Tink

ListedPISP / aggregator

European open banking from Visa: account checks, transactions and income data, payments in 19 markets, UK sweeping VRP and settlement accounts.

tink.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Tink offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Account insightsbanking.ais.insights

    Data derived from linked accounts: income and employment, assets, cash flow, categorisation and underwriting reports.

  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

  • Scheduled paymentsbanking.pis.scheduled

    A payment the payer approves now for a later date, or a standing order.

  • Sweeping VRPbanking.pis.vrp-sweeping

    UK variable recurring payments between accounts the same person holds (sweeping), under one long-lived mandate.

  • Bulk paymentsbanking.pis.bulk

    Many payments approved together in one bank authorisation.

  • Payoutsbanking.payouts

    Sending money from a balance the provider or the platform holds to a recipient's account.

    • listedATBEDEEEESFIFRIEITLTLVNLPTGB

      From a Tink settlement account, which holds the money in transit; euro payouts include a VoP check.

      Source, checked 2026-10-08 ↗
  • Virtual accountsbanking.pay-ins.virtual-accounts

    Collection accounts with their own local details (virtual IBANs, sort codes, routing numbers) that receive money for the platform or its users.

Verification

  • Account ownershipverification.ownership

    Proving the user holds an account by linking it at their bank; the bank returns the holder's name where it reports one.

Risk

  • Return riskrisk.payment-return

    Scoring how likely a bank debit is to be returned, for example for insufficient funds.

Reaches many banks through open banking: links accounts and starts payments that go straight from the payer’s bank to the payee’s.

Coverage

Countries

  • AT Austria
  • BE Belgium
  • CZ Czechia
  • DE Germany
  • DK Denmark
  • EE Estonia
  • ES Spain
  • FI Finland
  • FR France
  • GB United Kingdom
  • IE Ireland
  • IT Italy
  • LT Lithuania
  • LV Latvia
  • NL Netherlands
  • NO Norway
  • PL Poland
  • PT Portugal
  • SE Sweden

Account schemes

  • payto://iban
    IBAN
  • payto://scan
    UK sort code and account number

Custody

Who holds the money while a payment through Tink is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

  • provider-transitProvider holds in transit

    The provider holds the money between collecting it from the payer and paying it out to the payee. Routes like this only appear in quotes when your routing policy admits provider-transit custody.

An environment whose policy admits only none still sees these routes in quotes, marked infeasible with this reason.

Who is regulated

Tink (a Visa company) under its own licence.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Tink with your credentials.

Onboarding

Sandbox
Self-serve sandbox
Production
Contract with the provider

Credentials

Tink has no adapter yet, so there is no folder layout to create. It will appear here when the provider is integrated.

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