Most people searching for a Tink alternative aren't angry at Tink. The coverage is real, the docs are decent, and the API does what it says. The search usually happens for a simpler reason: Tink was bought by Visa in 2022, and the product has drifted upmarket ever since.
I've spent the past two years wiring European bank data into small apps, almost always through an aggregator. Here's my honest take on when it makes sense to move off Tink, and what you actually get when you do.
A note on method: everything below comes from pointing the same small app — list accounts, pull transactions nightly, render a balance — at several of these providers during 2026. I judge them on four things: whether the sandbox works without a signed contract, whether they cover the banks my users actually have, whether pricing survives having fewer than a few thousand users, and how much the consent flow hurts on a phone.
Why developers start looking
Tink's positioning today is an enterprise platform: risk scoring, payment initiation, and account verification sold as bundles to banks and large fintechs. If that's you, none of this is a problem.
If you're a two-person team that just wants to list transactions, the friction shows up early:
- Pricing isn't public, so budgeting starts with a sales call rather than a docs page.
- The platform is bundled — you're sold payments and risk products alongside the transactions API you actually asked for.
- Going from sandbox to production involves commercial review, which is where side projects go to die.
None of this makes Tink bad. It makes Tink a poor fit for anything smaller than a funded company that needs read-only account data this month, not next quarter.
There's also a quieter reason teams move: roadmap risk. When a platform's priorities are set inside a card network, features get built for the network's enterprise needs. Transactions-as-a-commodity for small apps is not that, and it shows in what ships and what gets deprecated.
The alternatives, honestly
GoCardless Bank Account Data (formerly Nordigen). Published pricing, a genuine free sandbox, and solid EU coverage. The catch is availability: signups have been gated in waves since the Nordigen brand was retired, so confirm you can actually get in before you build on it. If you can, it's the default budget choice for EU bank data.
TrueLayer. The strongest UK coverage of the independents and the best payment initiation story. It's also the most enterprise-leaning of the bunch — expect a real sales process before production keys. I wrote a longer piece on choosing an open banking API beyond TrueLayer that goes deeper on when the paperwork is worth it.
Yapily. API-first with no dashboard hand-holding, per-call pricing you can at least see, and wide coverage. Good fit if you're comfortable doing more of the integration yourself and don't want to be sold a platform.
Plaid (in Europe). It works, but you're using their home-market product transplanted across the Atlantic. European bank coverage lags the locals, and per-item pricing in dollars gets odd when your users are all in euros.
The self-hosted route. For small tools this is where I've landed. I maintain open-banking.io, a self-hosted PSD2 aggregator where you hold your own private key so the operator can't read your bank data, and a hobby-scale setup runs around €3/month. The trade is breadth for control: coverage is EU/UK, not global, and you're the one holding the keys in every sense.
Switching costs less than you expect
Every provider above normalizes banks into something close to the Berlin Group shapes, so your core integration is one small family of endpoints: consent, accounts, transactions. Here's the entire read path against most of them:
import requests
r = requests.get(
f"https://api.aggregator.example/v1/accounts/{account_id}/transactions",
headers={"Authorization": f"Bearer {access_token}"},
params={"date_from": "2026-06-01", "date_to": "2026-08-28"},
timeout=10,
)
for tx in r.json()["transactions"]["booked"]:
amount = tx["transactionAmount"]["amount"]
note = tx.get("remittanceInformationUnstructured", "")[:60]
print(tx["bookingDate"], amount, note)
Swap the base URL and the auth header, and that snippet runs against any aggregator in this list. I've ported this exact loop between three providers; the GET was never the hard part.
The hard part is everything around it: paginating a first sync of several thousand transactions, deduplicating overlaps between windows, and surviving the 90-day consent re-authorization cycle that PSD2 imposes. That pipeline is identical regardless of vendor, and I wrote a full sync guide with the failure modes if you're heading there.
How to actually choose
Rank your banks before you rank your providers. Coverage is the one thing you can't engineer around: if the three banks most of your users sit at aren't well supported, nothing else about a provider matters. Every aggregator here publishes a bank directory — spend ten minutes in it before anything else, because coverage claims in marketing pages and coverage in the directory rarely match perfectly.
Then match the pricing model to your app's shape. Per-connection pricing hurts when your users reconnect often or churn through sandboxes; per-call pricing hurts when you poll nightly for a handful of transactions; minimum commitments hurt everyone under a few thousand users. The cheapest provider for a personal finance tool is rarely the cheapest for a B2B dashboard, and vice versa.
When Tink is still the right answer
If you need payment initiation at volume across many markets, or you want risk and verification products from a single vendor that a bank regulator will recognize, Tink's enterprise direction is a feature, not a bug. A funded fintech should still shortlist it. So should anyone who needs the reassurance of a Visa-owned counterparty in their procurement chain.
For everyone else — the side project, the personal finance tool, the small business dashboard — the instinct that brought you to this search is correct. Just do one thing before you commit: test a real connection to the specific banks your users actually have. Coverage charts look identical on paper across every provider here, and the differences only show up the first time you hit a real bank redirect flow with real credentials.
Disclosure: I maintain open-banking.io, one of the options discussed above. Weigh my bias accordingly.
