodlee Core API (E)

Good for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.

Ahead on:
- Payments & pricing, 15 against 10

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | Tink | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 62 | 15 | Tink +47 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 73 | 71 | Tink +2 |
| Agent ergonomics | 13% (16.2 this run) | 74 | 58 | Tink +16 |
| Security & auth | 14% (17.5 this run) | 63 | 49 | Tink +14 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 69 | 33 | Tink +36 |
| Transparency & trust | 7% (8.8 this run) | 90 | 53 | Tink +37 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.5 · B** | **41.9 · E** | |

## Facts side by side

| Fact | Tink | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Tink AB (Visa) | Yodlee, Inc. |
| Hosted endpoint | `https://api.tink.com` | no (local only) |
| 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 | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-09-15 | 2026-07-31 |
| Terms last updated |  | no document linked |
| Privacy policy last updated |  | no document linked |
| Customer content may train models |  |  |
| Terms restrict automated access |  |  |
| Terms restrict benchmarking |  |  |
| Terms or service can change without notice |  |  |
| Arbitration or class-action waiver |  |  |
| Popularity | none | 17 stars |

## 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.

**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.

## 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.

### Yodlee Core API

1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes
2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop

## Questions

### Which is better for AI agents, Tink or Yodlee Core API?

Tink scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments & pricing.

### Do Tink and Yodlee Core API need an API key?

Both use an OAuth sign-in.

### Can an agent call Tink and Yodlee Core API without installing anything?

Tink has a hosted endpoint at https://api.tink.com. No hosted endpoint is listed for Yodlee Core API.


## For agents

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

## Other comparisons with Tink or Yodlee Core API

- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)
- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)
- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)
- [Belvo vs Yodlee Core API](https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md)
- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)
- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)
- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)
- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)
- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)
- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)
- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)
- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)
- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)
- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)
- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)
- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)
- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)
- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)
- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)
- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)
- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)