Tink Account Check

Visa-owned open-banking check of account holder data in 19 European markets

Overview

Tink is a Stockholm-based open-banking provider founded in 2012 that became part of Visa in 2022; it has more than 600 employees serving 19 European markets from 13 offices[27]. Account Check lets a business confirm the owner of a bank account by fetching real-time data from banks, from account number, IBAN or routing number to account holder name, after the customer authenticates through Tink Link[26].

Tink states connections to more than 3,000 banks across Europe and reports conversion uplift of more than 20% seen by customers after integrating[26]. Uses include Direct Debit and payout onboarding, loan applications and checking payment details before payment[26]. Console and sandbox tools with simulated data support integration[26]. The pricing page offers Standard and Enterprise tiers, under Tink’s licence or the customer’s own, for current, savings and credit-card accounts of private individuals[28].

Account Check depends on the account holder logging in to their bank, so it suits consumer onboarding rather than checking a supplier’s details. Prices are custom.

Tink Account Check features

  • Account holder name from bank data
  • Input by account number, IBAN or routing number
  • 3,000+ bank connections in Europe
  • Tink Link authentication flow
  • Sandbox with demo bank users
  • Standard and Enterprise tiers

Tink Account Check pricing

Custom pricing on Standard and Enterprise tiers; contact sales.

Tink Account Check strengths and limitations

Strengths

  • Holder data read directly from the bank
  • Wide European bank connectivity
  • Developer sandbox
  • Backed by Visa

Limitations

  • Requires the account holder to authenticate
  • Personal accounts only per the pricing page
  • No published prices
  • No bulk or monitoring features

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