GoCardless vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 46 countries of bank coverage), and they overlap on 44 shared markets. GoCardless is headquartered in GB, while Tink is based in SE.
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GoCardless vs Tink at a glance
| GoCardless | Tink | |
|---|---|---|
| Headquarters | GB | SE |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 46 |
| Institutions tracked | 2,228 | 511 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA | Finansinspektionen (Sweden), PSD2 |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Usage-based per product (Transactions, Account Check, PIS); Standard / Enterprise |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View Tink |
GoCardless vs Tink: bank coverage overlap
GoCardless and Tink share 44 markets where both connect to banks. GoCardless additionally reaches 10 markets Tink does not (AE, AL, BD, BS, HK, MC, PH, RS…), while Tink reaches 2 markets GoCardless does not (NZ, TR).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose GoCardless if…
- you need the widest country coverage (54 markets)
- you want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
Choose Tink if…
- you prefer a provider headquartered in Sweden
Frequently asked questions
What is the difference between GoCardless and Tink?
GoCardless vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 46 countries of bank coverage), and they overlap on 44 shared markets. GoCardless is headquartered in GB, while Tink is based in SE.
Which has wider bank coverage, GoCardless or Tink?
GoCardless has wider coverage, reaching 54 countries versus 46 for Tink. They overlap on 44 shared markets.
Can I use both GoCardless and Tink?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both GoCardless and Tink expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.