Is Aiia or Tink better?

Neither clearly leads. Aiia starts at On request and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Aiia or Tink?

Aiia starts at On request and Tink at On request.

Does Aiia or Tink run on more platforms?

Aiia runs on Web, API. Tink runs on API, Web.

What is Aiia best used for?

Aiia is most often used for a lending or credit product needing affordability checks via european bank account data, a personal finance or accounting product needing transaction history across nordic and european banks, a payments product wanting account-to-account payment initiation under open banking regulation, a business wanting the stability and continued investment of mastercard ownership behind its banking connectivity provider. Of those, a lending or credit product needing affordability checks via european bank account data and a personal finance or accounting product needing transaction history across nordic and european banks are not what Tink is typically brought in for.

What can Aiia do that Tink cannot?

Aiia covers Bank account data access, Mastercard Open Finance integration, Modern authentication support, Multi-country coverage. Tink covers Account data access, EEA passporting, Categorisation, Account verification. Both handle Payment initiation.

APIs · head to head

Aiia vs Tink

Aiia

APIs

Open banking and open finance API platform, now operating as Mastercard Open Banking

From: On request
Rated: -

Full review Website

Tink

APIs

European open banking platform for account data and payment initiation

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Aiia it is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
They diverge on capability: Aiia covers Bank account data access, Tink covers Account data access.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Tink actually diverge.

Attributes where Aiia and Tink differ
Attribute	Aiia	Tink
Platforms	Web, API	API, Web

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Aiia

Bank account data access
Mastercard Open Finance integration
Modern authentication support
Multi-country coverage
Developer documentation and sandbox

Only in Tink

Account data access
EEA passporting
Categorisation
Account verification
Risk and affordability signals
Variable recurring payments support
Consent management

Both cover

Payment initiation

What people use each for

The jobs each tool is most often brought in to do.

Aiia

A lending or credit product needing affordability checks via European bank account datanot Tink
A personal finance or accounting product needing transaction history across Nordic and European banksnot Tink
A payments product wanting account-to-account payment initiation under open banking regulationnot Tink
A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot Tink

Tink

A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Aiia
A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Aiia
A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Aiia
A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Aiia

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Aiia

It is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.
Pricing is not published and requires engaging Mastercard's open finance sales process, which can be a heavier sales motion than dealing with a smaller independent open banking provider.
Its strongest bank coverage remains concentrated in the Nordics and Northern Europe, so companies needing dense coverage in Southern or Eastern Europe should verify current bank connectivity before committing.
Brand confusion is real: developer documentation, login portals and older case studies still reference "Aiia" while newer Mastercard material refers to "Mastercard Open Banking," and a company researching either name in isolation may miss half the relevant material.
As with any open banking platform, reliability still depends on the consistency of the underlying banks' own APIs, which is a systemic industry issue rather than something Aiia specifically controls.

Tink

Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

Pricing, plan by plan

Aiia

On request

Aiia Enterprise (Mastercard Open Banking)$undefined/year
- Pricing not published, quote via Mastercard Open Finance sales

Tink

On request

Tink Platform$undefined/year
- Priced by product, market and volume
- Data access and payment initiation priced separately
- Annual commitments typical for enterprise agreements

Which should you pick?

Choose Aiia if

You need bank account data access.
You work on Web, API.
You also want mastercard open finance integration.

Aiia review

Choose Tink if

You need account data access.
You work on API, Web.
You also want eea passporting.

Tink review

Questions people ask

Is Aiia or Tink better?: Neither clearly leads. Aiia starts at On request and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Tink?: Aiia starts at On request and Tink at On request.
Does Aiia or Tink run on more platforms?: Aiia runs on Web, API. Tink runs on API, Web.
What is Aiia best used for?: Aiia is most often used for a lending or credit product needing affordability checks via european bank account data, a personal finance or accounting product needing transaction history across nordic and european banks, a payments product wanting account-to-account payment initiation under open banking regulation, a business wanting the stability and continued investment of mastercard ownership behind its banking connectivity provider. Of those, a lending or credit product needing affordability checks via european bank account data and a personal finance or accounting product needing transaction history across nordic and european banks are not what Tink is typically brought in for.
What can Aiia do that Tink cannot?: Aiia covers Bank account data access, Mastercard Open Finance integration, Modern authentication support, Multi-country coverage. Tink covers Account data access, EEA passporting, Categorisation, Account verification. Both handle Payment initiation.

Answered from the vendors’ own pages

Aiia: Is Aiia still an independent company?

No, it was acquired by Mastercard in 2021 and now operates as part of Mastercard Open Finance Solutions, referenced as Aiia Enterprise.

Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Aiia: Does the Aiia brand still exist?

Yes, in developer documentation and login portals, but the company behind it is Mastercard.

Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

Aiia: Which banks does it cover?

Around 3,000 European banks, with strongest coverage in the Nordics and Northern Europe.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

Aiia vs Tink

Aiia

Tink

The short version

Where they differ

What each one covers

Only in Aiia

Only in Tink

Both cover

What people use each for

Aiia

Tink

Where each one falls short

Aiia

Tink

Pricing, plan by plan

Aiia

Tink

Which should you pick?

Choose Aiia if

Choose Tink if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Aiia

More on Tink

Keep looking

Other head to heads