Plaid vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 46 countries of bank coverage), and they overlap on 42 shared markets. Plaid is headquartered in US, while Tink is based in SE.
Plaid vs Tink at a glance
| Plaid | Tink | |
|---|---|---|
| Headquarters | US | SE |
| Market focus | North America and Europe | Multi-region |
| Countries covered | 59 | 46 |
| Institutions tracked | 9,706 | 511 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA, PSD2 | Finansinspektionen (Sweden), PSD2 |
| Sandbox | ||
| Pricing model | Usage-based: per-connected-account + per-request; Pay-as-you-go / Growth / Custom | Usage-based per product (Transactions, Account Check, PIS); Standard / Enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Plaid | View Tink |
Plaid vs Tink: bank coverage overlap
Plaid and Tink share 42 markets where both connect to banks. Plaid additionally reaches 17 markets Tink does not (AD, AE, AL, AZ, BD, BS, EG, GM…), while Tink reaches 4 markets Plaid does not (EC, GI, 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 Plaid if…
- you need the widest country coverage (59 markets)
- you want the largest number of connected institutions (9,706)
- your focus market is North America and Europe
- you prefer a provider headquartered in the United States
Choose Tink if…
- you prefer a provider headquartered in Sweden
Frequently asked questions
What is the difference between Plaid and Tink?
Plaid vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 46 countries of bank coverage), and they overlap on 42 shared markets. Plaid is headquartered in US, while Tink is based in SE.
Which has wider bank coverage, Plaid or Tink?
Plaid has wider coverage, reaching 59 countries versus 46 for Tink. They overlap on 42 shared markets.
Can I use both Plaid 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 Plaid and Tink expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.